Financing Analyst analyzing complex business credit files and recommending financing conditions for Desjardins. Conducting credit controls, periodic reviews, and risk - management guidance.
About the role
- Credit Analyst underwriting working capital loans for Vault, a Canadian private lending company. Assessing borrower risk, analyzing financial statements, and recommending credit decisions.
Responsibilities
- Make credit decisions within the authorized credit limit
- Prepare detailed credit analyses and recommendations for transactions exceeding the Analyst’s credit limit
- Support the origination process through underwriting analysis of borrowers’ character, creditworthiness, and financial condition
- Provide direction and leadership to origination and sales support members on structure, terms, conditions, security, and covenant recommendations
- Conduct research, financial analysis, and statistical analysis to assess client creditworthiness and minimize risk exposure
- Spread and analyze business financial statements and/or tax returns
- Ensure compliance with corporate credit policies and procedures
- Interact with the senior leadership team
- Identify process improvements and propose creative solutions
- Analyze causes of delinquency and recommend cures
- Monitor market changes and industry issues
- Complete ad hoc requests as needed
Requirements
- Minimum 3 years’ experience in Business Credit underwriting and risk management in a financial services environment
- Relevant post-secondary education with an emphasis on business and finance
- Strong understanding of commercial business structures
- Familiarity with acceptable financing options and techniques
- Sound knowledge and understanding of business financial statements, business cases, bank statement and cash flow analysis
- Knowledge of commercial lending security documentation, including collection/work out techniques and remedies
- Sound knowledge of credit scores reported on commercial and consumer credit bureaus
- Excellent communication skills
- Computer competency in word processing and spreadsheets
- Excellent credit writing skills
- Ability to identify and quantify subtle business risks and key drivers of risk
- Strong verbal and written communication skills
- Ability to exercise sound judgment
- Ability to prioritize and plan workload and meet deadlines in a dynamic, fast-paced environment
- Self-motivated
- Ability to work well in a team environment
Benefits
- Fast-paced, fun, progressive, and friendly work environment
- Workplace accommodations for people with disabilities
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