Vault Credit Corporation
Vault Credit Corporation
Vault Credit Corporation कनाडा की एक निजी क्रेडिट विशेषज्ञ और वैकल्पिक ऋणदाता कंपनी है, जो उपकरण लीज़िंग, व्यावसायिक और उपभोक्ता ऋण, आवासीय और वाणिज्यिक मॉर्गेज, ऑटोमोटिव वित्तपोषण और घर सुधार ऋण सहित विभिन्न क्षेत्रों में वित्तपोषण प्रदान करती है। कंपनी डेटा, प्रौद्योगिकी और कृत्रिम बुद्धिमत्ता का उपयोग करके कृषि, खनन, स्वास्थ्य सेवा और निर्माण जैसे क्षेत्रों के लिए वित्तपोषण समाधानों को अनुकूलित करती है तथा ऋण देने की पूरी प्रक्रिया—ऋण आरंभ करने और मूल्यांकन से लेकर वित्तपोषण और सेवा प्रबंधन तक—आंतरिक रूप से संचालित करती है। Vault संस्थागत और मान्यता प्राप्त व्यक्तिगत निवेशकों के लिए परिसंपत्ति प्रबंधन और निजी क्रेडिट निवेश समाधान भी प्रदान करती है, साथ ही दलालों और ऋण आरंभकर्ताओं को लचीले वित्तपोषण विकल्प उपलब्ध कराती है।

Credit Analyst I – Canada Remote

Credit Analyst I underwriting working-capital loans for Vault Credit Corporation in Canada. Evaluate borrower risk, analyze financial statements, and recommend lending decisions.

विवरण

  • Make credit decisions within the authorized credit limit
  • Prepare detailed credit analyses and recommendations for transactions above the Analyst’s credit limit
  • Underwrite borrowers by assessing character, creditworthiness, and financial condition
  • Recommend transaction structures, terms, conditions, security, and covenants
  • Use research, financial analysis, and statistical analysis to evaluate creditworthiness and limit risk exposure
  • Spread and review business financial statements and tax returns
  • Evaluate commercial and consumer credit bureau scores
  • Follow corporate credit policies and procedures
  • Collaborate with senior leadership
  • Identify process improvements and develop creative solutions
  • Analyze delinquency causes and potential resolutions
  • Track market developments and industry issues
  • Handle ad hoc requests as needed

आवश्यकताएँ

  • At least 3 years of business credit underwriting and risk management experience in financial services
  • Post-secondary education focused on business and finance
  • Availability to work from 11:30 AM to 8:00 PM PST
  • Strong understanding of commercial business structures
  • Familiarity with suitable financing options and techniques
  • Sound knowledge of business financial statements, business cases, bank statement analysis, and cash flow analysis
  • Knowledge of commercial lending security documentation, including collection, workout techniques, and remedies
  • Excellent communication and computer skills, including word processing and spreadsheets
  • Strong credit writing skills
  • Ability to identify and quantify subtle business risks and their key drivers
  • Sound judgment and the ability to work effectively in a team
  • Ability to prioritize and organize workloads, meet deadlines, and perform in a dynamic, fast-paced environment
  • Self-motivated

लाभ

  • Fast-paced, progressive, friendly, and engaging work environment
  • Workplace values that support ownership, opportunity, and the latitude to deliver results
  • Accommodations available for people with disabilities

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