Commercial Leasing Analyst

• Positive, un-big bank like service experience delivered through Member-facing staff in branch, on the phone (Member-Connect) and via our Mobile mortgage specialists, Wealth Management advisors and Commercial and Business Banking Account Managers.
• Competitive rates.
• Personalized financial solutions, guidance, and service with the lowest possible fees for both Personal and Business Members.
• Profit sharing among Members.
• Multiple ways to bank-online, mobile app, phone/full-service Member Connect Contact Centre, and, of course, in-branch-DUCA is accessible 24/7
• A community philosophy of “profits with a purpose” culminating in the creation of the DUCA Impact Lab (www.ducaimpactlab.com), a charitable foundation committed to helping the credit challenged and underbanked. This led to DUCA's designation as a B-Corp certified organization, the first ever credit union to receive this global recognition.

• Prepare comprehensive lease credit applications, including financial statement analysis, cash flow modelling, covenant assessment, third party report summaries, and industry research.
• Provide recommendations on structure including mitigation strategies that balance risk and member needs.
• Conduct deep-dive analysis of corporate financial statements, tax returns, cash flow projections to assess the credit risk of potential leases.
• Assist with assessment of new lease applications, design and price lease structures, due diligence, research and credit applications, and make recommendations that adhere to DUCA's policies and risk guidelines.
• Perform valuation research on various equipment types to set appropriate structures to mitigate collateral risk.
• Utilize financial modeling tools (e.g. T-Value, Spreadsheet, Internal Systems etc.) to calculate various ratios, return and value.
• Liaise with Members, solicitors, appraisers, brokers, and internal partners (credit, operation, internal audit and finance) to support ongoing management of credit facilities.
• Assist in complying with AML requirements prior to funding a lease.
• Monitor the existing lease portfolio for performance, conducting annual reviews and identifying early warning signs of credit deterioration.
• Communicate with Commercial Leasing Members on a day-to-day basis, responding to questions and inquiries regarding products, services and advice.
• Assist with portfolio management duties and other day-to-day duties.
• Analyze industry segments, competitive conditions, and economic trends to assess risks and identify opportunities within the commercial lease portfolio.

• Bachelor's degree in business/finance/accounting/economics or related field.
• 3+ years' experience in banking or related field considered an asset.
• 2+ years' experience with financial statement analysis and modeling.
• Prior commercial equipment financing/leasing experience preferred but not a requirement.

• Strong analytical skills with the ability to interpret financial information, third party reports, legal agreements and assess creditworthiness.
• Mastery of Microsoft Excel (Complex Modeling) and familiarity with lease pricing software.
• Highly proficient with the other Microsoft Office suite of products, including Word, and Outlook.
• Strong attention to detail and commitment to data accuracy.
• Good problem-solving skills and ability to exercise sound judgement to resolve issues.
• Excellent written and verbal communication skills.
• Proven ability to handle multiple competing tasks, ensuring priorities are assessed and managed to meet deadlines and organizational objectivesEffective team player and ability to work well within a group setting.

• Regular office working conditions.
• Occasional travel to Member sites or external partners as required.

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