Credit Risk Analyst, Debtor Credit

REV Capital

. Assess debtor creditworthiness using internal data including AR aging and trends, payment history, DSO, dilution, disputes, limit utilization, and client concentration .

Posted 10/14/2026full-timeVaughan • CanadaJuniorMid-LevelWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in assessing debtor creditworthiness through internal and external data analysis, including credit reports and financial statements. Proficient in managing credit limits and communicating effectively with stakeholders while maintaining accurate debtor records.

Highest-signal resume keywords

Commercial Credit AnalysisCredit Risk AssessmentFinancial Statement InterpretationExcel ProficiencyB2B Credit Risk Management

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit AnalysisDebtor Credit AssessmentCredit Limit ManagementFinancial Statement ReadingCredit Report InterpretationPortfolio AnalysisAging AnalysisPayment Behavior AnalysisDecision DocumentationRisk Identification

Soft Skills

Attention to DetailSound JudgmentClear Written CommunicationDiscipline Under Pressure

Tools & Technologies

Factoring SoftwareCredit Reporting Tools

Industry Keywords

B2B CreditTransportationFreight BrokerageClient Relationship ManagementCredit Committee

About the role

Key responsibilities & impact

Assess debtor creditworthiness using internal data including AR aging and trends, payment history, DSO, dilution, disputes, limit utilization, and client concentration
Assess debtor creditworthiness using external sources including credit reports, liens, bankruptcy, and sanctions checks
Verify the operating authority of Canada and U.S. transportation debtors and identify risks
Set, increase, decrease, suspend, or cancel debtor credit limits within delegated authority and company risk appetite
Prepare written recommendations with supporting evidence for limits above delegated authority and escalate them to the Credit Committee
Review and decide daily debtor credit tickets from Client Relationship Managers, the Data team, and clients
Prioritize funding-related tickets to meet same-day service targets and wire cut-off times
Review new debtor profiles, perform duplicate checks, and link or create debtor records with mandatory fields
Document ticket decisions, rationale, and client communications
Communicate declines, conditions, and temporary approvals to Client Relationship Managers
Review expiring and existing debtor limits, balances, aging spreads, and payment patterns
Act on early warning signals and place debtors on hold or no-buy status when warranted
Assist Underwriting by assessing creditworthiness and debtor concentration for new clients
Flag fraud indicators and suspicious debtor activity
Maintain accurate debtor records and track ticket volumes, turnaround times, and decision outcomes
Identify and escalate emerging risk issues to the Director of Credit and Underwriting and relevant stakeholders
Assist with ad hoc requests

Requirements

What you’ll need

2-6 years of experience in commercial credit, trade or debtor credit, credit analysis, or a related role
Post-secondary education in finance, business, or a related field, or equivalent experience
Ability to read and interpret commercial credit reports such as D&B, Equifax, Credit Safe, or Ansonia
Ability to read and interpret financial statements
Solid understanding of B2B credit risk, credit limits, aging, and payment behavior
Sound judgment and ability to make quick, well-documented decisions within delegated authority
Experience developing or maintaining credit reports, dashboards, and portfolio analysis
Strong attention to detail and discipline to follow established procedures under time pressure
Clear written communication for decision notes and stakeholder updates
Strong Excel skills
Experience with factoring software is an asset
Experience in factoring, transportation, or freight brokerage is an asset

Benefits

Comp & perks

Competitive compensation plan
Employer matching RRSP program
Flexible work schedule
Opportunities for growth and development
Excellent health, dental, and vision benefits plan
Team outings and social events