Central 1 cooperatively empowers credit unions and other financial institutions to deliver banking choice to Canadians. Central 1 provides critical services at scale to enable a thriving credit union system. We do this by collaborating with our clients, developing strategies, products and services to support the financial well‑being of their more than 5 million diverse customers in communities across Canada. For more information, visit www.Central1.Com.What we offerWork‑life flexibilityHybrid work environmentVariable annual incentive planGenerous annual vacation allotmentTop‑notch flexible benefits plan including family building and gender affirmationRetirement plan, matched contributions at 6 %Access to a learning platform and educational assistance supportAccess to a virtual wellness platformCareer development opportunitiesWellness Flex Fund to support personal interest and activitiesDay off to volunteer in your community and other paid time off optionsCorporate discountsSubject to employment agreementJob SummaryAs a Credit Officer at Central 1, you will help drive commercial real estate lending success by analyzing client financials, business plans, and market conditions. Complete credit applications and annual reviews that meet our standards while delivering exceptional customer service. Develop strategic business plans for your portfolio and help achieve departmental objectives through strong relationship management.What you’ll be doingCredit Analysis & Due DiligenceAnalyze financial statements and review third‑party reports (building condition assessments, environmental site assessments, project monitoring reports)Review commercial/office leases and Agreements of Purchase & SaleAssess financial risk and business plans to establish borrower creditworthinessLoan Processing & DocumentationPrepare and submit loan applications, renewals, amendments, and credit memos within lending standardsMake appropriate recommendations and report exceptions to procedures or standards when necessaryGather, analyze,



and summarize all documentation required for new or renewal credit applicationsPortfolio ManagementManage annual review process for designated borrower groups, obtaining financial statements and relevant data from borrowers or credit union membersMonitor account performance to ensure adherence to conditions and covenants, taking corrective action when neededManage receipt of monthly borrower reports and submit them to Risk Management as requiredEnsure collection of annual review fees, late reporting fees, and other chargesRelationship ManagementSupport Regional Managers, Directors, and AVP in building relationships with credit unions, financial institutions, and borrowersWork to meet or exceed sales and revenue objectives while improving customer satisfaction ratingsMaintain open dialogue with credit union members to ensure appropriate credit risk standardsLiaise with lending partners regarding loan maturity renewals, including discussions on renewal fees and interest rate spreadsAdvisory ServicesProvide advice to credit unions regarding their members' loan requirementsAttend meetings (phone, virtual, or in‑person) to develop workable credit solutions for new or existing credit relationshipsAssist with special projects and assignments as outlined in annual goals or as neededAdditional RequirementsExtended hours and occasional travel may be required for member meetings, credit reviews, presentations, courses, and conferencesAccuracy is essential in all job responsibilities, including loan analysis, credit applications, and financial documentationWhat you'll haveEducation & ExperienceCollege or university degree in finance, business administration, accounting, economics,



or equivalent experience2+ years in credit granting and portfolio management for small to medium commercial loansStrong understanding of real estate finance (development, construction, mortgage financing) and business financing structuresTechnical SkillsAnalyze credit risks and make sound recommendations based on business judgment, market factors, and relationship considerationsBuild financial models using spreadsheets and other computer toolsApply financial concepts including ratio analysis, accounting principles, and financial statement analysisCommunication & Relationship ManagementExcellent client service with ability to meet and exceed expectationsStrong verbal and written communication skillsProven ability to build relationships with internal staff, credit union members, partners, and external partiesHandle complex client situations diplomatically and professionallyInteract effectively with borrowers, senior lenders, management, and peersProblem‑Solving & OrganizationDevelop creative solutions for specific business situationsResearch, organize, and synthesize information into transparent recommendationsStrong analytical skills with attention to detailNegotiate win‑win outcomes that satisfy all partiesWork StyleCollaborative and cooperative team playerStrong time management and multitasking abilitiesBalance competing demands productivelySalary range$70,000 – $85,000The salary range represents the job rate determined for the successful candidate who is fully competent in the role. The actual salary will vary depending on market conditions and relevant job‑related factors such as knowledge, skills, qualifications, experience, and education/training.Central 1 is an equal opportunity employer and committed to building an inclusive workforce by creating an environment where everyone feels like they belong and has the opportunity to be successful. We welcome all applicants to join our diverse workforce and we will provide an accessible candidate experience including, but not limited to accommodations to interview sites and alternate formats upon request to our Recruitment team.#J-18808-Ljbffr

📌 Credit Officer, Commercial Real Estate Lending-(Hybrid) - C$70,000 - C$85,000 A Year (Toronto)
🏢 Central 1
📍 Toronto