Commercial Leasing Analyst

Why DUCA?

We’re a vibrant, exciting credit union that lives its "profits with a purpose" philosophy in every financial transaction, product, interest rate, and community initiative we offer. Founded in 1954, DUCA has grown from a single branch credit union in Toronto to 19 branches across Southern Ontario with over 85,000 Members we are proud to serve.

We exist to help People, Businesses and Communities Do More, Be More, and Achieve More™.

DUCA () is distinguished for the following:

• Positive, un-big bank like service experience delivered through Member-facing staff in branch, on the phone (Member-Connect) and via our Mobile mortgage specialists, Wealth Management advisors and Commercial and Business Banking Account Managers.
• Competitive rates.
• Personalized financial solutions, guidance, and service with the lowest possible fees for both Personal and Business Members.
• Profit sharing among Members.
• Multiple ways to bank—online, mobile app, phone/full-service Member Connect Contact Centre, and, of course, in-branch—DUCA is accessible 24/7
• A community philosophy of "profits with a purpose" culminating in the creation of the DUCA Impact Lab (), a charitable foundation committed to helping the credit challenged and underbanked. This led to DUCA's designation as a B-Corp certified organization, the first ever credit union to receive this global recognition.

A career with DUCA means you’ll find endless opportunities to make a difference with your unique abilities and perspectives. Our people live their purpose while helping others Do more, Be more and Achieve more with their money and their lives. At DUCA, you’ll be part of a vibrant and collaborative team where you’ll be supported to excel and make an impact, no matter what role you play.

DUCA is looking for a Commercial Leasing Analystto join our growing team!

The Commercial Leasing Analyst is detail-oriented with a strong analytical mindset who contributes to DUCA’ Commercial Leasing profitability and growth. This role supports the business development team by assisting with new member onboarding and managing a diverse portfolio of Commerical Leasing relationships. This position provides day-to-day support to the Commercial Leasing team in evaluating creditworthiness, structuring complex lease transactions, credit application write-up, portfolio management, and business development activities.

This role works closely with the relationship managers and Credit team to ensure a strong adherence to DUCA’s risk management framework. They are expected to contribute to creating a positive, collaborative environment that aligns with DUCA’s values and purpose of helping Members ‘Do more, Be more, and Achieve more’ with their money and their lives.

• Prepare comprehensive lease credit applications, including financial statement analysis, cash flow modelling, covenant assessment, third party report summaries, and industry research.
• Provide recommendations on structure including mitigation strategies that balance risk and member needs.
• Conduct deep-dive analysis of corporate financial statements, tax returns, cash flow projections to assess the credit risk of potential leases.
• Assist with assessment of new lease applications, design and price lease structures, due diligence, research and credit applications, and make recommendations that adhere to DUCA’s policies and risk guidelines.
• Perform valuation research on various equipment types to set appropriate structures to mitigate collateral risk.
• Utilize financial modeling tools (e.g. T-Value, Spreadsheet, Internal Systems etc.) to calculate various ratios, return and value.
• Liaise with Members, solicitors, appraisers, brokers, and internal partners (credit, operation, internal audit and finance) to support ongoing management of credit facilities.
• Assist in complying with AML requirements prior to funding a lease.
• Monitor the existing lease portfolio for performance, conducting annual reviews and identifying early warning signs of credit deterioration.
• Communicate with Commercial Leasing Members on a day-to-day basis, responding to questions and inquiries…