Commercial Risk Analyst

RISK IS YOUR instinct. CREDIT IS YOUR craft.

The Opportunity
As a Commercial Risk Analyst, you’re the trusted voice in the room when decisions carry real weight.

You live at the intersection of risk and opportunity — analyzing complex credit structures, assessing multifamily real estate transactions, and ensuring every deal balances sound judgment with strategic growth.

You don’t just review deals — you challenge assumptions, uncover insights, and strengthen outcomes. Whether you’re underwriting new transactions, monitoring portfolio performance, or navigating CMHC requirements, you bring clarity, structure, and confidence to every step of the process.

Working closely with internal teams, brokers, and external partners, you play a critical role in delivering high-quality lending decisions — from origination through funding, insurance placement, and securitization.

The Team You’ve Been Looking For
As a wholly owned subsidiary of AMA, we share a proud legacy of service and a commitment to doing the right thing for our customers, our communities, and each other. At Bridgewater Bank, you’ll be part of a nimble, forward-thinking organization where your ideas matter, your contributions are valued, and your growth is encouraged. We’re driven to make a positive impact and our close-knit culture values flexibility, innovation, and genuine connection. As part of the Bridgewater team, you’ll enjoy:

• Competitive salary and flexible benefits
• Employer-paid retirement savings program
• Employee-exclusive discounts on travel, insurance, memberships, and more
• Free travel medical insurance for you and your immediate family
• Ongoing professional development
• Flexible work models that make sense for your lifestyle

For us, curiosity fuels innovation. We value people who are eager to explore new ideas and who are comfortable putting emerging technologies into practice. We see experience with AI‑powered tools like ChatGPT, Copilot, and similar platforms as a real plus - especially when it’s used to work smarter, increase efficiency, and find better ways to get things done.

Who You Are

• You’re analytical, detail-oriented, and thrive in complex decision-making environments.
• You bring strong expertise in commercial lending, credit adjudication, and risk management.
• You’re confident interpreting financial statements, market data, and real estate dynamics.
• You’re a strong communicator who can clearly present recommendations and influence decisions.
• You’re collaborative and relationship-focused, with the ability to work across internal and external stakeholders.
• You exercise sound judgment and stay grounded in both risk discipline and business objectives.

How You’ll Make an Impact

• Lead the underwriting and adjudication of multifamily mortgage applications, analyzing borrower strength, property performance, and market conditions
• Develop credit recommendations and approval packages that support informed decision-making
• Monitor and manage a multifamily mortgage portfolio, identifying trends, risks, and opportunities
• Track portfolio performance, risk exposures, and key indicators to support ongoing oversight
• Act as a key liaison with CMHC, ensuring compliance with insured lending and securitization requirements
• Collaborate with Finance, Treasury, Legal, Compliance, and Operations to execute transactions effectively
• Contribute to process improvements that enhance underwriting quality, efficiency, and overall client experience

What You Bring to the Table

• Undergraduate degree in Finance, Business, Commerce, Economics, or a related field
• 7–10 years of progressive experience in commercial lending, credit adjudication, or real estate finance
• Demonstrated experience underwriting multifamily residential transactions
• Strong understanding of CMHC-insured lending programs and securitization processes
• Advanced financial analysis and modelling capabilities
• Ability to evaluate complex credit structures and risk scenarios with confidence
• Professional designations (CFA, CPA, AACI, or similar) are considered an asset

Belonging Matters Here 
Bridgewater Bank is committed to providing an inclusive, respectful, and accessible environment. If you require an accommodation at any time during our recruitment process, please contact [email protected]. We’ll work with you feel supported throughout your journey with us.

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WORK MODEL:

Hybrid

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We thank all applicants for their interest; however, only those selected for an interview will be contacted.