Credit Risk Analyst

4 weeks ago

Woodbridge Ontario LL, York region, Canada REV Capital Full time

Credit Risk Analyst


REV Capital is seeking a Credit Risk Analyst to play a pivotal role in maintaining the financial stability and growth of our organization through managing complex accounts and conducting thorough risk assessments while ensuring compliance. The Credit Risk Analyst will collaborate with cross-functional teams to offer tailored underwriting solutions that meet our clients’ needs while adhering to regulatory standards


About REV Capital:


Cashflow restrictions are a universal challenge for B2B business owners. At REV Capital, the leading North American provider of full-service factoring, we help our clients bridge that gap and grow sustainably.


How does invoice factoring work?


A business sells its unpaid invoices to a third-party company (known as a ‘factor’) at a discounted rate, receiving up to 98% of their invoice value immediately. The factor then handles collections and underwriting, so the business owner no longer needs to worry about net terms or chasing payments from their customers.

The result? Business owners can reinvest time and cashflow into their operations, helping them grow, stay competitive, and become industry leaders.


Want to learn more about the value of factoring? Here’s a practical breakdown by Loren, our CEO.


Our team at REV is passionate about helping others. We embrace diversity and inclusivity, offering a flexible environment where professional and personal growth happens – just like with the hundreds of clients we support daily.


Ready to make an impact? Let’s explore the difference you can make on our team


Responsibilities:


Operational Duties


  • Adjudicate the credit requests and inquiries on a timely basis, within the delegated credit authority, and pursuant to company credit policies.
  • Conduct comprehensive risk assessments of potential clients, analyzing financial statements, credit histories, and industry trends to determine creditworthiness.
  • Perform routine review of existing debtors' credit limits, balance, aging spread, alerts and payment patterns.
  • Communicate credit decisions and recommendations to internal stakeholders.
  • Identify and escalate emerging risk issues to Credit and Underwriting Management, and other relevant stakeholders.
  • Develop and maintain regular reports and dashboards to provide insights into portfolio performance, credit quality, and risk exposure.
  • Identify and manage delinquent accounts, contributing to the overall financial well-being of the organization.
  • Investigate disputes and billing discrepancies and respond to credit inquiries from external and internal stakeholders with recommendations.


Team Duties:


  • Design and implement risk mitigation strategies, such as credit limits, collateral requirements, no-buy status, and recourse provisions, to minimize potential losses.
  • Coordinate with external credit reporting agencies on data collection, sharing, and validation.
  • Conduct training sessions to ensure the team's understanding of evolving risk management practices and methodologies.
  • Collaborate with cross-functional teams, including Client Relations, Collections, Data, Legal, and Sales, to make informed credit decisions aligned with the company's risk appetite.
  • Partner with the Client Relations team to address fraud prevention and optimal risk management practices.
  • Assist with ad hoc requests as needed.


Qualifications:


  • Bachelor's degree in Finance, Economics, Business Administration, or related field.
  • Minimum of 3-5 years of credit and underwriting experience.
  • B2B background with experience in generating credit risk reports through the utilization of credit agencies, such as D&B and Equifax.
  • Strong understanding of financial statements, credit analysis techniques, contract review and risk assessment methodologies.
  • Proficiency in using risk management software, data analysis tools, and Microsoft Office Suite.
  • Excellent quantitative and analytical skills, with the ability to synthesize complex information and provide actionable insights.
  • Effective communication and presentation skills, with the ability to convey complex concepts to both technical and non-technical stakeholders.
  • Proven track record of making sound credit decisions and managing risk in a fast-paced environment.
  • Team player with the ability to collaborate across departments and with various individuals.
  • Ability to excel in a fast-paced, customer-oriented, dynamic environment, and deal with multiple and often changing priorities.
  • Nice to have: Fraud analysis experience, factoring knowledge, and transportation or staffing industry experience.


What We Offer:


  • Employer matching RRSP – DPSP program
  • Competitive compensation plan
  • Flexible work schedule
  • Growth and development opportunities
  • Team outings and social events
  • Excellent extended medical, dental, and vision benefits plan that is 100% employer paid


Salary Range:


$65,000 - $75,000


Let your journey at REV Capital begin

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