Credit Risk Analyst

Jobtailor; Vaughan; On-site; CAD 80,000 - 120,000; Full time

Job summary

REV Capital is seeking an experienced B2B credit underwriter in Vaughan, Canada to evaluate financial statements and creditworthiness, under PPSA and UCC guidelines. You will underwrite new and renewal client submissions, assess risk, and collaborate with sales to tailor underwriting solutions.

The role requires 4–7 years in credit underwriting, strong analytical and negotiation skills, and proficiency with D&B and Equifax; knowledge of commercial lending or factoring is a plus.

Qualifications

• Bachelor’s degree in finance, economics, business administration, or related field.
• 4–7 years of B2B credit underwriting or credit risk experience.
• Strong ability to analyze financial statements, credit reports, and other financial information to assess creditworthiness and risk.
• Experience using commercial credit reporting agencies such as D&B and Equifax.
• Strong understanding of credit analysis, underwriting principles, and risk assessment methodologies.

Responsibilities

• Evaluate and analyze financial statements, credit reports, and other pertinent information to assess the risk of complex accounts.
• Conduct in-depth assessments of clients' creditworthiness and financial stability.
• Underwrite and review new client applications to establish their acceptability as investments for the Company.
• Negotiate client terms and conditions while ensuring adherence to REV Capital policies and guidelines.
• Prepare and submit renewal applications for approval.

Skills

Credit Underwriting

Financial Statement Analysis

Risk Assessment

Negotiation

Client Communication

Analytical Skills

Decision-Making

Education

Bachelor’s degree in finance, Economics, Business Administration, or related field

Tools

D&B

Equifax

Excel

Microsoft Office

Job description

• Evaluate and analyze financial statements, credit reports, and other pertinent information to assess the risk of complex accounts.
• Conduct in-depth assessments of clients' creditworthiness and financial stability.
• Ensure all underwriting activities comply with PPSA and UCC regulations.
• Draft, review, and prepare financing statements and other relevant documents under PPSA and UCC guidelines.
• Underwrite and review new client applications to establish their acceptability as investments for the Company.
• Negotiate client terms and conditions while ensuring adherence to REV Capital policies and guidelines.
• Evaluate portfolios nearing maturity to determine their continued suitability as investments.
• Prepare and submit renewal applications for approval.
• Negotiate repayment or revised terms and conditions for unacceptable portfolios.
• Review cost consultant reports and prepare funding requests.
• Underwrite new and renewal business submissions, ensuring proper risk selection, endorsements, and pricing within underwriting authority.
• Establish and maintain effective relationships with brokers and generate opportunities.
• Attend and actively engage in client meetings, prepare well-researched questions, and communicate effectively with clients.
• Generate detailed reports on underwriting activities, risk assessments, and portfolio performance for senior management.
• Collaborate with Sales to understand client needs and offer tailored underwriting solutions.
• Work with Legal and Compliance to ensure processes adhere to regulatory standards.
• Assist in developing and executing long- and short-term underwriting strategic plans.
• Perform file audits of individual risks for compliance with company guidelines and conditions.
• Stay informed about changes, trends, news, and legal developments.
• Assist with ad hoc requests as needed.

Requirements

• Bachelor’s degree in finance, Economics, Business Administration, or a related field.
• 4–7 years of B2B credit underwriting or credit risk experience, preferably in financial services, factoring, commercial lending, or a related industry.
• Strong experience analyzing financial statements, credit reports, and other financial information to assess creditworthiness and risk.
• Experience using commercial credit reporting agencies such as D&B and Equifax.
• Strong understanding of credit analysis, underwriting principles, and risk assessment methodologies.
• Experience underwriting new and renewal B2B business, including evaluating risk and recommending appropriate terms and conditions.
• Knowledge of PPSA and UCC regulations is an asset.
• Strong analytical, quantitative, communication, negotiation, and decision-making skills, with the ability to communicate effectively with clients and internal stakeholders.
• Proficiency in Microsoft Office, particularly Excel, and the ability to work independently in a fast-paced, dynamic environment.
• Experience in factoring, transportation, fraud analysis, or asset-based lending is nice to have.

Core Competencies

Demonstrates expertise in credit analysis, underwriting principles, and risk assessment methodologies, with a strong ability to evaluate financial statements and credit reports. Proficient in negotiating terms and conditions while ensuring compliance with PPSA and UCC regulations.

Highest-signal resume keywords

• Credit Underwriting
• Financial Statement Analysis
• PPSA and UCC Compliance
• Risk Assessment Methodologies
• Negotiation Skills

ATS Optimization Keywords

Hard Skills

• Credit Analysis
• Underwriting Principles
• Risk Assessment
• Financial Reporting
• B2B Credit Underwriting
• Portfolio Evaluation
• Cost Consultant Review
• Renewal Application Preparation
• File Audits
• Quantitative Analysis

Soft Skills

• Communication Skills
• Decision-Making Skills
• Negotiation Skills
• Relationship Management
• Analytical Skills

Industry Keywords

• Financial Services
• Factoring
• Commercial Lending
• Credit Risk
• Asset-Based Lending
• Transportation
• Fraud Analysis

Tools & Technologies

• Microsoft Office
• Excel
• D&B
• Equifax