Commercial Analyst hybrid

Position: Commercial Analyst (full-time contract; hybrid option available)
We are a dynamic and growing credit union with 10 locations across Southwestern Ontario, committed to providing exceptional financial services to our members.
We believe we have the best team in the business due to our leadership philosophy of excellence, and team development. With our full spectrum of investment, credit, and general banking instruments, our team can build the solution that is best for our customers; and since our customers are also our shareholders, this will always be our business objective!
Mainstreet Credit Union is actively seeking an experienced Commercial Analyst to join our growing team!
About Us  We are a dynamic and growing credit union with 10 locations across Southwestern Ontario, committed to providing exceptional financial services to our members.
We believe we have the best team in the business due to our leadership philosophy of excellence, and team development. With our full spectrum of investment, credit, and general banking instruments, our team can build the solution that is best for our customers; and since our customers are also our shareholders, this will always be our business objective!
Mainstreet Credit Union is actively seeking an experienced Commercial Analyst to join our growing team!
Why Join Our Team?  At Mainstreet we believe in investing in you – whether it is our employees or our incredible members. At Mainstreet we are committed to providing exceptional service, advice and improving and making a difference in the lives of our members.
Our Values   Personalized:  High quality personalized advice with flexible solutions.
Supported:  Highly responsive through empowered professionals.
Known:  Meaningful impact and connected to community.
Easy:  Easy and in the way our members prefer.
Compensation and Benefits   Salary Range:  $70,073.00 - $87,591.00 (commensurate with experience)
Bonus:  Eligible for a discretionary annual bonus based on individual and organizational performance.
Mainstreet also offers its employees:
Mainstreet is a Living Wage employer
Opportunity to work at a values-based cooperative
Work-life balance and flexible work arrangements
Generous vacation and benefit packages
Opportunities for training and advancement

The Role

Job Title:

Commercial Analyst (1 year Contract)

Location:

Hybrid option available - weekly in office expectation at one of our administration locations (Strathroy or Sarnia).
Preferred

Qualification:

Agricultural lending experience is considered a strong asset. Preference will be given to candidates with experience in farm lending, including agricultural construction and farm credit analysis.
Job Function  The Commercial Analyst supports the growth, quality and risk management of Mainstreet Credit Union’s commercial and agricultural lending portfolio through credit analysis, underwriting, annual reviews, portfolio monitoring and credit-administration activities.
Working closely with Commercial and Business Experience Teams, Commercial Lending Administration and Credit Risk, the role prepares and analyzes credit applications, assesses financial performance and repayment capacity, identifies material credit risks and develops clear credit recommendations that align with Mainstreet’s credit policies, delegated authorities, risk appetite and regulatory requirements.
The Commercial Analyst contributes to portfolio quality by completing timely annual reviews, monitoring assigned credit relationships, escalating emerging concerns and maintaining accurate, complete and audit-ready credit files.
The role reports to the Commercial Lending Manager and receives functional technical direction from the Senior Commercial Analyst on underwriting standards, transaction structure and complex credit matters.
Major Duties and Responsibilities …