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Credit Analyst II
Vault Credit Corporation. Make credit decisions within the authorized credit limit .
Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in Business Credit Underwriting and Risk Management, with a strong understanding of financial analysis, creditworthiness assessment, and compliance with corporate credit policies. Capable of providing leadership and direction in origination processes while effectively communicating with senior leadership and team members.
Highest-signal resume keywords
Business Credit UnderwritingRisk ManagementFinancial AnalysisCredit Writing SkillsCommercial Lending Security Documentation
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Credit AnalysisFinancial Statement AnalysisCash Flow AnalysisBusiness Case DevelopmentCredit Score AssessmentDelinquency AnalysisStatistical AnalysisProcess ImprovementUnderwriting AnalysisCompliance Monitoring
Soft Skills
Excellent Communication SkillsTeam CollaborationSound JudgmentSelf-MotivatedAbility to Prioritize Workload
Tools & Technologies
Word Processing SoftwareSpreadsheet Software
Industry Keywords
Financial ServicesCommercial Business StructuresFinancing OptionsRisk Exposure MinimizationCovenant Recommendations
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
- Support the origination process through underwriting analysis of borrowers’ character, creditworthiness, and financial condition
- Provide direction and leadership to origination and sales support members on structure, terms, conditions, security, and covenant recommendations
- Conduct research, financial analysis, and statistical analysis to assess client creditworthiness and minimize risk exposure
- Spread and analyze business financial statements and/or tax returns
- Ensure compliance with corporate credit policies and procedures
- Interact with the senior leadership team
- Identify process improvements and propose creative solutions
- Analyze causes of delinquency and recommend cures
- 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
- Strong understanding of commercial business structures
- Familiarity with acceptable financing options and techniques
- Sound knowledge and understanding 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
- Sound knowledge of credit scores reported on commercial and consumer credit bureaus
- Excellent communication skills
- Computer competency in word processing and spreadsheets
- Excellent credit writing skills
- Ability to identify and quantify subtle business risks and key drivers of risk
- Strong verbal and written communication skills
- Ability to exercise sound judgment
- Ability to prioritize and plan workload and meet deadlines in a dynamic, fast-paced environment
- Self-motivated
- Ability to work well in a team environment
Benefits
Comp & perks- Fast-paced, fun, progressive, and friendly work environment
- Workplace accommodations for people with disabilities