Risk Management Analyst

Commercial Credit
Toronto, Ontario

Posted On: September 14, 2021

Risk Management Analyst 

DUCA is currently looking for a Risk Management Analyst to join our dynamic team! 

Job Purpose & Summary

Reporting to either the Director or Senior Manager, Commercial Credit, the Risk Management Analyst supports DUCA’s risk management program related to the Commercial Lending portfolio.  This position provides commercial credit adjudication support, quality assurance analysis, portfolio monitoring, reporting, and project coordination. The Risk Management Analyst will review deals received from the Commercial Lending team, conduct analysis, and make recommendations on whether the deal is within DUCA’s risk guidelines.

Key Accountabilities & Duties

  • Assist in the end-to-end adjudication process for new credits and annual reviews in accordance with DUCA credit policy and guidelines
  • Review due diligence documents (e.g. appraisals, environmental reports, lease agreements, industry reports etc.), financial spreadsheets, risk rating, financial models and conduct sensitivity analysis
  • Approve annual reviews and amendment requests as per delegated lending authority, currently up to $500K
  • Use sound credit judgment to assess, analyze, and present well-written recommendations for adjudication on new deals and annual reviews
  • Check and review commitment letters and construction draw requests
  • Undertake quality assurance reviews on the commercial credit portfolio, track audit action items, and coordinate with key stakeholders (lenders, funding team, analysts, adjudication team)
  • Prepare reports and presentation for DUCA’s Management Credit Committee, leadership team, and Board of Directors as needed
  • Coordinate various initiatives and projects for the Commercial Credit team

Occupational Experience & Education Requirements

  • Undergraduate degree in Business, Finance, or a related field
  • Post-graduate degree or other related designation (CFA, FRM, CA etc.) considered an asset
  • 1-3 years’ work experience in commercial or real estate lending, or a related field
  • Previous experience with financial statement analysis

Knowledge, Skills & Attributes

  • Proficient with Microsoft Excel, Word, and PowerPoint
  • Knowledge of different commercial lending products and sound lending practices
  • Knowledge of the commercial real estate sector considered an asset
  • Ability to analyze financial statements and perform meaningful financial analysis
  • Ability to articulate complex problems into succinct analysis
  • Strong interpersonal and collaboration skills
  • Demonstrated critical thinking and problem-solving skills
  • Strong attention to detail
  • Excellent written and verbal communication skills
  • Client-focused mindset and drive to do what is best for our Members

Department: Commercial Credit

Primary Location: 5255 Yonge Street, North York

Employment Status: Full-Time

Hours per Week: 38 

Job Grade Level: Six (6)

About DUCA

DUCA exists to help people do more, be more and achieve more with their money and their lives. We’re driven by a co-operative philosophy that puts our Members (and Owners) at the centre of every decision we make, gives them a voice in how we’re run, and rewards them for their loyalty by sharing our profits.

At DUCA, we’re dedicated to creating a positive environment where our employees have growth and development opportunities, a healthy work/life balance, opportunities to give back to the community, and a focus on doing what is right for our Members. DUCA offers a competitive total compensation package including base salary, a short-term incentive (bonus) program, a comprehensive benefits program, pension plan, and employee banking benefits.

DUCA is committed to employment equity and encourages applications from all qualified candidates. Recruitment related accommodations will be provided upon request.

Qualified applicants are encouraged to submit their application. Applications must include both a resume and cover letter.

We thank all applicants but only those considered for an interview will be contacted.

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