Credit Analyst III
Access Credit Union
full-time
Posted on:
Location Type: Hybrid
Location: Winkler • 🇨🇦 Canada
Visit company websiteSalary
💰 CA$75,715 per year
Job Level
Junior
About the role
- Conduct comprehensive analysis of incoming credit requests from commercial and agricultural members
- Work alongside Business Account Managers, conducting thorough credit, risk, financial, security, and industry analysis of credit requests
- Assess creditworthiness of business and agricultural members
- Evaluate the credit risk of a member through analysis of existing account performance, debt repaying history, business income earnings, etc.
- Conduct thorough analysis of collateral valuation, financial statements, projections, cost estimates, etc.
- Present analysis, findings, and recommendations clearly within the Business Credit Application
- Provide recommendations for credit structure, security, and risk mitigation
- Prepare supporting documents such as charts, reports, spreadsheets and models
- Ensure appropriate Security Documentation and instructions are clearly laid out
- Audit existing member documentation
- Review files and identify deficiencies and report as appropriate
- Work with account managers to ensure standardization of documents
- Keep current with business issues that affect market trends
Requirements
- Post-secondary education in business, economics or agriculture or equivalent combination of education and work experience
- One year experience in a business banking role preferred
- Demonstrated desire to serve others in a friendly and professional manner
- Ability to identify and willingness to assist with sales and service opportunities
- Strong interpersonal and communication skills, both verbal and written
- Superb analytical and problem-solving skills, ability to analyze, identify and mitigate risks in complex credit requests
- Ability to build trust and credibility with team members throughout the organization
- Ability to work in a fast-paced team environment and perform well under pressure
- Ability to prioritize using sound judgment to make timely and effective decisions
- Superb attention to detail with exceptional degree of accuracy
- Advanced computer skills
Benefits
- 100% company paid health benefits
- Employer-matched pension plan
- Continuing education
- Career advancement opportunities
Applicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard skills
credit analysisrisk analysisfinancial analysiscollateral valuationfinancial statementsdebt repayment analysisbusiness income analysiscredit structure recommendationsrisk mitigationdata analysis
Soft skills
interpersonal skillscommunication skillsanalytical skillsproblem-solving skillsteamworkattention to detailtime managementdecision-makingcustomer servicetrust building