indeed
Senior Business Credit Analyst
coastal community
Nanaimo, CAN
Full Time
Senior
1 weeks ago
Credit UnderwritingFinancial AnalysisCommercial Real Estate LendingConstruction FinancingPortfolio ManagementRisk Assessment
Free
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Credit UnderwritingFinancial AnalysisCommercial Real Estate Lending
About the Role
Coastal Community seeks a Senior Business Credit Analyst to provide senior-level underwriting and portfolio management for complex commercial lending, including real estate and construction financing.
Key Skills for This Role
Credit UnderwritingFinancial AnalysisCommercial Real Estate LendingConstruction FinancingPortfolio ManagementRisk Assessment
Responsibilities
- Lead preparation of credit applications for complex commercial lending relationships including real estate, construction, syndications
- Complete in depth financial analysis, cash flow modelling, feasibility assessments, covenant analysis, stress testing, and sensitivity analysis
- Partner with Business Relationship Managers to structure lending solutions aligned with policy and risk appetite
- Evaluate borrower strength, guarantor support, project viability, market conditions, and security positions
- Support syndication opportunities through analysis of participation structures and deal terms
- Manage annual reviews, renewals, amendments, construction monitoring, and portfolio maintenance
- Monitor portfolio performance, covenant compliance, delinquency trends, and emerging risk indicators
- Coordinate documentation, funding requirements, and conditions precedent with internal and external stakeholders
- Support construction draws, project monitoring, and reporting for real estate development and construction lending
- Prepare portfolio reporting and recommendations for risk management and decision making
- Mentor Business Credit Analysts through technical guidance and knowledge sharing
Requirements
- College diploma or university degree in a related discipline or equivalent combination
- Minimum 5 years of progressive experience in commercial lending, credit underwriting, or business banking
- 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
- Knowledge of commercial real estate development financing, syndication structures, legal documentation, and portfolio risk management
- Proven ability to analyze complex borrowing relationships and develop sound credit recommendations
- Strong communication and relationship building skills
Full Job Posting
Role Overview
- We are looking for a Senior Business Credit Analyst to provide senior level underwriting, portfolio management, and analytical support for complex commercial lending relationships, with a focus on commercial real estate, construction financing, syndications, and other specialized credit structures.
Primary Responsibilities
- Leading the preparation of credit applications for complex commercial lending relationships, including real estate, construction and development financing, syndications, and other specialized credit structures.
- Completing in depth financial analysis, cash flow modelling, feasibility assessments, covenant analysis, stress testing, and sensitivity analysis to support credit recommendations.
- Partnering with Business Relationship Managers and internal stakeholders to structure lending solutions that align with policy, risk appetite, and member needs.
- Evaluating borrower strength, guarantor support, project viability, market conditions, and security positions for complex lending transactions.
- Supporting syndication opportunities through analysis of participation structures, lender requirements, and deal terms.
- Managing annual reviews, renewals, amendments, construction monitoring, and ongoing portfolio maintenance activities.
- Monitoring portfolio performance, covenant compliance, delinquency trends, and emerging risk indicators.
- Coordinating documentation, funding requirements, and conditions precedent with internal departments, syndication partners, legal counsel, and other external stakeholders.
- Supporting construction draws, project monitoring, and reporting requirements for real estate development and construction lending relationships.
- Preparing portfolio reporting and recommendations to support effective risk management and decision making.
- Mentoring Business Credit Analysts through technical guidance, knowledge sharing, and best practice development.
Qualifications
- 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.
- Strong communication and relationship building skills with the ability to collaborate effectively across multiple internal and external stakeholders.
Total Rewards
- Career Band Range (Annual Salary) – CAD 72,535.00 CAD 90,173.00
- Comprehensive total rewards package including work/life balance, extended benefits, 11.75% employer paid RRSP contribution, education and training investments, and banking perks.
About Coastal Community
- Since 1946, Coastal Community has grown to become the largest financial services provider based on Vancouver Island.
- 100% member owned with all decisions made locally.
- Over CAD 4 billion in assets under management, serving over 100,000 members and clients through 24 branches, 16 insurance offices, 4 business centres, and digital services.
- Committed to diversity, equality, inclusion, and community contributions of over half a million annually.
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