Credit Analyst, Franchise Finance

Job title: Credit Analyst, Franchise Finance

Job description: At , we strive to build value for the people who choose us every day: our people, our clients and our investors. We do this by holding true to the values that guide us. We put people first and build relationships with intention. We seek out and embrace new ideas, knowing that better is always possible. We believe that how we do things is as important as what we do. And we harness the power of inclusion. Our culture is who we are and how we show up – as individuals and as a team – to accomplish our strategy.

Credit Analyst

Flexible Work Arrangements & Everyday Flexibility

CWB Franchise Finance. Trusted partners. Experienced lenders. Financial needs are unique, and so are the financial solutions.

offers creative structured financing that responds directly to the specific needs of each customer. We have earned a reputation for innovative lending solutions coupled with an unparalleled ability to build long-term relationships. As a company, CWB Franchise Finance has the backing of a strong funder and larger, diversified organization, which gives us the opportunity to help more customers, in more ways, and to take our company to another level of service, performance and growth.

The opportunity

Are you a dedicated finance professional who loves crunching numbers? Are you skilled at in-depth analysis of financial documents? Are you a go-to resource for credit knowledge and support? Do enjoy managing risk? Are you an experienced analyst who is excited by a fast-paced and constantly evolving environment? If you want to apply your business know-how and be part of a small, specialized group within dynamic finance team – we want to hear from you.

Day to day

Financial & cashflow analysis. Credit adjudication. Risk management.

Accountable to ensure compliance with various first-line risk management functions, workflows, and policies of CWB Franchise Finance, including requirements for loan management, data integrity, portfolio quality, exposure limits and fulfillment of loan security and approval requirements.

Build close working relationships with sales and operations and risk management teams to analyze, structure, write and process credit applications, review, and recommendations in a timely manner consistent with established business line service agreements.

Ensure risk appetite is within acceptable parameters of our lending practices and guidelines.

Approve credit applications (new and renewal) within a delegated credit limit.

Prepare recommendations for approval, restructuring, or deferral of credit applications.

Prepare credit condition checklists for each approved credit application.

Ensure adherence to CWB Franchise Finance’s credit administration and security policies and procedures.

Assist in the preparation of annual credit reviews on assigned portfolio of loans/leases including an updated security review, financial covenant testing, re-rating of transaction credit risk and updated financial statement and cash flow analysis.

Review amendments seeking approval to modify the original transaction security or other credit conditions.

Identify and actively participate in operational improvements.

Motivation and a growth mind set matter. With a solid foundation, sheer determination, and ability to apply new concepts to existing knowledge, you are guaranteed to stand out.

Skills and competencies that will take you further

Financial savvy. Credit knowledge. Analyst. Collaborator. Trusted partner. Respected negotiator.

We are looking for a finance and/or credit professional with a strong desire to learn and grow. You are drawn to data and possess an analytical mind, finding patterns and underlying stabilities in financial statements and cash flow. Inquisitive by nature, you dig further, investigating all aspects and exploring every possibility before making recommendations. You must be sound in your research & understanding before being confident in your knowledge. You are a concise communicator with the ability to influence and negotiate. You value collaboration and have excellent interpersonal and organizational skills. This role requires a person who can maintain a high level of confidentiality and professionalism. There are countless opportunities to advance and enhance your career in this unique and niche space.

Foundational knowledge and experience to grow from

Bachelors’ Degree in business or related field is required in addition to two years financial services experience within functions of risk or credit management, banking and/or business lending. Experience in credit adjudication supported by well-developed skills in financial statement analysis and knowledge of effective risk mitigation strategies for credit underwriting are needed.

Why work with us?

Winners of Canada’s Most Admired Corporate Culture 2020

& Recognized as one of 50 Best Workplaces in Canada by Great Places to Work

Your voice matters. Help us shape our voice around important social & cultural matters.

The opportunity to make a difference. Build a team. Make an impact. Put your mark on the CWB landscape.

Flexible work arrangements & everyday flexibility. Make work make sense for you. Hybrid work environments.

Physical health and mental fitness are priorities. Generous time away to practice self-care and family-care with 100% company paid benefit & support programs.

Community giving. Drive economic prosperity in your community. Get involved. Volunteer. Fundraise. All with CWB support.

Bring your whole self to work. Inclusion is a journey requiring practice & experience that results in a powerful outcome.

Innovation. Learn. Grow. Enhance. At CWB we play to win. When we fail, we fail forward.

Connection. Join, participate, lead an employee regulated group (ERG). Find a community within the CWB family.

Organization wide coaching services. Strategic career design is something we work hard to deliver for all employees.

Recognition. Peer to peer recognition program. Both “in the moment” and monumental!

Financial rewards. Yup! We pay you too. Base plus performance incentives.

Retirement investment strategy. You can’t work forever, so we have a RRSP contribution & matching program with financial advisors at the ready to help you make the most of your wealth.

Company ownership. The knowledge and opportunity to impact the bottom line and be rewarded for it – every day, with our employee share purchase plan.

Max out your career. We grow when you grow. Apply with CWB today.

As an equitable employer, CWB Financial Group is committed to providing a safe and where a diverse workforce thrives. You are welcomed and encouraged to bring your whole self to work. Dignity, respect and equality are non-negotiables. If you require during any part of the recruitment or selection process, please reach out.

Closing Date:

• Position closes at 12:01am on the close date identified below. 10/18/2023

Click Here to Apply

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