We are looking for a Credit Analyst to join a finance team in Surrey, British Columbia, where you will support informed lending decisions through thorough financial review and risk assessment. This role plays a key part in evaluating applicants, interpreting financial information, and advising on deal structure to balance client needs with sound credit practices. The successful candidate will bring strong analytical judgement, attention to detail, and the ability to communicate recommendations clearly across internal stakeholders.<br><br>Responsibilities:<br>• Assess borrower profiles by reviewing character, repayment capacity, and overall financial strength to support new credit opportunities.<br>• Prepare detailed credit evaluations using bank statements, cash flow reporting, ratio analysis, and financial trends to form well-supported recommendations.<br>• Analyze business financial statements and tax documents to identify risk factors, repayment ability, and the overall quality of lending applications.<br>• Provide guidance to origination and sales support teams on transaction structure, lending terms, security arrangements, and covenant considerations.<br>• Review commercial and consumer bureau information to strengthen credit decisions and improve risk awareness.<br>• Apply corporate lending policies and established procedures consistently to maintain compliance across all assessments.<br>• Investigate delinquent accounts to identify underlying causes and recommend practical actions to improve repayment outcomes.<br>• Work closely with senior leadership by presenting findings, supporting decision-making, and responding to additional analytical requests as required.<br>• Monitor industry developments and market conditions to ensure credit analysis remains current, relevant, and aligned with emerging risks.<br>• Identify opportunities to improve workflows and contribute practical solutions that enhance efficiency and decision quality.