Credit Analyst

6 days ago

Surrey, British Columbia, Canada Velocity Truck Centres Full time

Drive your career forward with a dynamic role as an Intermediate Credit Analyst

Position: Credit Analyst (Intermediate)

Type: Fulltime Permanent / Hybrid

Schedule: Monday to Friday (8:00am – 4:30pm)

Location: Surrey, BC

Who We Are:

Crossroads Equipment Lease & Finance is a wholly owned subsidiary of Velocity Truck Centres Canada / Velocity Vehicle Group who provides full-service support which including sales, maintenance, parts, collision repair, and financing. Representing top brands like Freightliner, Western Star, Thomas Built, Autocar, and Trailers, we are committed to Speed, Value, and Trust for our customers and employees.

We offer operating and finance leasing as well as direct financing to our commercial customers. Crossroads has experienced dynamic growth, expanding our portfolio and developing relationships with transportation companies across North America.

What We Offer:

  • Attractive Compensation: An extremely competitive Salary (will D.O.E.).
  • Work-Life Balance: Generous accrued vacation time.
  • Financial Security: Plan for the future with employer RRSP matching.
  • Comprehensive Benefits: Company-paid extended health coverage that includes medical, dental, and vision coverage, basic life insurance, disability, and wellness programs.
  • Excellent Training and Career Advancement Opportunities.

Position Overview:

The Intermediate Credit Analyst supports credit decision-making for equipment finance transactions, focusing on the transportation industry. Working in an independent finance company environment, this role evaluates credit risk, structures practical financing solutions, and collaborates closely with Sales, Funding, Customer Service, and Collections to support profitable growth and strong portfolio performance

Duties & Responsibilities

  • Analyze and adjudicate equipment finance transactions within delegated authority.
  • Assess financial statements, cash flow, credit history, and transportation-related collateral (tractors, trailers, fleets).
  • Structure deals with appropriate terms, pricing, and security.
  • Prepare clear, concise credit rationales.
  • Monitor portfolio performance and complete annual reviews.
  • Partner with Funding to ensure approval conditions are met prior to funding.
  • Support Sales and Customer Service with timely, risk-balanced credit decisions.
  • Assist Collections with delinquent accounts, restructures, and loss mitigation efforts.
  • Ensure compliance with internal credit policies and risk standards.

Skills & Qualifications

  • 3–5 years of experience in credit analysis within equipment finance, leasing, or commercial lending.
  • Experience with transportation industry credits (trucking, logistics, fleets, owner-operators).
  • Strong financial statement and cash flow analysis skills.
  • Knowledge of secured lending and equipment collateral.
  • Post-secondary education in Finance, Business, Accounting, or related field.

Preferred Experience

  • Experience in an independent or non-bank finance company.
  • Exposure to Funding, Customer Service, and/or Collections.
  • Familiarity with Canadian lending practices and credit bureaus.

Skills & Attributes

  • Strong commercial judgment and analytical skills.
  • Solution-oriented, hands-on approach.
  • Clear written and verbal communication.
  • Strong attention to detail and time management.
  • Proficiency in Microsoft Excel.

Crossroads is an equal opportunity employer.

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