We are a dynamic and growing credit union with 10 locations across Southwestern Ontario, committed to providing exceptional financial services to our members.

We believe we have the best team in the business due to our leadership philosophy of excellence, and team development. With our full spectrum of investment, credit, and general banking instruments, our team can build the solution that is best for our customers; and since our customers are also our shareholders, this will always be our business objective

Mainstreet Credit Union is actively seeking an experienced Commercial Analyst to join our growing team

About Us

We are a dynamic and growing credit union with 10 locations across Southwestern Ontario, committed to providing exceptional financial services to our members.

We believe we have the best team in the business due to our leadership philosophy of excellence, and team development. With our full spectrum of investment, credit, and general banking instruments, our team can build the solution that is best for our customers; and since our customers are also our shareholders, this will always be our business objective

Mainstreet Credit Union is actively seeking an experienced Commercial Analyst to join our growing team

Why Join Our Team?

At Mainstreet we believe in investing in you – whether it is our employees or our incredible members. At Mainstreet we are committed to providing exceptional service, advice and improving and making a difference in the lives of our members.

Our Values

Personalized: High quality personalized advice with flexible solutions.

Supported : Highly responsive through empowered professionals.

Known :



Meaningful impact and connected to community.

Easy: Easy and in the way our members prefer.

Compensation and Benefits

Salary Range: $70,073.00 - $87,591.00 (commensurate with experience)

Bonus: Eligible for a discretionary annual bonus based on individual and organizational performance.

Mainstreet also offers its employees:

- Mainstreet is a Living Wage employer
- Chance to work at a values-based cooperative
- Work-life balance and flexible work arrangements
- Generous vacation and benefit packages
- Opportunities for training and advancement

The Role

Job Title: Commercial Analyst (1 year Contract)

Location: Hybrid option available - weekly in office expectation at one of our administration locations (Strathroy or Sarnia).

Preferred Qualification : Agricultural lending experience is considered a robust asset. Preference will be given to candidates with experience in farm lending, including agricultural construction and farm credit analysis.

Major Duties and Responsibilities

Underwriting and Credit Analysis

- Work collaboratively with Relationship Managers to understand member needs and develop credit recommendations that appropriately balance those needs with repayment capacity, policy requirements and Mainstreet’s risk appetite.




- Prepare and analyze commercial and agricultural credit applications and recommend appropriate transaction structures in alignment with credit policy, delegated authorities and risk appetite.
- Conduct financial statement reviews, cash flow analysis, ratio interpretation, and collateral assessments.
- Analyze financial and personal net worth statements, including debt servicing, working capital, leverage, liquidity, and repayment capacity.
- Evaluate appraisals, environmental reports, insurance requirements and other supporting documentation as required.
- Identify key risks, mitigating factors, and monitoring requirements within credit applications and annual reviews.
- Consult the Senior Commercial Analyst on complex structures, material new-money requests, policy exceptions, higher-risk transactions and matters outside the analyst’s technical expertise.
- Ensure credit recommendations clearly identify repayment sources, key risks, mitigating factors, proposed conditions, covenants, security requirements and ongoing monitoring expectations
- Present assigned credit applications and annual reviews at Credit Committee or other adjudication forums, where required.

Portfolio Monitoring and Annual Reviews

- Complete assigned annual credit reviews within established timelines, ensuring accurate financial analysis, appropriate risk assessment and clear recommendations
- Assess changes in borrower financial condition, repayment capacity, collateral coverage, covenant compliance, and overall account performance.
- Monitor assigned credit relationships for emerging risks, covenant breaches, repor

📌 Commercial Analyst (Strathroy)
🏢 Mainstreet Credit Union Canada
📍 Strathroy