Credit Analyst I

Job not on LinkedIn

🔥 8 minutes ago

🇨🇦 Canada – Remote

⏰ Full Time

🟡 Mid-level

🟠 Senior

🧐 Analyst

👻 Ghost score 13%

What it means: how likely this posting is sitting open without active hiring.How to read it: 60% or higher means we think this is a ghost. Lower scores are less of a worry.How we score it: age, reposts, open roles vs team size, how fast jobs close, and whether pay is listed.Fine print: an estimate from public data, not a judgment of the company. Real jobs can score high, so treat it as a hint, not a fact.

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Vault Credit Corporation

WebsiteLinkedInAll Job Openings

51 - 200 employees

🚘 Automotive

🏗️ Construction

🏥 Healthcare

Automotive • Construction • Healthcare

Vault Credit Corporation is a Canadian private credit specialist and alternative lender that provides equipment leasing, business financing, consumer financing (including home-improvement loans), mortgages (residential, commercial, CMHC), automotive financing, and asset management solutions for institutional and accredited individual investors. The company manages lending end-to-end in-house—originating, adjudicating, funding, and servicing loans—leveraging data, technology and AI to deliver tailored financing and investment products across sectors such as agriculture, mining, healthcare, and construction. Vault positions itself as a partner for brokers and originators, offering fast approvals, flexible terms, and diversified private-credit funds aimed at stable, risk-adjusted returns and capital preservation.

📋 Description

• 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

• 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

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