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 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 High quality personalized advice with flexible solutions. Known: Meaningful impact and connected to community. Bonus: Eligible for a discretionary annual bonus based on individual and organizational performance. Work-life balance and versatile work arrangements Generous vacation and benefit packages Opportunities for training and advancement Job Title: Commercial Analyst (1 year Contract)

Location:
Hybrid option available
- weekly in office expectation at one of our administration locations (Strathroy or Sarnia). Agricultural lending experience is considered a strong asset.



Preference will be given to candidates with experience in farm lending, including agricultural construction and farm credit analysis. 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, reporting deficiencies, deteriorating performance and other early-warning indicators. Assist in identifying accounts requiring enhanced monitoring, updated risk ratings, or Watchlist consideration. Maintain accurate financial information, borrower data, covenant tracking and annual review records within internal systems. Support risk mitigation plans in collaboration with Experience Team and senior credit staff. Escalate material deterioration, covenant breaches, delinquency, risk-rating concerns and other adverse developments on a timely basis. Recommend changes to borrower risk ratings based on financial performance, account conduct and identified risk factors. Risk Management Support Apply sound underwriting principles and credit judgement to support consistent commercial credit decision making. Identify and elevate policy exceptions, structural weaknesses, emerging risks and information gaps within credit submissions. Ensure proposed credit structures and recommendations remain within approved policy, delegated authorities and risk appetite. Support the timely identification and escalation of credit concer

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