Corporate Lending Associate / Commercial Lending Analyst / Business Lending Specialist

Supports the assessment, structuring, and administration of loans to businesses and corporate clients. Works with relationship managers, credit officers, legal teams, and clients to understand financing needs, gather information, evaluate repayment capacity, and move lending requests through the bank's review and approval process.

A Corporate Lending Associate typically coordinates loan applications, prepares credit materials, reviews supporting documents, and helps manage client and internal requests. A Commercial Lending Analyst focuses on financial and credit analysis, including reviewing financial statements, cash flows, debt levels, collateral, industry conditions, and repayment scenarios. A Business Lending Specialist may provide guidance on lending products, structure suitable financing options, coordinate documentation, and support clients and relationship teams through the lending process.

Analyzes client financial performance and assesses key credit factors such as cash flow, leverage, liquidity, repayment capacity, collateral, guarantors, and business risks. Prepares or reviews credit applications, financial models, risk summaries, and approval materials. Helps ensure that proposed facilities are consistent with credit policies, client needs, pricing requirements, and approval authorities.

Coordinates due diligence and documentation with clients and internal specialists. Tracks conditions, approvals, covenants, renewals, drawdowns, and other facility requirements. Monitors the lending portfolio for financial performance, covenant compliance, overdue accounts, and changes in client or market risk. Escalates concerns and supports actions to address potential deterioration, while maintaining clear and accurate records.

• Bachelor's degree in finance, accounting, economics, business, or a related field
• Experience in commercial banking, corporate lending, credit analysis, underwriting, or business finance
• Strong understanding of financial statements, cash flow analysis, debt structures, and credit assessment
• Ability to assess repayment capacity, liquidity, leverage, collateral, and business risks
• Proficiency with spreadsheets and financial modeling; familiarity with credit systems is an asset
• Strong analytical and numerical skills, with attention to accuracy and detail
• Ability to prepare clear credit reports, recommendations, and approval materials
• Clear communication and relationship-management skills when working with clients and internal teams
• Good organization and follow-up skills for managing applications, approvals, conditions, and deadlines
• Sound judgment and discretion when handling confidential client and financial information
• Familiarity with lending documentation, covenants, due diligence, and portfolio monitoring is beneficial
• Relevant banking, credit, accounting, or finance qualifications are an asset
• Experience with larger corporate facilities, complex transactions, or specialized industries may be required for senior roles