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About the Role
Vault is seeking a detail-oriented Credit Analyst to support its Equipment Leasing and Working Capital portfolios. This role involves analyzing credit applications, validating information, and identifying potential fraud within a fast-paced, high-volume environment.
Responsibilities
- Input and analyze submitted credit applications, ensuring all mandatory information is complete and accurate.
- Identify and escalate fraud risk by analyzing application details, business information, and vendor legitimacy.
- Complete KYC/AML processes diligently and follow procedures for verification failures.
- Review commercial and consumer credit bureaus to validate applicant identity and credit information.
- Follow up with customers or brokers by phone to verify information or address gaps in files.
- Review corporate profiles to confirm active status, legal name, and ownership details.
- Perform general reviews of provided information for compliance, validity, and consistency.
- Maintain data accuracy and integrity by checking for duplicate records and merging files.
- Perform vendor profile checks to ensure legitimacy and consistency with the transaction.
- Upload and review financial and bank statements for gaps or signs of tampering.
- Meet tight SLAs and manage high application volumes by prioritizing workload.
- Prepare complete, well-documented files with clear notes for credit decisioning.
- Escalate exceptions and concerns to senior underwriters and management.
- Ensure compliance with corporate credit policies, procedures, and fraud-prevention protocols.
- Proactively identify process improvements and emerging fraud trends.
- Complete ad hoc requests as needed.
Requirements
- 2–3 years of experience in credit analysis, underwriting, or credit/fraud operations in a financial services environment.
- Experience preferably in equipment leasing, commercial finance, or working capital/small business lending.
- Working knowledge of commercial and consumer credit bureaus (e.g., Equifax, TransUnion, Dun & Bradstreet).
- Ability to interpret credit reports and alerts.
- Familiarity with business financial statements and bank statements.
- Ability to spot irregularities, inconsistencies, and potential document tampering.
- Strong investigative and analytical skills with a keen eye for detail.
- Ability to connect information across multiple sources.
- Comfortable learning proprietary software.
- Proficiency in Microsoft Office (Excel, Word, Outlook).
- Proficiency in online corporate registry and verification tools.
- Clear, professional verbal and written communication skills.
- Confidence in contacting customers by phone to verify information.
- Proven ability to prioritize, manage high volumes, and meet deadlines and SLAs.
- Sound judgment, integrity, and a self-motivated, team-oriented approach.
Skills
- Credit Analysis
- Underwriting
- Credit Operations
- Fraud Operations
- Equipment Leasing
- Commercial Finance
- Working Capital Lending
- Credit Bureau Analysis
- Financial Statement Analysis
- Bank Statement Analysis
- Investigative Skills
- Analytical Skills
- Attention to Detail
- Microsoft Office Suite
- Communication Skills
- Prioritization
- Time Management
- Problem-Solving
Location
- Remote
Work Type
- Full-time
Experience Level
- 2-3 years
Education Level
- Post-secondary education in business, finance, or a related field (or equivalent experience)
About the Company
- Vault is a non-bank private lending company offering a wide array of financial services including equipment leasing and other lending products.
- Vault has a devoted team of experts with years of experience in financial services and real estate.
- The company is dedicated to delivering products and services that meet diverse borrower needs, quicker and easier than traditional sources.
- Vault offers a fast-paced, fun, progressive, and friendly work environment with incredible opportunities.
- The organization values a "work hard, play hard" and "have fun while you work" culture.
- Vault 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.