Credit Risk Analyst
$70,000–$90,000 year
HybridVaughan, Ontario, Canada
Job Summary
Evaluate financial statements, credit reports, and pertinent information to assess risk for complex accounts and conduct in-depth assessments of client creditworthiness. Underwrite and review new client applications to establish acceptability as investments, negotiating terms while ensuring adherence to REV Capital policies and PPSA/UCC regulations. Prepare financing statements, draft renewal applications, and generate detailed reports on underwriting activities and portfolio performance for senior management. Independently establish relationships with brokers, attend client meetings with researched questions, and collaborate with Sales, Legal, and Compliance teams to execute underwriting strategies and perform file audits.
Required Qualifications
- Bachelor's degree in finance, Economics, Business Administration, or a related field
- 4–7 years of B2B credit underwriting or credit risk experience, preferably in financial services, factoring, commercial lending, or a related industry
- Strong experience analyzing financial statements, credit reports, and other financial information to assess creditworthiness and risk
- Experience using commercial credit reporting agencies such as D&B and Equifax
- Strong understanding of credit analysis, underwriting principles, and risk assessment methodologies
- Experience underwriting new and renewal B2B business, including evaluating risk and recommending appropriate terms and conditions
- Strong analytical, quantitative, communication, negotiation, and decision-making skills, with the ability to communicate effectively with clients and internal stakeholders
- Proficiency in Microsoft Office, particularly Excel, and the ability to work independently in a fast-paced, dynamic environment
Desired Qualifications
- Knowledge of PPSA and UCC regulations is an asset
- Experience in factoring, transportation, fraud analysis, or asset-based lending
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