Commercial Lending Analyst

Location: Sault Ste. Marie

Posting #: 26-39

Location:

Kitchener or Sault Ste. Marie (hybrid)

Position Type:  Regular Full-Time

Reports to:

Director, Credit & Business Services

The Role
As a Commercial Lending Analyst at YNCU, you’ll play a key role in supporting the growth of local businesses and communities through thoughtful credit analysis and relationship support. Working alongside an experienced Commercial Lending team, you’ll gain exposure to a diverse portfolio of mid‑market commercial clients while contributing to underwriting, portfolio management, and business development activities. This role is ideal for someone who enjoys digging into financials, assessing risk, building trusted relationships, and being part of a collaborative team that values both strong business judgment and community impact.

Duties & Responsibilities

Assist with assessment of financing proposals, due diligence, research and credit applications, and make recommendations that adhere to YNCU’s policies and risk guidelines.

Coordinate with internal and external partners to facilitate the on‑going management of credit facilities.

Conduct credit reviews of existing Members and maintain annual reviews/renewals at or below targeted levels.

Communicate with Commercial Lending clients on a day‑to‑day basis, responding to questions and inquiries regarding products, services and advice.

Research and analyze market segments. Monitor market conditions and trends to assess risk.

Collect and compile information and analyze financial statements to assess credit worthiness.

Provide sound recommendations and justifications for credit proposals in light with detailed financial, business and credit analysis.

Collaborate closely with Commercial Relationship Managers and leadership to support portfolio growth and identify opportunities to deepen member relationships.

Be aware of enterprise risk management issues as they relate to Lending Services and bring forward strategic and risk issues for discussion, review and solutions to the Director, Commercial Lending.

What We Are Looking For

2+ years of previous commercial lending experience.

Post‑secondary diploma, degree and/or certification in Business Administration, Economics, Finance, Commerce, Accounting or a related program, or an equivalent combination of education and experience.

Experience supporting mid‑market or commercial real estate lending is an asset.

Previous experience with commercial credit underwriting or adjudication.

Knowledge of financial institution lending policies and risk practices.

Ability to understand and analyze financial statements.

Prior sales and service experience within the financial services industry and a general knowledge of available products & services.

Ability to work outside of normal business hours when required.

Must have a valid Ontario driver’s licence and reliable available vehicle.

Must be bondable.

Why You’ll Love This Role

Meaningful exposure to commercial lending and relationship management.

Opportunity to work closely with experienced commercial leaders.

A collaborative team environment where your input is valued.

Career development opportunities within a growing organization.

The ability to make a real impact on local businesses and communities.

Salary Range:  $69,000 - $74,000

Compensation offered to the successful applicant for this role will be determined by the candidate’s relevant skills and experience and internal equity. More information about our total rewards package will be available during the hiring process.

YNCU strives to be a diverse workplace reflective of the communities that we live in. We are committed to a diverse workforce and invite everyone to apply. YNCU makes hiring decisions solely on qualifications, merit, and business needs at the time.

YNCU is an equal opportunity employer that is committed to diversity and inclusion in the workplace. We prohibit discrimination and harassment of any kind based on race, colour, sex, gender, religion, sexual orientation, national origin, disability, pregnancy, or any other protected characteristic as outlined by national, provincial, or municipal laws. This applies to all employment practices within our organization, including hiring, recruiting, promotion, termination, layoff, recall, leave of absence, compensation, benefits, and training.

Your Neighbourhood Credit Union will provide accommodations for persons with disabilities, where needed, to support their participation in our recruitment process. Please contact Human Resources at

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