<p>We're Canvas Credit Union</p> <p>We're passionate about transforming financial services. Our members, families, and the communities we call home motivate everything we do. As part of the credit union movement, we believe in providing our members with education, support, and guidance to build strong financial futures.</p> <p>Canvas "It's About More" Video - YouTube (Click here - or, visit https://www.youtube.com/watch?v=z8WAm_TDRdk )</p> <p>Why Canvas?</p> <p>At Canvas, we're dedicated to transforming financial services from the inside out. Our culture is a top priority and second to none. We strive to balance hard work and high achievement with a fun, supportive environment.</p> <p>At Canvas, there are 5 behaviors we live by each day that will continue to help us be known for our heart and our people:</p> <p>What's In It For You</p> <ul> <li>Seriously good benefits: Beyond healthcare, dental, and life insurance, we make it so worth your while. Canvas employees get up to a 10% company contribution to their 401k, generous personal time off, and employee discounts on loans (that includes cars and houses!). The starting pay range for this position is $100,093.53-$135,000.00/annual, and final pay rate will be determined based on experience, education, skills, and internal equity factors. Canvas benefits include: </li><li></li><li>Medical/Dental/Vision Insurance </li><li>Paid Vacation </li><li>Paid Sick Time </li><li>Paid Holidays </li><li>Paid Wellness Day </li><li>Paid Volunteer Time </li><li>Flexible Spending Account </li><li>Health Savings Account </li><li>World Class 401(k) Plan </li><li>Tuition Reimbursement </li><li>Rate Discounts on Qualifying Loans </li><li>May be eligible for incentives or discretionary bonus based on results </li></ul> <p>What you'll do</p> <p>The Senior Commercial Credit Analyst is responsible for evaluating the financial statements and conditions of individual and commercial loan members applying for credit including new, renewal, or extension loans. The Senior Commercial Credit Analyst will also assist the Commercial Lending Operations Manager, Commercial Portfolio Manager, SVP of Business Services, loan officers, and third parties as requested. They perform all duties in accordance with established policies, procedures and objectives of the organization and in compliance with all fair lending regulations.</p> <p>Essential Duties/Responsibilities</p> <ul> <li>Conduct financial analysis to include financial statements, ratio analysis, and industry comparisons. Analyze cash flow, projections and collateral for repayment sources. </li><li>Analyze a borrower's personal tax returns to determine global cash flow; personal financial statements and real estate schedules to determine net worth and liquidity. </li><li>Prepare written credit presentations on all new loans, renewals, extensions and modifications relative to financial strengths and weaknesses of borrowers, risk assessments, strengths of guarantors, industry analysis, collateral and loan structures with opinions as to credit worthiness. </li><li>Present their findings of the underwriting process to loan officers, department leadership, and members of the Business Lending Committee. </li><li>Directly serves strategic initiatives set by senior leadership and the commercial/business executive team. </li><li>Regularly exercises independent judgment on matters of significance related to evaluation of commercial credit. </li><li>Perform annual reviews to monitor credit quality, assure timely and accurate risk ratings of loans and early identification of deterioration in credit quality. </li><li>Assist and coordinate with Business Services Officers to obtain and review proper documentation for commercial loan closings, including but not limited to financial statements, appraisals, title policies, and environmental reports. </li><li>Assist in the preparation of monthly, quarterly and annual portfolio reports. </li><li>Review commercial loan documents for quality control. </li><li>Perform file maintenance and/or file audits on commercial loans as needed. </li><li>Assist with portfolio administration such as document tracking, reporting, and covenant monitoring. </li><li>Review, underwrite make decisions on small business member loans through individual credit authority. </li><li>Assist in the preparation, review and enhancements of department policies and procedures. </li><li>Coordinate, engage, and review appraisal reports and appraisal reviews. </li><li>Develop and maintain underwriting workbooks and other job aids. </li><li>Mentor and train other team members as needed. </li><li>Present loan requests to Business Loan Committee. </li><li>Exhibit support for the organization's goals, values, initiatives, and cost control. </li><li>Keep informed on developments and trends in the financial services industry. Share knowledge with the management team on effective practices, competitive intelligence, business opportunities and needs. </li><li>Assist in defining and developing strategy needed to achieve organizational goals. </li><li>Comply with Bank Secrecy Act (BSA) and other compliance requests and requirements. </li><li>Follow all safety and security guidelines to properly safeguard member and organization assets. </li><li>Embrace ongoing education and learn/apply new skills and software applications. </li><li>Regular attendance and punctuality are essential functions of the job. </li><li>Perform other job duties as assigned. </li></ul> <p>Job Qualifications</p> <p>Knowledge, Skill and Ability:</p> <ul> <li>Advanced knowledge of state/federal compliance regulations, lending policies, credit union operations, profitability analysis, and asset/liability management. </li><li>Strong relationship building and teamwork skills with ability to develop and maintain consultative relationships with Canvas staff. </li><li>Excellent verbal, written and interpersonal communication skills with the ability to explain programs, features, policies and benefits to customers and business partners. </li><li>Ability to make effective and persuasive speeches and presentations on controversial or complex topics to the Board, outside vendors or potential partners. </li><li>Advanced knowledge and understanding of Canvas financial products and services. </li><li>Strong analytical, problem solving and decision-making skills. </li><li>Strong attention to detail and excellent organizational skills; ability to manage multiple priorities with demanding deadlines. </li><li>Ability to work with mathematical concepts such as those necessary to create and/or update spreadsheets or calculate DSCR, LTV and other key measures of credit risk. Ability to read and interpret appraisals, tax returns, business financial statements and other documents relied upon to make credit decisions. </li><li>Must be proficient in MS Office (Outlook, Excel, and Word). Advanced knowledge in Excel is preferred. </li><li>Ability to maintain confidences. </li><li>Pre-employment background review (components include criminal, employment, address, social security number, motor vehicle record, global sanctions, and sex offender). </li></ul> <p>Education or Formal Training: Bachelor's degree in Accounting, Finance, related field or equivalent work experience.</p> <p>Experience: Minimum of 6+ years of commercial credit analysis or related experience. Experience in Commercial Real Estate (CRE) and Commercial & Industrial (C&I) lending is preferred.</p> <p>For Current Canvas Employees: To be considered, you must be meeting performance expectations, consistently demonstrating HEART behaviors, and must submit an up-to-date resume or update your Work History profile with your current responsibilities and accomplishments.</p> <p>Working Environment/Physical Activities</p> <p>High volume, fast-paced, dynamic office environment with some travel. Must be able to attend meetings and events outside of regular business hours. The job routinely uses standard office equipment such as computers, phones, printers, copiers, fax machines and filing cabinets. The position requires manual dexterity, the ability to lift files and open filing cabinets. The position requires bending, stooping, or standing as necessary.</p> <p>Other Duties</p> <p>Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities, activities, and hybrid work status may change at any time, with or without notice.</p> <p>Applications for this position will be accepted until December 18, 2025. For consideration, applications must be received by 12:00PM (noon) MST on December 18, 2025.</p>