Credit Analyst

Boldr; Toronto; On-site; CAD 65,000 - 90,000; Full time

Job summary

Boldr in Toronto is seeking a Credit Analyst to manage credit risk across the Invoice to Cash cycle. You will assess creditworthiness, set limits and terms, monitor portfolios for risk signals, and escalate when needed to protect revenue and support sales.

Collaborate with Sales, Deal Desk, Collections, Revenue Accounting, and Legal to improve thresholds, procedures, and tooling as the function grows.

Qualifications

• Experience performing credit reviews and risk assessments.
• Ability to interpret financial statements and third-party reports.
• Familiarity with ASC 606 revenue recognition concepts.
• Strong attention to detail and written communication.

Responsibilities

• Perform creditworthiness reviews for new and existing customers and decide on credit limits or terms.
• Monitor portfolios for changes in payment behavior and external risk signals; escalate before balances become past due.
• Document reviews and decisions to support audit readiness and policy compliance.

Skills

Credit risk analysis

Financial statement analysis

ASC 606 knowledge

Credit policy adherence

Job description

A LITTLE BIT ABOUT Boldr

• Boldr is the first global B-Corp dedicated to delivering world-class Client experiences while creating access to dignified, meaningful work in communities around the world.
• We are a global team, united by our desire to connect diverse people with common values for boldr impact.

LET'S START WITH OUR VALUES

• Meaningful connections start with AUTHENTICITY
• We do our best work by being CURIOUS
• We grow by remaining DYNAMIC
• Our success combines AMBITIOUS VISION with OPERATIONAL EXCELLENCE
• At the heart of great partnerships we'll always find EMPATHY

WHAT IS YOUR ROLE

As a Credit Analyst, you will manage credit risk across the Invoice to Cash cycle, from signed order to cash in the bank. You will assess the creditworthiness of new and existing customers, recommend credit limits and payment terms, review held orders for customers with past due balances, and screen for fraud. Once customers are onboarded, you will monitor the portfolio for changes in payment behavior, exposure, or external risk signals, and raise concerns to Collections and leadership before balances become past due.

You will balance protecting the company from late payment, non-payment, and fraud against keeping the sales process moving for legitimate customers. Each decision will be documented to the audit standard in support of revenue recognition under ASC 606. Working closely with Sales, Deal Desk, Collections, Revenue Accounting, and Legal, you will also recommend improvements to credit thresholds, procedures, and tooling as the function grows.

WHY DO WE WANT YOU

We are currently looking for impact-driven individuals who are passionate about helping Boldr grow and achieve our Purpose. We expect our Team to become our ultimate partners to success by always giving their 110% in everything, sharing their talents and quirks, and championing our core values: Curious, Dynamic and Authentic.

WHAT WILL YOU DO

Credit Reviews

• Perform creditworthiness reviews for new customers and existing customers requesting additional credit, applying the Credit Policy and risk tolerance thresholds.
• Recommend credit limits, payment terms, prepayment, or other risk mitigation where appropriate.
• Analyze company financial statements and third-party credit reports, and translate them into clear credit recommendations.
• Review prospective customers and orders for indicators of fraud, and upscale or decline in line with established procedures.
• Review order release requests for customers with past due balances, weighing collection risk against the customer relationship and revenue opportunity.
• Communicate credit decisions and conditions clearly, in writing, to Sales and Collections.

Monitoring and Reporting

• Monitor the customer portfolio for changes in payment behavior, exposure, or external risk signals, and raise concerns to Collections and leadership before balances become past due.
• Track and report on credit review volume, turnaround time, exposure, and outcomes, and use the data to identify where reviews add friction without reducing risk.
• Share insights from credit reviews with Collections, Sales, and Deal Desk so that patterns in credit risk inform how the business sells and collects.

Documentation, Policy, and Compliance

• Document every review, decision, and exception so that the credit file supports collectibility assessments under ASC 606 and can be produced for auditors without rework.
• Review credit risk tolerances, policies, and procedures, and recommend improvements, including where automation or AI tools can take on routine reviews.
• Support internal and external audits and SOX testing related to credit.
• Maintain the credit procedure documentation the team relies on.

WHAT WE'LL LIKE ABOUT YOU

YOU ARE...

• Curious and authentic, just like us! #beboldr
• An analytical and critical thinker, with an eye for even the most minute of details

• Passionate about client satisfaction.
• Proactive and self-motivated
• Strongly interested in learning new ideas, processes, and unique requirements. On top of that, you're