Collaborate with Credit Product Specialists with financial analysis for complex commercial loan portfolios.
Lead in the preparation of financial projections, repayment analyses and/or enterprise value analysis as appropriate.
Assist with the preparation of periodic client reviews (quarterly as required and annually).
Conduct detailed market and collateral analysis.
Generate and review risk ratings, ensuring alignment with credit policies.
Monitor financial trends and make portfolio recommendations based on client, microeconomic, and macroeconomic factors.
Evaluate covenant compliance and loan performance.
Provide expert support in structuring complex credit facilities.
Partner with Credit Products Specialists and Sales in negotiating deal terms with clients.
Assist with the preparation and presentation of credit approval memoranda to senior management.
Assist with credit due diligence and ensure loan documentation accuracy.
Work closely with legal counsel to review and assist with the negotiation of credit agreements.
Act as a mentor to junior analysts, sharing expertise in financial analysis, credit structuring, and risk assessment.
Lead credit training sessions and workshops.
Drive improvements in underwriting processes and portfolio management strategies.
Support regulatory compliance efforts and contribute to credit policy enhancements.
Implement data-driven improvements to credit risk assessment tools.

Undergraduate Degree (4 years or equivalent) in Finance, Accounting, Economics, or a related discipline.
5+ Years in commercial credit analysis, underwriting, or risk management.
Extensive experience with financial statement analysis, credit structuring, and portfolio management.

Senior Credit Analyst – Franchise Finance

Key skills