Credit Analyst II

Access Credit Union

Credit Analyst II analyzing credit requests from commercial and agricultural members for Access Credit Union. Working collaboratively with account managers and ensuring credit quality is maintained.

Posted 7/1/2026full-timeWinnipeg • 🇨🇦 CanadaJuniorMid-Level💰 CA$69,929 per yearWebsite

About the role

Key responsibilities & impact

Conducting comprehensive analysis of incoming credit requests from commercial and agricultural members
Identifying strengths, weaknesses and risks of the requests; recommending appropriate risk mitigation strategies within the Business Credit Application
Work alongside Business Account Managers, conducting thorough credit, risk, financial, security, and industry analysis of business and agricultural credit requests to ensure credit quality is maintained
Completing files submitted from the Business Account Manager I/II team
Provides support, on an assigned basis, for files submitted by the Business Account Manager III team
Completes files with requested amounts ranging from $2.5-$5.0 million with minimal support required
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, purchase activities, etc.
Conducting thorough analysis of collateral valuation, financial statements, projections, cost estimates, as well as environmental and industry factors in support of credit requests; including new requests, refinance requests and annual reviews of large loans or lines of credit
Present analysis, findings, and recommendations in a clear, concise, and consistent manner within the Business Credit Application ensuring that all relevant information is included and analyzed

Requirements

What you’ll need

Post-secondary education in business, economics or agriculture or equivalent combination of education and work experience
Minimum two years’ experience as a Credit Analyst
Completion of role specific training plan
Be able to work independently, solve problems and make decisions within the scope of their role
Ability to leverage industry experience and moderately develop credit risk knowledge
Demonstrates a strong ability to identify risks, issues, and concerns within files
Demonstrates a strong ability to provide appropriate risk mitigation, covenant, and loan structuring recommendations within the file with moderate authority.
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
Knowledge of Access Credit Union’s products and services
Demonstrated ability to adhere to policies and procedures
Strong knowledge of risk management within the financial industry
Advanced computer skills

Benefits

Comp & perks

100% company paid health benefits
Employer-matched pension plan
Continuing education
Career advancement opportunities

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

Credit Risk AnalysisCollateral ValuationFinancial ProjectionsLoan StructuringRisk Mitigation StrategiesDebt Repayment AnalysisBusiness Income AnalysisCreditworthiness AssessmentAttention to DetailDecision-Making

Soft Skills

Strong Communication SkillsTeam CollaborationCustomer Service OrientationTrust BuildingAbility to Work Under Pressure