Senior Business Credit Analyst

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Coastal Community

WebsiteLinkedInAll Job Openings

501 - 1000 employees

Founded 1946

🏦 Banking

💸 Finance

Banking • Finance • Insurance

Coastal Community is

📋 Description

• 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

• 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

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