Credit Analyst Hybrid in Manitoba

Position: Credit Analyst I (Full Time, Permanent) Hybrid in Manitoba
Location: Winkler

Credit Analyst I (Full Time, Permanent) Hybrid in Manitoba page is loaded## Credit Analyst I (Full Time, Permanent) Hybrid in Manitoba remote type:
Hybrid locations:
Corporate Office (Manitoba) time type:
Full time posted on:
Posted Yesterday time left to apply:
End Date:
February 13, 2026 (12 days left to apply) job requisition :
JR100490#
** Grow your career with one of Manitoba's Top Employers since 2014.
** At Access Credit Union, we support a professional and innovative work environment with a corporate culture that uniquely embraces empowerment, accountability, and trust. We recognize and value each employee's contributions to our success, which is why we offer competitive compensation, 100% company paid health benefits, employer-matched pension plan, continuing education, and career advancement opportunities within our credit union.
** At Access Credit Union, our values are straightforward:
*** Do good
* Be better
* Own it
* Move forward

The Credit Analyst I is responsible for conducting comprehensive analysis of incoming credit requests from our commercial and agricultural members. Leveraging strong investigative and financial analysis abilities, the Credit Analyst identifies strengths, weaknesses and risks of the request; recommending appropriate risk mitigation strategies within the Business Credit Application.
The Credit Analyst I conducts analysis with direct support from the Manager of Business Lending Operations as well as from more experienced Credit Analysts within the department. Leveraging strong investigative and financial analysis abilities, the Credit Analyst identifies strengths, weaknesses, and risks of the request, recommending appropriate risk mitigation strategies within the Business Credit Application.
** Key Responsibilities and Accountabilities
*** Work alongside Business Account Managers, conducting thorough credit, risk, financial, security, and industry analysis of business and agricultural credit requests to ensure credit quality is maintained with positive and negative trends identified.
* Regularly completes files submitted by the Business Account Manager I/II team, with requested amounts ranging from $0-$2.5 million, with Manager support.
* Assess creditworthiness of business and agricultural members. Evaluate the credit risk of a member through analysis of existing account performance, debt repaying history, business income earnings, purchase activities, etc.
* Conducting thorough analysis of collateral valuation, financial statements, projections, cost estimates, as well as environmental and industry factors in support of credit requests; including new requests, refinance requests and annual reviews of large loans or lines of credit.
* Present analysis, findings, and recommendations in a clear, concise, and consistent manner within the Business Credit Application ensuring that all relevant information is included and analyzed; and recommendations are supported within established procedures.
* Provide recommendations for credit structure, security, and risk mitigation through use of covenants and conditions, supported within the analysis and assessment of credit risk.
* Prepare supporting documents such as charts, reports, spreadsheets and models to support analysis of new and existing credit applications.
* Ensure appropriate Security Documentation and instructions outlining the conditions of credit facilities, are clearly laid out (loan type, interest rate, security, searches, liens, etc.) to allow efficient loan processing by Business Loan Administration staff.
* Audit existing member documentation in support of current lending facilities to ensure appropriate documentation is held on file.
* Review files and identify deficiencies and report as appropriate.
* Work with account managers to ensure standardization of documents.
* Keep current with business issues that affect market trends, sharing beneficial information with other analysts, lenders, and managers.
* Work directly with the Business Account Managersandloanprocessorsto ensure smooth administration of documentation from the branch.
* Identify member problems, needs and opportunities; referring any opportunity back to the Business Account Manager whenever possible.
* Responsible for tracking and reporting goals and results.
** Essential Qualifications
*** Post-secondary education in business, economics or agriculture or equivalent combination of education and work experience
* One year experience in a business banking role preferred
* Developing ability to identify risks, issues, concerns within a file
* Developing ability to provide/position appropriate risk mitigation recommendations within the file
* Demonstrated desire to serve others in a friendly and professional manner
* Abilitytoidentify and willingness to assist with sales and service opportunities
* Strong interpersonal and communication skills, both verbal and written
* Superb analytical and problem-solving skills, ability to analyze, identify and mitigate risks in complex credit requests
*…