Credit Analyst (Working Capital Underwriter)

Vault Credit Corporation; Vancouver; On-site; CAD 70,000 - 100,000; Full time

Benefits offered by this job

Accommodations for disabilities

Job summary

Vault Credit Corp. is seeking a Credit Analyst II to evaluate borrowers, make credit decisions within authorized limits, and prepare in‑depth credit analyses. You will support risk management, assess financial conditions, and recommend transactions to higher authority levels when needed.

The role emphasizes workflow efficiency, market awareness, and the ability to interact with senior leadership. Candidates should have 3+ years of underwriting experience and strong financial statement analysis

Qualifications

• Minimum 3 years’ experience in Business Credit underwriting and risk management.
• Strong understanding of commercial business structures and financing options.
• Proficient in financial statement analysis and cash flow assessment.

Responsibilities

• Perform underwriting analysis of Borrower’s character, creditworthiness and financial condition.
• Provide direction on transactions, structure, terms, and covenants.
• Spread and analyze business financial statements and tax returns.
• Ensure compliance with corporate credit policies and procedures.
• Interact with senior leadership and assist risk management within the portfolio.
• Identify process improvements and propose creative solutions.
• Conduct analyses to determine causes of delinquency and risk drivers.

Skills

Credit underwriting

Financial analysis

Communication

Team collaboration

Education

Post-secondary education in business/finance

Tools

Excel

Job description

Vault Credit Corp. is seeking a Credit Analyst II to evaluate borrowers, make credit decisions within authorized limits, and prepare in‑depth credit analyses. You will support risk management, assess financial conditions, and recommend transactions to higher authority levels when needed.

The role emphasizes workflow efficiency, market awareness, and the ability to interact with senior leadership. Candidates should have 3+ years of underwriting experience and strong financial statement analysis