Commercial Analyst

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    "ShortDescriptionStr": "We are currently seeking a Commercial Analyst to join our team.\n\nThe 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.",
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    "ExternalDescriptionStr": "<p><span style=\"font-family:Calibri,sans-serif;\"><span style=\"font-size:11pt;\">We are currently seeking a Commercial Analyst to join our team.</span></span></p><p><span style=\"font-family:Calibri,sans-serif;\"><span style=\"font-size:11pt;\">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.&nbsp; 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.</span></span></p><p><span style=\"font-family:Calibri,sans-serif;\"><span style=\"font-size:11pt;\"><strong>Here’s what would be included as a part of your typical day</strong></span></span></p><ol><li><span style=\"font-family:Calibri,sans-serif;\"><span style=\"font-size:11pt;\"><strong>Financial Analysis:</strong> 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.</span></span></li><li><span style=\"font-family:Calibri,sans-serif;\"><span style=\"font-size:11pt;\"><strong>Loan Review/Security:</strong> 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.</span></span></li><li><span style=\"font-family:Calibri,sans-serif;\"><span style=\"font-size:11pt;\"><strong>Loans Origination Process:</strong> 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.</span></span></li><li><span style=\"font-family:Calibri,sans-serif;\"><span style=\"font-size:11pt;\"><strong>Risk Management:</strong> Completes annual reviews on commercial accounts and ensures all terms and conditions are satisfied including visiting business premises when required.</span></span></li><li><span style=\"font-family:Calibri,sans-serif;\"><span style=\"font-size:11pt;\"><strong>Sales and Service: </strong>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 FW sales culture through support of in-branch and company wide campaigns and recognizing employee referrals.</span></span></li></ol><p><span style=\"font-family:Calibri,sans-serif;\"><span style=\"font-size:11pt;\"><strong>Required Skills, Experience &amp; Qualifications</strong></span></span></p><ul><li><span style=\"font-family:Calibri,sans-serif;\"><span style=\"font-size:11pt;\">College, Trade or Tech School Diploma (2 years) in related field required</span></span></li><li><span style=\"font-family:Calibri,sans-serif;\"><span style=\"font-size:11pt;\">Bachelor’s Degree in related discipline preferred</span></span></li><li><span style=\"font-family:Calibri,sans-serif;\"><span style=\"font-size:11pt;\">2 years sales and financial analysis experience or equivalent required</span></span></li><li><span style=\"font-family:Calibri,sans-serif;\"><span style=\"font-size:11pt;\">Previous knowledge of lending policies, procedures, products, and services preferred</span></span></li><li><span style=\"font-family:Calibri,sans-serif;\"><span style=\"font-size:11pt;\">Working knowledge of relevant legislation and statutory requirements influencing the granting and collection of commercial credit preferred</span></span></li><li><span style=\"font-family:Calibri,sans-serif;\"><span style=\"font-size:11pt;\">Proven knowledge and skills in financial statement analysis and credit risk management</span></span></li><li><span style=\"font-family:Calibri,sans-serif;\"><span style=\"font-size:11pt;\">Proven ability to manage change and identify and act upon continuous improvement opportunities</span></span></li><li><span style=\"font-family:Calibri,sans-serif;\"><span style=\"font-size:11pt;\">Strong work ethic and demonstrated resourcefulness in execution of daily activities</span></span></li><li><span style=\"font-family:Calibri,sans-serif;\"><span style=\"font-size:11pt;\">Advanced knowledge in Microsoft Office Applications, specifically MS Excel and Word</span></span></li><li><span style=\"font-family:Calibri,sans-serif;\"><span style=\"font-size:11pt;\">Displays an understanding of risk and risk ownership by being able to demonstrate adherence to policies and procedures.</span></span></li></ul>",
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    "CorporateDescriptionStr": "<div>\n <p style=\"margin-bottom:0cm\"><b>What’s in it for you:</b></p>\n <p style=\"margin-bottom:0cm\">First, we strive to make our team members feel genuinely rewarded. You’ll have:&nbsp;</p>\n <ul>\n  <li>Mental health coverage and resources&nbsp;</li>\n  <li>Customizable health benefits, as well as topped-up parental leave&nbsp;</li>\n  <li>Performance-based compensation, employee banking advantages and group RRSP matching&nbsp;</li>\n  <li>Vacation time and flexible work arrangements to support your lifestyle&nbsp;</li>\n </ul>\n <p>We are committed to providing a fair, equitable, and competitive rewards package that reflects the value an individual brings to our organization. The compensation mentioned in this job posting should serve as a guide. The total cash compensation earned may vary based on a variety of factors including bonuses and/or incentives, an individual’s skills and experience, and may correlate with performance in the role.</p>\n <p style=\"margin-bottom:0cm\">We also provide and encourage opportunities for our employees to make a meaningful impact. After all, as a credit union we’re powered by giving back—in big ways and through small gestures. That's why we offer employees paid time off to volunteer, partner with thousands of local charities, build long-lasting relationships that help our members get ahead and commit to environmental, social and governance (ESG) practices.&nbsp;</p>\n <p style=\"margin-bottom:0cm\">By joining our team, you’ll be able to elevate your potential. Wherever your own purpose leads, we’re here to support you with award-winning in-house training programs, access to LinkedIn Learning, and reimbursement for external courses to help you get ahead.</p>\n <p style=\"margin-bottom:0cm\">Take the next step in your career as part of our team. Apply for this opportunity!&nbsp;</p>\n <p style=\"margin-bottom:0cm\">&nbsp;</p>\n <p style=\"margin-bottom:0cm\">&nbsp;<i>Candidates, please note: if you are being considered for this role, you will be required to complete a background check, such as employment verification, credit check and criminal record check.&nbsp;</i></p>\n <p style=\"margin-bottom:0cm\">&nbsp;</p>\n <p style=\"margin-bottom:0cm\"><b>Diversity, Equity, Inclusion &amp; Belonging</b></p>\n <p style=\"margin-bottom:0cm\">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 our employee-led network groups, hiring practices and education programs that address barriers and continually grow our equitable, diverse and inclusive culture.&nbsp;&nbsp;</p>\n <p style=\"margin-bottom:0cm\">We encourage people who are from equity-deserving groups to apply for a career with us, including women or non-binary people, persons with diverse abilities, Black, Indigenous Peoples, People of Colour and members of 2SLGBTQIA+ communities.</p>\n <p style=\"margin-bottom:0cm\">&nbsp;If an accommodation would help you during the process of applying or interviewing for a career with us, please let us know how we can assist you, whether it’s preparing materials in an alternate format, booking an accessible meeting room or other arrangement.&nbsp;</p>\n <p style=\"margin-bottom:0cm\">Your individuality is welcome here.&nbsp;</p>\n <p style=\"margin-bottom:0cm\"><b>About Us</b>&nbsp;</p>\n <p style=\"margin-bottom:0cm\">We’re a financial cooperative that does things differently. We provide time-tested advice that helps our members feel optimistic about their future, and we offer comprehensive banking solutions that enable people to confidently reach their goals. With the financial strength and extended branch network of a large financial institution, we maintain local connections to our communities and take a unique grassroots approach to service. Our more than 250,000 members and approximately 1,250 employees operate from 45 branches throughout the province of BC, under the Envision Financial, Valley First, Island Savings and Enderby &amp; District Financial brands. Visit firstwestcu.ca for more information on Tru Cooperative Bank.&nbsp;</p>\n <p style=\"margin-bottom:0cm\"><i>Please know we appreciate your interest in us but only candidates selected for an interview will be contacted.</i></p>\n <br>\n</div>",
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