Senior Risk Analyst Jobs in British Columbia (NOW HIRING)

Our Story & Purpose: 

We’re Vancity, a member-owned credit union built on the principles of inclusion and social justice. Since 1946, our relentless commitment to these values has helped us challenge the status quo and break down barriers. We’ve made bold commitments to become net-zero by 2040 across all mortgages and loans, and we’re actively pursuing strategies in Indigenous banking and financial resilience for our members. 

As the largest private sector Living Wage Employer in Canada, we’re proud to be consistently recognized as one of the country’s Top Employers. If you’re ready to join our team of 2,300 diverse individuals, access competitive rewards and benefits, and be part of a greater movement - apply today! 

Your Role in Supporting Our Members: 

As a Senior Commercial Banking Analyst, you will provide expert credit underwriting, financial analysis, and lending advice to support complex commercial financing transactions. Working closely with Commercial Banking Account Managers, Risk Managers, and business members, you will evaluate complex credit applications, conduct financial analysis, monitor existing commercial relationships, and provide recommendations that support both strong business outcomes and prudent risk management. We are seeking an experienced commercial banking professional with advanced credit expertise, sound judgment, and a passion for delivering exceptional member service while supporting community and environmental impact initiatives. 

This is a Full-time, Permanent role based at our Vancity head office and will report directly to the Manager, Commercial Banking Analysts. While this position provides a hybrid work arrangement, you will be expected to be on-site for events and business demands.

How You'll Make an Impact: 

• Underwriting complex commercial and business lending applications with a focus on larger and more sophisticated credit relationships 

• Collaborating with Commercial Banking Account Managers to structure financing solutions that meet member needs while aligning with Vancity's risk appetite 

• Participating in discussions with members regarding financing requests and leading conversations related to financial and structural aspects of transactions 

• Analyzing financial statements, cash flow, security, and credit risks to support sound lending recommendations 

• Partnering with Commercial Banking Account Managers  and Risk Managers to achieve timely and effective credit approval decisions 

• Acting as an alternate point of contact for business members within the assigned region 

• Performing annual credit reviews and monitoring existing lending relationships to ensure ongoing compliance with covenants and risk requirements 

• Providing technical guidance and mentorship to Commercial Banking Analysts to support capability development across the team 

• Reviewing commercial member accounts, deposits, and supporting documentation to support anti-money laundering and anti-terrorist financing requirements 

• Participating in community events and building strong relationships with members and local stakeholders 

What You’ll Bring to the Team: 

• Bachelor's degree in Finance, Accounting, Commerce, Business Administration, or a related discipline 

• Minimum 3-5 years of progressive experience in commercial banking, business banking, commercial credit, or lending analysis 

• Strong expertise in commercial credit underwriting, financial statement analysis, and risk assessment 

• Experience evaluating complex lending transactions, large commercial relationships, and interconnected borrower structures 

• Demonstrated ability to structure lending solutions and prepare comprehensive credit recommendations 

• Strong knowledge of commercial lending products, security documentation, and risk management principles 

• Experience working with anti-money laundering and regulatory compliance requirements within financial services 

• Exceptional analytical, relationship management, and communication skills 

• Professional designation such as CFA or  CPA, or equivalent financial designation is considered an asset 

Extra Skills That Set You Apart: 

• Experience supporting community impact, social finance, or values-based banking initiatives 

• Advanced expertise in commercial real estate, business lending, or specialized commercial financing 

• Experience coaching, mentoring, or providing technical guidance to junior banking professionals 

You Are: 

• Analytical – You confidently assess complex financial information and make sound credit recommendations 

• Relationship-Focused – You build trust with members and business partners while balancing service and risk considerations 

• Strategic – You understand how financing decisions support both organizational goals and member success 

• Collaborative – You work effectively with lending, risk, and business partners to achieve strong outcomes 

• Detail-Oriented – You maintain accuracy and diligence when reviewing complex financial and regulatory information 

We value lived experience, so if you are interested in this role, we encourage you to apply even if you feel your skills don't perfectly align with those listed. 

What You’ll Earn: 

This role offers a salary range of $76,500 to $99,000 per annum. The base pay offered may vary depending on factors such as relevant qualifications, skills, previous experience, and internal equity. As part of our total rewards package, employees may also be eligible for our annual incentive program, subject to program eligibility requirements. 

Why You’ll Love Working Here: 

A career at Vancity is more than just a job, you’re joining a tradition of change-makers who are creating lasting change for our communities. Beyond base pay, we offer a comprehensive total rewards package to ensure our employees are empowered to thrive: 

• Living Wage Employer: We’re the largest private-sector Living Wage Employer in Canada and consistently ranked among Canada’s Top Employers 

• Customizable Benefits: Permanent employees receive flexible benefit packages that can be tailored annually to meet evolving needs 

• Generous Vacation: New employees start with 3-4 weeks of vacation per year, with additional days earned over time 

• Extra Stat Holidays: In addition to BC’s 11 statutory holidays, we offer 2 extra days, plus care days for personal or family illness 

• Immediate Health Coverage: Health and dental benefits begin on your hire date, with three levels of coverage to choose from 

• Defined Benefit Pension: Our retirement plan provides a guaranteed income for life, recognizing that retirement looks different for everyone 

Vancity Talent Programs: 

Vancity supports an inclusive hiring process for candidates who self-identify as Indigenous, Black, or Trans. With special permission from the BC Human Rights Commissioner, this initiative provides access to career development opportunities, prioritized job screening, and feedback. Any information you choose to share will be stored securely and used only for recruitment and career development connected to this initiative, in line with the BC Personal Information Protection Act (PIPA). For details, please see our dedicated Talent Programs job posting. 

At Vancity we’re committed to creating a welcoming and inclusive workplace to help our people and communities thrive and prosper. Diversity in our workforce is integral so that we can truly represent, understand and respond to our community needs and deliver on our member experience. 

We are also committed to an inclusive, barrier-free and accessible recruitment experience for all candidates. If you require any accommodations or support at any stage of the recruitment process (including the application stage), we encourage you to let us know. We’re here to work with you to ensure your needs are met promptly and effectively. All requests will be handled with the utmost respect and confidentiality, so you can participate fully in the process.