TEAM LOCAL is hiring Built on over 75 years as a BC credit union, Prospera Credit Union is a community-based, purpose-driven organization that offers a full range of financial products and services. Prospera is British Columbia?s fourth-largest credit union, with $9 billion in assets and 120,000 members. With 26 branches, Prospera is proud to serve communities from Vancouver, through the Fraser Valley, and to the Okanagan. It?s our vision to help build vibrant healthy communities, thriving local enterprises, and financially empowered people. Do you have an eye for detail and love to provide excellent customer service? Are you process driven and able to look at data from all angles? We are currently seeking a Business Credit Analyst for our Business Banking team for our Real Estate Development business. Working closely with the Relationship Managers, this position helps grow the size and profitability of the commercial lending book while minimizing loan risk and maximizing product penetration. The position also delivers an exceptional member experience by providing timely, accurate, concise, and quality credit analysis and underwriting within sound risk management framework. What you?ll do:

• Working closely with Relationship Managers to identify and gather all required information to prepare applications for credit.
• Complete due diligence and investigation on the information.
• Analyze and interpret financial data and project information.
• Assess value of collateral.
• Prepare credit applications, including annual reviews, and make recommendations for new loans, loan renewals and amendments within credit union guidelines and lending policy and procedures.
• Provide creative and flexible solutions in structuring credit with appropriate supporting commentary.
• Submit recommendations to the appropriate approval level.
• Monitor projects being financed to ensure draw down stipulations and loan conditions are met.
• Review each borrower at least annually, coordinating financial information requirements with BRM?s and Commercial Services Assistant.
• Review reports for the portfolio to identify potential problems and contact member to resolve issues; develop action plan to ensure risk is minimized.

What you bring:

• Strong interpersonal and communication skills with the ability to interact both verbally and in writing with a wide variety of people both internally and externally.
• Excellent organizational and time management skills with the ability to work under pressure and meet deadlines
• Strong ability to anticipate, identify, analyze, and mitigate risks
• In-depth understanding of accounting principles and financial statements, including cash flow analysis
• Knowledge of business lending policies, complex procedures, techniques, documentation requirements
• Basic knowledge of loan realization
• Excellent knowledge and comfort level with various computer software programs, i.e. Microsoft Word and Excel, banking systems, CRM
• 3-5 years previous knowledge and experience in business banking, and/or an equivalent combination of education and experience or;
• 3-5 years? experience in a business banking position with relevant experience in real estate development & project financing.

Our Values Cultivate trusting relationships: We are local at heart, aligned in our purpose to help our members, communities, and team thrive. Empower and enable others: We give each other the space, trust, and tools to succeed. Lead with curiosity: We approach all circumstances with curiosity and a drive for continuous learning and improvement. Embrace change and execute with purpose: We plan with agility, take action, and pivot to deliver results. Thrive as One Team: We collaborate because it strengthens us. What?s in it for you? Inclusive, equitable and accessible workplace: All team members are valued, respected, and heard. We learn from each other?s differences, gaining strength through our people and our perspectives. Training and Support. We set our employees up for success with training and continued support and access to resources throughout employment. Career Advancement! We are committed to our employee?s growth and development and we want to see you soar. Fun & Camaraderie. We care deeply about our members and our employees and we want the hours you spend with us to be fun, rewarding and sometimes lighthearted. We like to work hard, play hard, have fun and be there for each other. Flexibility! This opportunity includes flexible work arrangements. Whether you work from head office, a branch, your home office or a coffee shop, we want your best work no matter where that is! Show me the money! We offer competitive pay, a personalized benefits program, and a generous defined contribution pension plan. Community Focused. We care about giving back to the communities we live, work and play in. We participate in many community minded activities throughout the year. Great Place to Work. We are committed to employee engagement and have achieved the Great Place to Work certification 3 years in a row. #INDHP