[Hiring] Senior Business Credit Analyst @Coastal Community

Role Description

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.

As a Senior Business Credit Analyst, you will support the Business Banking team by:

• 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.

Requirements

• 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.
• The ability to manage multiple priorities while maintaining a high degree of accuracy and attention to detail.
• Experience mentoring colleagues and contributing to team development and knowledge sharing.
• A commitment to balancing member service, portfolio growth, and prudent risk management.

Benefits

• Comprehensive total rewards package.
• Work/life balance.
• Substantial extended benefits package.
• Impressive 11.75% employer-paid RRSP contribution.
• Investments in your education and training.
• Banking perks.