Vault Credit Corporation
Vault Credit Corporation
Vault Credit Corporation is a Canadian private credit specialist and alternative lender providing financing across equipment leasing, business and consumer loans, residential and commercial mortgages, automotive finance, and home-improvement lending. The company manages the full lending lifecycle in-house, from origination and underwriting through funding and servicing, using data, technology, and AI to tailor financing solutions for sectors including agriculture, mining, healthcare, and construction. Vault also offers asset management and private-credit investment solutions for institutional and accredited individual investors, while supporting brokers and originators with flexible financing options.

Credit Analyst II – Hybrid, Canada

Underwrite working capital loans for Vault Credit Corporation by evaluating borrower risk, reviewing financial statements, and recommending credit decisions.

Description

  • Approve credit decisions within delegated authority limits
  • Develop thorough credit assessments and recommendations for transactions above the Analyst’s approval limit
  • Support loan origination by evaluating borrowers’ character, credit profile, and financial condition
  • Guide origination and sales support teams on recommended structures, terms, conditions, security, and covenants
  • Use research, financial modeling, and statistical analysis to evaluate creditworthiness and control risk exposure
  • Spread and review business financial statements and tax returns
  • Apply corporate credit policies and procedures consistently
  • Engage with the senior leadership team
  • Find opportunities to improve processes and develop practical solutions
  • Assess delinquency drivers and recommend appropriate remedial actions
  • Track market developments and industry concerns
  • Handle additional analysis and requests as required

Requirements

  • At least three years of business credit underwriting and risk management experience in financial services
  • Post-secondary education related to business or finance
  • Strong understanding of commercial business structures
  • Familiarity with suitable financing options and techniques
  • Working knowledge of business financial statements, business cases, bank statements, and cash flow analysis
  • Knowledge of commercial lending security documents, collection and workout techniques, and available remedies
  • Working knowledge of commercial and consumer credit bureau scoring
  • Excellent communication abilities
  • Proficiency with word processing and spreadsheet applications
  • Strong credit writing skills
  • Ability to recognize and quantify less obvious business risks and their primary drivers
  • Strong written and verbal communication
  • Sound professional judgment
  • Ability to organize competing priorities and meet deadlines in a fast-moving environment
  • Self-directed and motivated approach to work
  • Ability to collaborate effectively within a team

Benefits

  • Fast-paced, friendly, progressive, and engaging work environment
  • Workplace accommodations are available for people with disabilities

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