Senior Analyst, Commercial Services; Commercial Real Estate Construction Lending

Benefits

• Top-tier health and wellness benefits, including comprehensive benefits packages, a yearly health spending account and personal spending account
• Enhanced mental health benefits through Sun Life and TELUS Health
• Up to $1000 per year towards professional development
• Pension Plan
• Flex-work environment
• Company-wide Employee Volunteer program (Blue Wave Program)
• Employee and Family Assistance Program

• Competitive compensation packages
• Top-tier health and wellness benefits, including comprehensive benefits packages, a yearly health spending account and personal spending account
• Enhanced mental health benefits through Sun Life and TELUS Health
• Exclusive banking benefits
• Up to $1000 per year towards professional development
• Pension Plan
• Flex-work environment
• Company-wide Employee Volunteer program (Blue Wave Program)
• Employee and Family Assistance Program

The Senior Business Analyst, Commercial Services is responsible for supporting the Commercial Services goals by achieving targets and objectives while providing solid advice on products, and services to Commercial Members. As a key member of team, they support the risk and portfolio management.

The Senior Business Analyst, in addition to the responsibilities of a Business Analyst, will work on complex credit underwriting, have portfolio management responsibilities and be introduced to Account Manager behaviours to build their career skills.

• In addition to the duties outlined below, a Senior Business Analyst will also be responsible to:
• Provide support and due diligence analysis for larger, more complex credit requests
• Independently research, analyze and prepare credit applications for their manager(s) as directed
• Independently manage a small portfolio of commercial borrowers including member contact
• Interact directly with members for purposes of gathering information and responding to member enquiries
• Prepare more complex reports as requested by their manager(s)
• Assist with training less experienced Business Analysts
• Participate in community events and networking events to represent First Ontario
• Efficiently support the Account Manager, Commercial Services or Credit Solutions in the preparing and presenting high-quality proposals by analyzing and conducting proper due diligence for medium to high complexity loan proposals
• Develop appropriate terms, pricing, conditions and covenants while ensuring thorough credit analysis, due diligence and sound account management practices
• Prepare loan packages and, when necessary, negotiate with internal partners on structuring the deal to ensure compliance with policies and procedures
• Prepare reports and assist with compliance related tasks
• Prepare credit analysis/memos including modelling of portfolio performance as well as financial modelling across a variety of asset classes
• As directed, gather items required for the administration of commercial files
• Be actively involved in adjudicating and reviewing of Commercial lending, risk, and reward
• Work with your manager to meet annual review and risk management standards for the Commercial Portfolio including structuring transactions
• Diligently complete detailed commercial reviews through the breakdown and analysis of financial statements and recommendations to mitigate any new or changing risks
• Concentrate on department goals and objectives, and portray a strong positive image to our members and the community
• Over deliver on set targets and planned initiatives in the region by identifying new opportunities within the loan management and origination process
• Consider health & safety as a primary concern to ensure the overall well-being of your team and members
• Perform other duties we may need you to do

• Have a sound business acumen which you built from the ground up with a post-secondary diploma or degree in business or related field or an equivalent combination of education and experience
• Senior Business Analyst:
  Have 2- 4 years of Commercial lending experience and/or commercial credit adjudication experience
• Utilize your understanding and/or experience in Real Estate Development and Construction
• Be well versed in the identification of risk and…