Access Credit Union
Finance
CreditAnalyst
Neural analysis suggests this role is
optimal for Mid+ candidates.
“Credit Analyst at Access Credit Union. Skills: Credit analysis, Financial analysis, Risk assessment. Conduct comprehensive analysis of credit requests. Identify strengths, weaknesses, and risks”
What You'll Achieve.
Ensure credit quality is maintained; Achieve organizational and department objectives
Industry & Context.
Superb analytical and problem-solving skills; Ability to analyze, identify and mitigate risks
What They're Looking For.
Must Have
Post-secondary education in business, economics or agriculture or equivalent combination of education and work experience, One year experience in a business banking role preferred, Developing ability to identify risks, issues, concerns within a file, Developing ability to provide/position appropriate risk mitigation recommendations within the file, Demonstrated desire to serve others in a friendly and professional manner, Ability to identify and willingness to assist with sales and service opportunities, interpersonal and communication skills, both verbal and written, Superb analytical and problem-solving skills, ability to analyze, identify and mitigate risks in complex credit requests, Ability to build trust and credibility with team members throughout the organization, Ability to work in a fast-paced team environment and perform well under pressure, Ability to prioritize using sound judgment to make timely and effective decisions, Superb attention to detail with exceptional degree of accuracy, Knowledge of Access Credit Union’s products and services, Demonstrated ability to adhere to policies and procedures, knowledge of risk management within the financial industry, Advanced computer skills
Nice to Have
One year experience in a business banking role
What You'll Do.
Conduct comprehensive analysis of credit requests
Recommend risk mitigation strategies
Analyze business and agricultural credit requests
Assess creditworthiness of members
Analyze collateral valuation
Analyze financial statements
Analyze cost estimates
Analyze environmental factors
Analyze industry factors
Provide recommendations for credit structure
Provide recommendations for security
Provide recommendations for risk mitigation
Prepare supporting documents
Ensure appropriate Security Documentation
Audit existing member documentation
Review files and identify deficiencies
Keep current with business issues
Track and report goals
Adhere to legislative and policy guidelines
Participate in meetings
Participate in planning
Participate in training initiatives
Maintain open communication
Maintain thorough knowledge of policies
How You'll Work.
Team & Collaboration
Work alongside Business Account Managers; Work with other team members; Cooperation with other staff
Communication Scope
Interpersonal and communication skills, both verbal and written
Full Job Description
# **Grow your career with one of Manitoba 's Top Employers since 2014.** At Access Credit Union, we support a professional and innovative work environment with a corporate culture that uniquely embraces empowerment, accountability, and trust. We recognize and value each employee's contributions to our success, which is why we offer competitive compensation, 100% company paid health benefits, employer-matched pension plan, continuing education, and career advancement opportunities within our credit union. **At Access Credit Union, our values are straightforward:** * Do good * Be better * Own it * Move forward The Credit Analyst I is responsible for conducting comprehensive analysis of incoming credit requests from our commercial and agricultural members. Leveraging strong investigative and financial analysis abilities, the Credit Analyst identifies strengths, weaknesses and risks of the request; recommending appropriate risk mitigation strategies within the Business Credit Application. The Credit Analyst I conducts analysis with direct support from the Manager of Business Lending Operations as well as from more experienced Credit Analysts within the department. Leveraging strong investigative and financial analysis abilities, the Credit Analyst identifies strengths, weaknesses, and risks of the request, recommending appropriate risk mitigation strategies within the Business Credit Application. **Key Responsibilities and Accountabilities** * Work alongside Business Account Managers, conducting thorough credit, risk, financial, security, and industry analysis of business and agricultural credit requests to ensure credit quality is maintained with positive and negative trends identified. * Regularly completes files submitted by the Business Account Manager I/II team, with requested amounts ranging from $0-$2.5 million, with Manager support. * Assess creditworthiness of business and agricultural members. Evaluate the credit risk of a member through analysis of existing a
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