Credit Analyst

2 weeks ago

Toronto, Canada Vault Credit Corporation Full time

**Company**:
Vault is a non-bank private lending company offering a wide array of financial services such as mortgage, leasing and lending products. Vault has a devoted team of experts with years of experience in both financial services and real estate. We are dedicated to delivering products and services that meet the diverse needs of our borrowers, quicker and easier than traditional sources

We have a fast-paced, fun, progressive, and friendly work environment. The company is currently experiencing growth (which comes with incredible opportunity) that can be attributed to the “work hard, play hard” and “have fun while you work” values of the organization. This is a company with no politics or red tape, you want to get something done, you will have the latitude and opportunity to run with it, giving you the chance to take ownership of your results with no ceiling of what you can accomplish.

**Role**:
**Key Performance Objectives**:

- Conduct research, financial and statistical analysis to determine and support the clients' creditworthiness while minimizing risk exposure. Provide recommendations or justification for the credit decision.
- With a strong understanding of cash flow reports, financial ratios, trends, etc., successfully spread and analyze business financial statements and/or tax returns.
- Sound knowledge of credit scores reported on commercial credit bureaus and consumer credit bureaus.
- Ensure compliance with corporate credit policies and procedures.
- Interact with senior leadership team.
- Proactively identify areas requiring process improvements and take ownership for proposing creative solutions.
- Perform vendor reviews.
- Conduct analyses to determine causes and cures for delinquency.
- Understand market changes and remain relevant knowledge of industry issues.
- Completes ad hoc requests as needed.

**Qualifications**:

- Minimum 5 years’ experience in Business Credit underwriting and risk management in a financial services environment, combined with relevant post-secondary education with an emphasis on business and finance.
- Strong understanding of commercial business structures. Familiarity with acceptable financing options and techniques.
- Sound knowledge and understanding of business financial statements, business case, cash flow analysis, commercial lending security documentation, including collection/work out techniques and remedies.
- Excellent communication skills and computer competency (word processing/spreadsheet).
- Excellent credit writing skills. Demonstrates innovative and creative approaches to solving difficult challenges and seizing opportunities.
- Proven ability to identify and quantify subtle business risks and the ability to identify key drivers of risk and focus discussions accordingly.
- Strong verbal and written communication skills.
- Ability to exercise sound judgment. Works well in a team environment.
- Able to prioritize and plan workload, and to meet deadlines in a dynamic, fast-paced environment. Self-motivated.

  • Credit Analyst

    2 weeks ago

    Toronto, Canada Coface USA Full time

    **WHO WE ARE** A modern and agile company with the most finely meshed international network, Coface is a reference in credit insurance and risk management. With over 70 years of experience as an industry leader, and a team of 4,100 experts in 100 countries, serving around 50,000 companies, Coface experts work to the beat of the global economy. Its ambition...

  • Credit Analyst

    Found in: Talent CA 2A C2 - 5 days ago

    Toronto, Canada YAMAHA MOTOR CANADA LTD. Full time

    LOCATION: TORONTOSummary of ResponsibilitiesThe Credit Analyst will analyze and make determination on approval, conditioning and rejection of non-prime retail and offerings according to company policy and procedure to minimize risk while providing the highest level of service to the dealer body and assisting in the sale of Yamaha product. The successful...

  • Credit Analyst

    Found in: Talent CA C2 - 1 week ago

    Toronto, Canada EMCO Corporation Full time

    Job Description The Credit Analyst is responsible for credit application evaluation, approval and administration of customer accounts, collection of funds while maintaining healthy, profitable customer relationships, within the company’s acceptable levels of risk. The position has a hybrid work arrangement.  Job Duties Review new customer...

  • Bilingual Credit Analyst

    14 hours ago

    Toronto, Canada Anrgi Tech Full time

    We are seeking a Bilingual AR/Credit Analyst to assist in managing credit customers, evaluating their creditworthiness, establishing credit limits, and resolving past due accounts. This role involves operational and reporting tasks to support department goals. Fluency in both French and English is required. **Responsibilities**: Assess the creditworthiness...

  • Bilingual Credit Analyst

    3 days ago

    Toronto, Canada Anrgi Tech Full time

    We are seeking a Bilingual AR/Credit Analyst to assist in managing credit customers, evaluating their creditworthiness, establishing credit limits, and resolving past due accounts. This role involves operational and reporting tasks to support department goals. Fluency in both French and English is required. **Responsibilities**: Assess the creditworthiness...

  • Business Data Analyst

    Found in: Talent CA 2 C2 - 1 week ago

    Toronto, Canada CB Canada Full time

    Business Analyst - Consultant On behalf of our client in the Banking Sector, PROCOM is looking for a Business Analyst - Consultant. Business Analyst - Consultant – Job Description Provide subject matter expertise to lead and support the project at each stage to ensure successful delivery: Write Business Requirements Documents (BRD) Review System...

  • Global Counterparty Credit Summer Analyst

    3 days ago

    Toronto, Canada TD Bank Full time

    **Department Overview** **Global Counterparty Credit at TD Securities**: The Global Counterparty Credit group is responsible for implementing and ensuring compliance with credit policies established by the Bank for the management of derivative credit exposures. Through strategic, tactical and risk-oriented teams of professionals, Global Counterparty Credit...

