Commercial Finance Manager
COBS Bread•Vancouver, BC
•Hybrid
About The Position
At COBS Bread, we believe in supporting the success and sustainability of our franchise network through strong partnerships, commercial insight, and operational excellence. We are looking for a commercially minded and analytical Commercial Manager to join our Finance team and play a key role in supporting franchisee financial performance across the business.
Requirements
- Bachelor’s degree in Finance, Accounting, Business, or a related field
- 3+ years of experience in commercial finance, FP&A, or financial analysis
- Proven experience partnering cross-functionally with Operations and Development teams
- Strong financial analysis and modelling skills
- Commercial acumen with the ability to translate data into operational insights
- Strong stakeholder management and relationship-building skills
- High attention to detail and strong governance discipline
- Advanced Excel and financial reporting capabilities
- Excellent communication skills with the ability to simplify complex financial concepts
- Ability to manage competing priorities in a fast-paced environment
Nice To Haves
- MBA and/or CFA designation (or progress toward CFA) considered an asset
- Experience supporting multi-site operations, retail, hospitality, or franchise environments preferred
- Exposure to lending, credit analysis, or banking relationships is an asset
Responsibilities
- Monitor cash flow and financial performance of at-risk franchisee locations
- Identify financial risks early and support the development of recovery plans
- Track progress against recovery milestones and maintain accurate reporting records
- Support repayment plans for outstanding franchisee debts
- Provide regular financial risk reporting to Finance and Operations leadership
- Support relationships with preferred banking and lending partners
- Assist franchisees in navigating financing options and lender connections
- Maintain and update franchisee financing resources and documentation
- Administer financial assessments within the franchisee gate approval process
- Maintain gate tracking documentation, approvals, and pipeline reporting
- Partner with Franchise Development and Legal teams to support smooth execution of the process
- Review financial submissions from prospective franchisees
- Assess financial viability, credit profiles, and business plans
- Prepare recommendation reports highlighting financial strengths and risks
- Communicate financial expectations and requirements to candidates
- Conduct financial reviews for franchisees seeking expansion opportunities
- Assess profitability, debt obligations, and working capital capacity
- Provide recommendations and escalate financial concerns where appropriate
- Partner with Operations teams to review underperforming bakery locations
- Provide financial insights and analysis to support action plans
- Follow up on agreed actions and track financial outcomes
- Other tasks and projects as assigned.
Benefits
- Fresh COBS Bread product delivered daily to our Vancouver Support Office
- Flexible work arrangements with a combination of working in the Vancouver Support Office and remotely
- Competitive salary, bonus, and vacation plan
- Extended Health & Dental Benefit
- Group RRSP Matching
- Health and Lifestyle spending account
- Paid sick and personal leave days
- Paid day for community service and volunteer time
- An open, ‘continuous-learning’ environment where professional development and career progression is encouraged
- Work within a dynamic, driven, high-achieving, close-knit and fun-loving team
- High level of autonomy and responsibility
- Complimentary self-serve kitchen of fresh produce, deli meats and of course, COBS Bread and treats!
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
