Commercial Analyst, Penticton

Job Summary

We are currently seeking a Commercial Analyst to join our team. The Commercial Analyst is a trainee role for future commercial sales/lending roles and incumbents in this role do not have an option to remain in this role long term. An incumbent will spend approximately two (2) years in this role and once required skill and experience level is achieved will move into an available commercial sales/lending role. Responsibilities include: provides administrative and analytical support to the commercial sales team; performs a variety of tasks that support the underwriting process for new credit applications; conducts annual reviews on commercial accounts, analyzes financial statements, and completes analysis of industry and market data, as required. The incumbent will deal directly with commercial members once a sufficient level of skill and experience are achieved.Typical Day

Financial Analysis:

Completes analysis of financial statements and identifies any potential issues or concerns. Researches industry reports and analyzes market data related to specific credit applications, as required. Loan Review/Security:

Reviews "offer of credits" and "loan security" generated from the application tool to ensure information is complete and accurate; reviews delinquency reports and connects with TBD and/or credit services to work on resolution. Loans Origination Process:

Completes required paperwork for new credit applications, ensuring all supporting documentation is in place and forwards to commercial expert for review and/or approval; ensures required information from financial statements is entered into loans origination system; completes letter of credit requests in loans origination system; and completes progress draw worksheets for construction loans and monitors loan disbursement requests.Risk Management:

Completes annual reviews on commercial accounts and ensures all terms and conditions are satisfied including visiting business premises when required. Sales and Service:

Reviews files to identify cross‑selling opportunities and forwards to appropriate commercial banking advisors; addresses member/client complaints or concerns to the mutual satisfaction of all parties. Establishes and maintains relationships within the branch network and the business community and follows up on incoming referrals. Promotes the organization’s image within the community through participation in community initiatives and events. Reinforces relationship management and sales culture through support of in‑branch and company‑wide campaigns and recognizing employee referrals.Required Skills, Experience&Qualifications

College, Trade or Tech School Diploma (2 years) in related field required Bachelor’s Degree in related discipline preferred 2 years sales and financial analysis experience or equivalent required Previous knowledge of lending policies, procedures, products, and services preferred Working knowledge of relevant legislation and statutory requirements influencing the granting andcollection of commercial credit preferredProven knowledge and skills in financial statement analysis and credit risk management Proven ability to manage change and identify and act upon continuous improvement opportunities Strong work ethic and demonstrated resourcefulness in execution of daily activities Advanced knowledge in Microsoft Office Applications, specifically MS Excel and WordDisplays an understanding of risk and risk ownership by being able to demonstrate adherence to policies and procedures. Benefits

Mental health coverage and resources Customizable health benefits, as well as topped‑up parental leave Performance‑based compensation, employee banking advantages and group RRSP matching Vacation time and flexible work arrangements to support your lifestyle We also provide and encourage opportunities for our employees to make a meaningful impact. Paid time off to volunteer,partner with local charities, build relationships that help members get ahead, and commit to ESG practices.By joining our team, you’ll be able to elevate your potential. We support you with training programs, LinkedIn Learning access, and reimbursement for external courses. Background check, employment verification, credit check and criminal record check are required for this role. Diversity, Equity, Inclusion&Belonging

At Tru Cooperative Bank, we embrace diversity regardless of gender identity or expression, sexual orientation, religion, race, ethnicity, age, diverse ability, and any aspect that makes someone unique. Inclusion is woven through our organization, from employee‑led network groups, hiring practices and education programs that address barriers and grow our equitable, diverse and inclusive culture.We encourage people from equity‑deserving groups to apply, including women or non-binary people, persons with diverse abilities, Black, Indigenous Peoples, People of Colour and members of 2SLGBTQIA+ communities. If an accommodation would help you during the application process, let us know how we can assist you.Your individuality is welcome here.

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