  • Credit Analyst

    Found in: Jooble CA O C2 - 1 week ago

    Toronto, ON, Canada Emcosorel Full time

    With over 115 years of experience, EMCO Corporation is a leading national wholesale distributor of plumbing, HVAC, waterworks, and industrial products to the construction industry. We provide quality and cutting-edge products that help support residential, commercial and infrastructure initiatives across Canada. At EMCO Corporation, we are committed to...

  • Vice President, Credit Ratings, Insurance

    7 days ago

    Old Toronto, Canada Morningstar Credit Ratings, LLC Full time

    Vice President, Credit Ratings, Insurance - Canada (12 Month Contract) page is loaded Vice President, Credit Ratings, Insurance - Canada (12 Month Contract) Apply locations Toronto time type Full time posted on Posted 2 Days Ago job requisition id REQ-041859 About the role:Morningstar DBRS is seeking a full-time Vice...

  • Vice President, Credit Ratings, Insurance

    2 weeks ago

    Old Toronto, Canada Morningstar Credit Ratings, LLC Full time

    Vice President, Credit Ratings, Insurance - Canada (12 Month Contract) page is loaded Vice President, Credit Ratings, Insurance - Canada (12 Month Contract) Apply locations Toronto time type Full time posted on Posted 2 Days Ago job requisition id REQ-041859 About the role:Morningstar DBRS is seeking a full-time Vice...

  • Vice President, Credit Ratings, Insurance

    1 week ago

    Old Toronto, Canada Morningstar Credit Ratings, LLC Full time

    Vice President, Credit Ratings, Insurance - Canada (12 Month Contract) page is loaded Vice President, Credit Ratings, Insurance - Canada (12 Month Contract) Apply locations Toronto time type Full time posted on Posted 2 Days Ago job requisition id REQ-041859 About the role:Morningstar DBRS is seeking a full-time Vice...

  • Vice President, Credit Ratings, Insurance

    Found in: Jooble CA O C2 - 2 weeks ago

    Toronto, ON, Canada Morningstar Credit Ratings, LLC Full time

    Vice President, Credit Ratings, Insurance - Canada (12 Month Contract) page is loaded Vice President, Credit Ratings, Insurance - Canada (12 Month Contract) Apply locations Toronto time type Full time posted on Posted 2 Days Ago job requisition id REQ-041859 About the role: Morningstar DBRS is seeking a full-time Vice President to join its Insurance Team...

  • Credit Analyst

    Found in: Jooble CA O C2 - 17 hours ago

    Toronto, ON, Canada Yamaha Motor Canada Ltd. Full time

    The Credit Analyst will analyze and make determination on approval, conditioning and rejection of non-prime retail and offerings according to company policy and procedure to minimize risk while providing the highest level of service to the dealer body and assisting in the sale of Yamaha product. The successful candidate must be available Monday-Saturday on...

  • Financial Analyst

    2 days ago

    Toronto, Canada Rapport Credit Union Full time

    The Financial Analyst will report to the Financial Controller at the Corporate Office, Toronto. The Financial Analyst will be responsible for the preparation and distribution of various key financial statements and monthly reports to senior management. The Financial Analyst will also manage all aspects of Rapport’s corporate external financial and...

  • Analyst - Global Credit Ctm

    5 days ago

    Toronto, Canada Royal Bank of Canada Full time

    **Come Work with Us!** At RBC, our culture is deeply supportive and rich in opportunity and reward. You will help our clients thrive and our communities prosper, empowered by a spirit of shared purpose. Whether you’re helping clients find new opportunities, developing new technology, or providing expert advice to internal partners, you will be doing work...

  • Technical Analyst

    2 weeks ago

    Toronto, Canada Vault Credit Corporation Full time

    **Get to Know Vault Credit Corporation**: Vault is a non-bank private lending company offering a wide array of financial services such as mortgage, leasing and lending products. Vault has a devoted team of experts with years of experience in both financial services and real estate. We are dedicated to delivering products and services that meet the diverse...

  • Dialer Analyst

    2 weeks ago

    Toronto, Canada Total Credit Recovery Limited Full time

    We are looking for a driven and committed individual who has a passion to work with communication technologies.This is a fantastic opportunity for you to take the lead on an array of exciting projects and bring innovative solutions of your own design to our company. As the - **Dialer Analyst**, you will:Develop, build, and monitor outbound dialer campaigns...

  • Analyst, Hedge Fund Credit Coverage

    13 hours ago

    Toronto, Canada Royal Bank of Canada Full time

    **Come Work with Us!** At RBC, our culture is deeply supportive and rich in opportunity and reward. You will help our clients thrive and our communities prosper, empowered by a spirit of shared purpose. Whether you’re helping clients find new opportunities, developing new technology, or providing expert advice to internal partners, you will be doing work...

  • Analyst, Institutional Client Credit Management

    5 days ago

    Toronto, Canada Royal Bank of Canada Full time

    **Come Work with Us!** At RBC, our culture is deeply supportive and rich in opportunity and reward. You will help our clients thrive and our communities prosper, empowered by a spirit of shared purpose. Whether you’re helping clients find new opportunities, developing new technology, or providing expert advice to internal partners, you will be doing work...

  • Senior Credit Risk Analyst

    Found in: beBee jobs CA - 1 week ago

    Toronto, Ontario, Canada CIBC Full time

    We're building a relationship-oriented bank for the modern world. We need talented, passionate professionals who are dedicated to doing what's right for our clients.At CIBC, we embrace your strengths and your ambitions, so you are empowered at work. Our team members have what they need to make a meaningful impact and are truly valued for who they are and...