Credit Risk Analyst
Role Overview
Supports loan monitoring and credit risk management for the commercial banking portfolio.
Works with commercial banking staff, RCO, and CLA.
Key Skills for This Role
Full Job Posting
Role overview
Supports loan monitoring and credit risk management for the commercial banking portfolio.
Works with commercial banking staff, RCO, and CLA.
Credit and loan administration
- Support annual reviews for commercial accounts over $500,000 and complete reviews for accounts under $500,000.
- Track review conditions, outstanding items, staff input, and the corporate expiry-ratio target.
- Prepare credit application and amendment paperwork, assemble supporting documents, and route applications for approval.
- Enter financial statement information into the loan origination system and save required searches.
- Analyze financial statements and research industry reports and market data as needed.
Quality, security, and reporting
- Verify loan and security documentation, maintain appropriate records, and follow record-retention policy.
- Conduct quarterly commercial credit quality assurance reviews, report findings, and follow up on corrective actions.
- Gather member information, perform security valuations, update lending values, and report margining results.
- Keep reports and information tracked and stored centrally for stakeholders.
Required qualifications
- A diploma in a related discipline is required; a bachelor's degree is preferred.
- Four years of related experience in portfolio management, loan administration, financial analysis, and customer service are required.
- Advanced Microsoft Office knowledge, especially Excel and Word, is required.
- Typing at a minimum of 40 words per minute is essential.
- Strong communication, organization, time management, accuracy, and workload-prioritization skills are required.
Preferred experience
- Financial statement analysis, foundational lending, credit risk management, and commercial lending policy knowledge are preferred.
- Working knowledge of legislation and statutory requirements affecting commercial credit is preferred.
Benefits and development
- Offers health coverage, parental leave top-up, performance-based compensation, employee banking advantages, group RRSP matching, vacation, and flexible work arrangements.
- Provides volunteer time, training programs, LinkedIn Learning, and reimbursement for external courses.
About Tru Cooperative Bank
A financial cooperative serving members through brands and branches across British Columbia.
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