Credit Risk Analyst

Relay

. Underwrite Relay's largest customers manually by reviewing business and financial risk, spreading income statements and balance sheets, and setting credit limits .

Posted 11/9/2026full-timeToronto • CanadaMid-LevelSenior💰 CA$72,900 - CA$89,100 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in manual commercial credit underwriting, financial statement analysis, and AI-assisted portfolio monitoring. Capable of maintaining customer relationships while explaining credit decisions and collaborating with cross-functional teams.

Highest-signal resume keywords

Manual Commercial Credit UnderwritingFinancial Statement AnalysisAI And Data Tools ExperienceSQL ProficiencyRisk Partnership With Sales Team

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Financial Statement SpreadingLiquidity AnalysisCredit Policy MaintenanceCharge Card Escalation ManagementCredit Limit Setting

Soft Skills

Customer Relationship ManagementCommunication Skills

Tools & Technologies

SnowflakeHeronS&P Financial Statement ModelsMoody's Financial Statement Models

Industry Keywords

Commercial Card IssuerFintechBusiness Credit Bureaus

Tech Stack

Tools & technologies

SnowflakeSQL

About the role

Key responsibilities & impact

Underwrite Relay's largest customers manually by reviewing business and financial risk, spreading income statements and balance sheets, and setting credit limits
Build AI-assisted monitoring for financial and qualitative risk signals across the portfolio
Build pre-approval lists for existing Relay customers without cards and partner with Sales on cross-selling
Explain credit decisions, handle larger-limit requests, and participate in customer conversations when financial documentation is needed
Maintain and update credit policy with Relay's funding partner as the portfolio grows
Own charge card escalations for documentation requests, decline reasons, and unresolved credit questions
Identify and build needed processes, reports, and tools
Report to the VP, Credit and collaborate with Sales, Customer Experience, and revenue teams

Requirements

What you’ll need

Manual commercial credit underwriting experience at a corporate or commercial card issuer, from large issuers to card-focused fintechs
Strong financial statement analysis skills, including spreading statements and defending limits using balance sheet, income statement, and liquidity analysis
Experience using AI and data tools to improve underwriting or portfolio monitoring
Ability to explain credit declines or smaller limits while maintaining customer relationships
SQL, especially in Snowflake (bonus)
Experience spreading statements in Heron or a similar tool (bonus)
Familiarity with S&P or Moody's financial statement models and business credit bureaus (bonus)
Experience as a risk partner embedded with a sales team (bonus)
Legally authorized to work in Canada
Able to join the office three days a week (Tuesday, Wednesday, and Thursday)

Benefits

Comp & perks

Compensation growth not limited to a once-a-year review cycle
Accommodations available at any stage of the hiring process
Background check and employment verification through Certn as part of conditional employment offers