Working Capital Team - Credit Analyst I

Vault is a non-bank private lending company offering a wide array of financial services such as mortgage, leasing and working capital lending products. Vault has a devoted team of experts with years of experience in both financial services and real estate. We are dedicated to delivering products and services that meet the diverse needs of our borrowers, quicker and easier than traditional sources! We have a fast-paced, fun, progressive, and friendly work environment. The company is currently experiencing growth (which comes with incredible opportunity) that can be attributed to the “work hard, play hard” and “have fun while you work” values of the organization. This is a company with no politics or red tape, you want to get something done, you will have the latitude and opportunity to run with it, giving you the chance to take ownership of your results with no ceiling of what you can accomplish. Role – Working Capital Team - Credit Analyst II : The successful candidate will be responsible for making credit decisions within his or her authorized credit limit, as well as well preparing detailed credit analysis including recommendations on transactions exceeding the Analyst's credit limit for decisions to be made at higher authority levels. Constantly striving for efficiencies and assisting risk management within the portfolio is also a key component of this role. Key Performance Objectives : An integral part of the origination process. Responsible for performing underwriting analysis of Borrower’s character, creditworthiness and financial condition. Provide direction and leadership on transactions to origination and sales support members, on structure, terms, conditions security and covenant recommendations. Conduct research, financial and statistical analysis to determine and support the clients' creditworthiness while minimizing risk exposure. Provide recommendations or justification for the credit decision. With a strong understanding of bank statement analysis, cash flow reports, financial ratios, trends, etc., successfully spread and analyze business financial statements and/or tax returns. Sound knowledge of credit scores reported on commercial credit bureaus and consumer credit bureaus. Ensure compliance with corporate credit policies and procedures. Interact with senior leadership team. Proactively identify areas requiring process improvements and take ownership for proposing creative solutions. Conduct analyses to determine causes and cures for delinquency. Understand market changes and remain relevant knowledge of industry issues. Completes ad hoc requests as needed. Qualifications : Minimum 3 years’ experience in Business Credit underwriting and risk management in a financial services environment, combined with relevant post-secondary education with an emphasis on business and finance. Working hours will be from 11 :30 AM to 8:00 PM PST . Strong understanding of commercial business structures.…