As Business Credit Analyst (BCA), you will provide analytical and administrative and member support to the Business Relationship Managers (B R Ms). Responsibilities include preparing and conducting annual reviews and new credit applications in an accurate and timely manner on business credit relationships within the Commercial Real Estate (CRE) team . It also includes monitoring and control functions for the team's credit portfolio . The position delivers an exceptional member experience by providing timely , accurate , concise, and quality credit applications within sound risk management framework. This position contributes to the Net Promoter Score (Voice of Member) as a contributor of the members' experiences with the Commercial Real Estate team .

What you do:

- Provide support to the BRM's within CRE: as directed by the Director to ensure "annual credit reviews" on their portfolios are completed in a timely manner, and within acceptable expiry thresholds. Following and understanding the required policies, procedures, and processes. This may include working with members and their team, completing due diligence, and any other requirements of good risk management and account oversight. BCA will be required the use and understand the appropriate forms, searches, and other documentation.
- Provide support to the BRM's within CRE: as directed by the Director to ensure "member application for credit" on their portfolios are completed in a timely manner as the credit writer to appropriately analyze and access risk within our risk appetite at Prospera. Following and understanding the required policies, procedures, and processes. This may include working with members, completing due diligence,



and all other requirements of good risk management and account oversight, and will require the use of the appropriate forms, searches, and other documentation, and will include assessment of the business members: business risk, financial risk, and industry risks, and a clear understanding of the key risks and required mitigants to support the application.
- Provide ongoing support to the BRM's within CRE: as directed by the Director to ensure "ongoing monitoring and control" on their portfolios are completed in a timely manner, and within acceptable standards. Following and understanding the required policies, procedures, and processes. This may include working with members and their team, completing due diligence, and any other requirements of good risk management and account oversight including margining or tracking of financial reporting or covenants. BCA will be required the use and understand the appropriate forms, tracking, and other documentation.
- Support an exceptional member experience by providing temporary relationship management as directed by the Director and/or by working as part of the business member relationship team.
- Maintain a professional standard of conduct always while promoting a positive image of Prospera.
- Develop and maintain relationships within the branch network and the local business community.




- Develop and maintain relationships with existing business members and identifies sales and service opportunities making qualified referrals to retail banking and wealth planning specialists.
- Provides support to the Business Relationship Support as directed by Director.
- Provide high level of member experience by engaging in a in a friendly and qualified manner.
- Maintain established procedures with respect to confidentiality, negotiable items, account transactions, equipment and surroundings to meet safety, legal and procedural requirements.
- Participate in educational seminars, training programs and other duties as assigned.
- Stay informed of regulatory, policy and procedural requirements to ensure compliance and keep well informed of market/economic conditions as it relates to assessing and analyzing credit risks.
- Identify and assess risk and report any deterioration in risk, and recommend appropriate actions as directed and guided by BRMs and Director.
- Contribute to their personal development and the team through engagement by effective participation in individual, team, and community events.

What You'll Bring:

Post-Secondary Degree or Diploma in Business Administration or Finance.

Courses in financial analysis desirable.

3-5 yearsprevious knowledge and experience in business banking, and/or an equivalent combination of education and experience.

Knowledge of business lending policies, complex procedures, techniques, documentation requirements;

Knowledge of statutory guidelines and regulations governing business lending;

- Proficiency in Microsoft applications (Excel, Word, Powerpoint). Financial modelling skills in Excel considered an asset.

Ability to work independently;

Strong

📌 Business Credit Analyst (Surrey)
🏢 Prospera
📍 Surrey