Senior Business Credit Analyst

Coastal Community

Senior Business Credit Analyst supporting the Business Banking team with complex credit submissions and financial analysis. Leading credit applications and lending solution structure for commercial relationships.

Posted 7/11/2026full-timeRemote • 🇨🇦 CanadaSenior💰 CA$72,535 - CA$90,173 per yearWebsite

About the role

Key responsibilities & impact

Support the Business Banking team by preparing complex credit submissions, conducting detailed financial analysis, structuring lending solutions, and assisting with ongoing management of a sophisticated commercial lending portfolio.
Lead the preparation of credit applications for complex commercial lending relationships, including real estate, construction and development financing, syndications, and other specialized credit structures.
Complete in-depth financial analysis, cash flow modelling, feasibility assessments, covenant analysis, stress testing, and sensitivity analysis to support credit recommendations.
Partner with Business Relationship Managers and internal stakeholders to structure lending solutions that align with policy, risk appetite, and member needs.
Evaluate borrower strength, guarantor support, project viability, market conditions, and security positions for complex lending transactions.
Support syndication opportunities through analysis of participation structures, lender requirements, and deal terms.
Manage annual reviews, renewals, amendments, construction monitoring, and ongoing portfolio maintenance activities.
Monitor portfolio performance, covenant compliance, delinquency trends, and emerging risk indicators.
Coordinate documentation, funding requirements, and conditions precedent with internal departments, syndication partners, legal counsel, and other external stakeholders.
Support construction draws, project monitoring, and reporting requirements for real estate development and construction lending relationships.
Prepare portfolio reporting and recommendations to support effective risk management and decision-making.
Mentor Business Credit Analysts through technical guidance, knowledge sharing, and best practice development.

Requirements

What you’ll need

Completion of a college diploma or university degree in a related discipline, or an equivalent combination of education, training, and experience.
Minimum 5 years of progressive experience in commercial lending, credit underwriting, or business banking, including experience with complex commercial real estate lending and construction financing.
Strong expertise in financial analysis, credit adjudication, risk assessment, and structuring complex commercial lending solutions.
Demonstrated knowledge of commercial real estate development financing, syndication structures, legal documentation requirements, and portfolio risk management practices.
Proven ability to analyze complex borrowing relationships and develop sound credit recommendations.
Advanced financial analysis and underwriting capabilities.
Experience supporting commercial real estate development and construction financing relationships.
Strong risk assessment, problem-solving, and decision-making skills.
Knowledge of syndicated lending structures and complex commercial credit arrangements.
Strong communication and relationship-building skills with the ability to collaborate effectively across multiple internal and external stakeholders.

Benefits

Comp & perks

Commitment to work/life balance
Substantial extended benefits package
11.75% employer-paid RRSP contribution
Investments in your education and training
Banking perks

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

Credit ApplicationsCash Flow ModellingFeasibility AssessmentsCovenant AnalysisStress TestingSensitivity AnalysisPortfolio ManagementCredit RecommendationsConstruction FinancingComplex Lending Solutions

Soft Skills

Problem-SolvingDecision-MakingCommunicationRelationship-BuildingCollaboration