Commercial Relationship Manager at COBS Bread — NeverHard

Job DescriptionJob Description Great Place to Work Certified™ Best Workplaces™ in British Columbia 2025 Best Workplaces™ in Retail & Hospitality 2025 Commercial Manager Reports to: Vice President of Finance Annual Salary: $85,000 to $100,000 based on experience Location: Vancouver, BC or Toronto, ON 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. What you will be responsible for: Financially Critical Bakery Support 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 Banking Relationships 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 Franchise Gate Process 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 Financial Assessment – New Franchisee Candidates 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 Multi-Site Franchisee Growth Reviews Conduct financial reviews for franchisees seeking expansion opportunities Assess profitability, debt obligations, and working capital capacity Provide recommendations and escalate financial concerns where appropriate Bakery Issue Reviews with Operations 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. Requirements What you bring to the table: Bachelor’s degree in Finance, Accounting, Business, or a related field MBA and/or CFA designation (or progress toward CFA) considered an asset 3+ years of experience in commercial finance, FP&A, or financial analysis Experience supporting multi-site operations, retail, hospitality, or franchise environments preferred Exposure to lending, credit analysis, or banking relationships is an asset 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 Benefits What’s in it for you: Flexible work arrangements with a combination of working in the Support Office and remotely Competitive salary, bonus, and vacation plan A great Extended Health & Dental Benefit, Group RRSP Matching, and 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 We thank all applicants for their interest in COBS Bread but would like to advise that only applicants shortlisted for interview will be contacted. We are an equal opportunity employer and value diversity at our company. About COBS Bread With over 170 locations, COBS Bread serves fresh and delightful baked goods to communities across Canada. Any unsold items are donated daily to various local charities and food banks. The company's success can be attributed to the quality of our product, the development of our people and our warm and friendly customer service. COBS Bread is part of Bakers Delight – Established in 1980 operating as Bakers Delight in Australia and New Zealand, and since 2003 as COBS Bread in Canada and the USA. Together we have grown to more than 700 bakeries across Australia, New Zealand, Canada and the USA. The entire network employs over 15,000 people, serving more than 2.1 million customers each week. Our Values: Bring Passion and Purpose – Being deeply connected to why we do what we do. Contribute to something meaningful to our team, customers, and community. Be Open and Honest – Being clear, respectful, and transparent even when its uncomfortable. Creating a safe space for others to speak up, ask questions, and share ideas constructively. Make it Better – Not settling for “good enough”: Always looking for ways to improve the way we work, the experience we offer, or how we grow as individuals and teams. Demonstrating a continuous learning mindset. Take Ownership – taking responsibility for outcomes, not just assigned tasks. Being clear on what we are accountable for, owning up to results (good or bad), and following through on commitments. Accessibility Accommodation is available upon request for applicants and employees with disabilities. If you are contacted for a job opportunity, please advise us of any accommodations needed to ensure you have access to a fair and equitable process. Any information received relating to accommodation will be addressed confidentially. #INDCOB1