Credit Analyst – Alternative Lending

SM Staffing; Canada; On-site; CAD 75,000 - 100,000; Full time

Job summary

A leading alternative lending company in Canada is seeking an experienced Junior Underwriter to enhance their funding operations. The candidate will conduct credit and risk analysis on loan submissions, evaluate financial documentation, and identify potential fraud indicators. This role requires strong analytical skills and a good understanding of credit policies. The position offers a competitive salary ranging from $75,000 to $100,000, along with health benefits and opportunities for career advancement.

Benefits

Health Benefits

Performance-based bonuses

Career advancement opportunities

Qualifications

• Experience in credit risk analysis and underwriting.
• Ability to identify potential fraud indicators.
• Strong analytical skills and attention to detail.

Responsibilities

• Conduct credit and risk analysis on loan submissions.
• Evaluate financial documentation including bank statements.
• Communicate with sales partners to clarify submissions.

Skills

Credit risk analysis

Underwriting

Fraud detection

Data analytics

Job description

About Us

We are a strategically built, finance-forward alternative lending company with a strong foundation in credit analysis, fraud prevention, and data-driven risk assessment. Our team combines deep financial expertise with advanced analytics to evaluate business performance, detect anomalies, and ensure funding decisions are both fast and responsible. Our portfolio includes a wide range of small and medium-sized business loans, particularly in higher-risk segments where disciplined credit judgment and fraud mitigation are essential. We focus on creating long-term value through structured risk management, robust credit infrastructure, and efficient funding practices. As we continue to scale, we are building a team that prioritizes quality over volume and data integrity over speed.

Position Summary

We are seeking an experienced Junior Underwriter to support our funding operations by reviewing, analyzing, and approving deals within the alternative lending sector. The ideal candidate will have experience in credit risk analysis, underwriting, and fraud detection—balancing deal flow with sound financial judgment and regulatory awareness.

Key Responsibilities

• Conduct credit and risk analysis on loan submissions.
• Evaluate financial documentation including bank statements, credit reports, business histories, and supporting materials.
• Identify and flag potential fraud indicators or inconsistencies in merchant or borrower data.
• Utilize data analytics to support risk-based decision-making.
• Communicate with sales partners and internal stakeholders to clarify and optimize submissions.
• Maintain consistent underwriting standards in conjunction with credit policies and risk procedures.
• Collaborate with funding and compliance teams to ensure all funded deals meet regulatory and internal quality standards.

Compensation & Benefits

• Base Salary: $75,000-$100,000 (commensurate with experience)
• Health Benefits
• Performance-based bonuses and career advancement opportunities