Credit Analyst

5 months 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.

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