• Support the Business Banking team by preparing complex credit submissions, conducting detailed financial analysis, structuring lending solutions, and assisting with ongoing management of a sophisticated commercial lending portfolio. • Lead the preparation of credit applications for complex commercial lending relationships, including real estate, construction and development financing, syndications, and other specialized credit structures. • Complete in-depth financial analysis, cash flow modelling, feasibility assessments, covenant analysis, stress testing, and sensitivity analysis to support credit recommendations. • Partner with Business Relationship Managers and internal stakeholders to structure lending solutions that align with policy, risk appetite, and member needs. • Evaluate borrower strength, guarantor support, project viability, market conditions, and security positions for complex lending transactions. • Support syndication opportunities through analysis of participation structures, lender requirements, and deal terms. • Manage annual reviews, renewals, amendments, construction monitoring, and ongoing portfolio maintenance activities. • Monitor portfolio performance, covenant compliance, delinquency trends, and emerging risk indicators. • Coordinate documentation, funding requirements, and conditions precedent with internal departments, syndication partners, legal counsel, and other external stakeholders. • Support construction draws, project monitoring, and reporting requirements for real estate development and construction lending relationships. • Prepare portfolio reporting and recommendations to support effective risk management and decision-making. • Mentor Business Credit Analysts through technical guidance, knowledge sharing, and best practice development.

• The Sr Business Analyst supports product teams by translating business needs and product priorities into detailed, actionable requirements and execution plans. • Partnering closely with the Product Manager, this role refines and manages the product backlog, supports prioritization, and ensures delivery aligns with intended business outcomes. • The Business Analyst may execute delegated Product Manager activities when capacity or capability constraints exist and play a key role in validating delivered functionality, tracking outcomes, and supporting product execution. • Partners with Product Managers on backlog refinement and prioritization, including sequencing work based on value dependencies and capacity. • Defines the development-ready stories and requirements by breaking down epics and features into user stories, defines acceptance criteria, and documents high‑level non‑functional requirements. • Executes the delegated Product Managers’ responsibilities when the PM capacity or capability is limited, ensuring continuity of product execution. • Collaborates with development teams and Solution Architects to ensure stories are well understood and aligned with business outcomes. • Validates solutions aligned to the business units by participating in and supporting User Acceptance Testing to confirm delivered functionality meets defined requirements and acceptance criteria. • Measures visibility into delivery and outcomes by tracking and reporting on stakeholders to surface risks, dependencies, and performance insights.

• Lead data collection, cleansing and in-depth analysis related to pricing, sales and product & customer mix • Take ownership of developing and optimizing pricing and product & customer mix actions based on market insights and analysis • Conduct research and analysis of competitor pricing and promotional activities to identify opportunities and threats • Develop dashboard to monitor and report on the effectiveness of implemented strategies, providing actionable insights for continuous improvement • Utilize data-driven models to support scenario planning • Translate data and analysis into strategic conclusions and actionable recommendations, actively contribute to decision-making processes • Collaborate closely with cross-functional teams, including Marketing, Sales, CP&A and Finance, to ensure alignment and implementation of RGM strategies • Prepare and deliver clear and concise presentations and reports to communicate findings and recommendations to cross-functional teams and senior management

• Create innovative, thought provoking, and highly leveraged “must-have insights” content • Develop new insights and ideas through thought leadership • Develop in-depth analysis to identify the root cause of a client’s barriers • Demonstrate thought leadership in establishing Insights positions across a team of analysts • Research, analyze and predict market trends and shifts • Provide clients and prospects with actionable advice • Create and deliver high value presentation materials • Support BTI and Sales with sales support and high quality content peer review • Build credibility as an industry expert