Credit Analyst I

Vault Credit Corporation

. Make credit decisions within the authorized credit limit .

Posted 10/8/2026full-timeRemote • CanadaMid-LevelSeniorWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in Business Credit Underwriting and Risk Management, with a strong ability to analyze financial statements, assess creditworthiness, and ensure compliance with corporate credit policies. Proven skills in communication, teamwork, and process improvement in a fast-paced financial services environment.

Highest-signal resume keywords

Business Credit UnderwritingRisk ManagementFinancial Statement AnalysisCommercial Lending Security DocumentationCredit Writing Skills

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit AnalysisUnderwriting AnalysisFinancial AnalysisStatistical AnalysisBusiness Case AnalysisCash Flow AnalysisCredit Bureau Score AnalysisProcess ImprovementMarket ResearchRisk Assessment

Soft Skills

Excellent Communication SkillsTeamworkSelf-MotivatedJudgmentPrioritization

Tools & Technologies

Word Processing SoftwareSpreadsheet Software

Industry Keywords

Financial ServicesCommercial Business StructuresFinancing OptionsCredit PoliciesDelinquency Analysis

About the role

Key responsibilities & impact

Make credit decisions within the authorized credit limit
Prepare detailed credit analyses and recommendations for transactions exceeding the Analyst's credit limit
Perform underwriting analysis of borrowers’ character, creditworthiness, and financial condition
Provide direction on transaction structure, terms, conditions, security, and covenant recommendations
Conduct research, financial analysis, and statistical analysis to assess creditworthiness and minimize risk exposure
Spread and analyze business financial statements and/or tax returns
Analyze commercial and consumer credit bureau scores
Ensure compliance with corporate credit policies and procedures
Interact with the senior leadership team
Identify process improvement opportunities and propose creative solutions
Analyze causes and cures for delinquency
Monitor market changes and industry issues
Complete ad hoc requests as needed

Requirements

What you’ll need

Minimum 3 years’ experience in Business Credit underwriting and risk management in a financial services environment
Relevant post-secondary education with an emphasis on business and finance
Availability to work from 11:30 AM to 8:00 PM PST
Strong understanding of commercial business structures
Familiarity with acceptable financing options and techniques
Sound knowledge of business financial statements, business cases, bank statement and cash flow analysis
Knowledge of commercial lending security documentation, including collection/work out techniques and remedies
Excellent communication skills and computer competency in word processing and spreadsheets
Excellent credit writing skills
Ability to identify and quantify subtle business risks and key drivers of risk
Ability to exercise sound judgment and work well in a team environment
Ability to prioritize and plan workload, meet deadlines, and work in a dynamic, fast-paced environment
Self-motivated

Benefits

Comp & perks

Fast-paced, fun, progressive, and friendly work environment
Workplace values emphasizing ownership, opportunity, and latitude to accomplish results
Accommodations for people with disabilities