Vault Credit Corporation
Vault Credit Corporation
Vault Credit Corporation este o companie canadiană specializată în creditare privată și un creditor alternativ care oferă finanțare pentru leasing de echipamente, împrumuturi pentru companii și consumatori, credite ipotecare rezidențiale și comerciale, finanțare auto și împrumuturi pentru îmbunătățirea locuinței. Compania gestionează intern întregul ciclu de creditare, de la inițiere și evaluare până la finanțare și administrarea creditelor, folosind date, tehnologie și inteligență artificială pentru a adapta soluțiile de finanțare la sectoare precum agricultura, mineritul, sănătatea și construcțiile. Vault oferă, de asemenea, soluții de administrare a activelor și de investiții în creditare privată pentru investitori instituționali și persoane fizice acreditate, sprijinind în același timp brokerii și inițiatorii de credite prin opțiuni flexibile de finanțare.

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.

Descriere

  • 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

Cerințe

  • 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

Beneficii

  • 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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