Impress employers and recruiters.
Choose from hundreds of resume examples.

Impress employers and recruiters.
Choose from hundreds of resume examples.

Target Resume Now

About the Role

The Credit Analyst II is responsible for making credit decisions within their authorized limit and preparing detailed credit analysis with recommendations for transactions exceeding that limit. This role also focuses on driving efficiencies and supporting risk management within the portfolio.

Responsibilities

• Perform underwriting analysis of Borrower’s character, creditworthiness and financial condition.
• Provide direction and leadership on transactions to origination and sales support members regarding structure, terms, conditions, security, and covenant recommendations.
• Conduct research, financial, and statistical analysis to determine and support client creditworthiness while minimizing risk exposure.
• Spread and analyze business financial statements and/or tax returns, with a strong understanding of cash flow reports, financial ratios, and trends.
• Ensure compliance with corporate credit policies and procedures.
• Interact with the senior leadership team.
• Proactively identify areas requiring process improvements and propose creative solutions.
• Perform vendor reviews.
• Conduct analyses to determine causes and cures for delinquency.
• Maintain relevant knowledge of industry issues and market changes.
• Complete ad hoc requests as needed.

Requirements

• Minimum 3 years of experience in Business Credit underwriting and risk management in a financial services environment.
• 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 credit writing skills.
• Demonstrates innovative and creative approaches to solving difficult challenges and seizing opportunities.
• Proven ability to identify and quantify subtle business risks.
• 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.
• Able to meet deadlines in a dynamic, fast-paced environment.
• Self-motivated.

Skills

• Credit Analysis
• Risk Management
• Financial Statement Analysis
• Cash Flow Analysis
• Credit Writing
• Communication

Experience Level

• Minimum 3 years

Education Level

• Relevant post-secondary education with an emphasis on business and finance

About the 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.

Equal Opportunity

• We are committed to providing accommodations for people with disabilities. Should you require accommodation, we will partner with you to meet your needs.