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Tailor your resume to this Working Capital Team - Credit Analyst II role.
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About the Role
The Credit Analyst II will be responsible for making credit decisions within their authorized credit limit and preparing detailed credit analysis with recommendations for transactions exceeding this limit. Key responsibilities include performing underwriting analysis, providing direction on transaction structuring, conducting financial analysis to support creditworthiness, and ensuring compliance with corporate credit policies.
Responsibilities
- Perform underwriting analysis of borrower character, creditworthiness, and financial condition.
- Provide direction and leadership on transaction 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 bank statement analysis, 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.
- Conduct analyses to determine causes and cures for delinquency.
- Understand market changes and remain knowledgeable of industry issues.
- 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, bank statement and 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.
- 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
- Bank statement analysis
- Cash flow reports
- Financial ratios
- Credit bureau analysis (commercial and consumer)
- Word processing
- Spreadsheet software
Location
- Onsite
Work Type
- Full-time
Experience Level
- Mid-level
Education Level
- Post-secondary education with an emphasis on business and finance
Benefits
- Accommodations for people with disabilities
About the Company
- Vault is a non-bank private lending company offering a wide array of financial services including mortgage, leasing, and working capital lending products.
- Vault has a devoted team of experts with years of experience in both financial services and real estate.
- The company is dedicated to delivering products and services that meet the diverse needs of borrowers, quicker and easier than traditional sources.
- Vault has a fast-paced, fun, progressive, and friendly work environment.
- The company is experiencing growth with incredible opportunity.
- The company values a 'work hard, play hard' and 'have fun while you work' culture.
- This is a company with no politics or red tape, offering latitude and opportunity to drive initiatives and take ownership of results.
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.