Credit Risk Analyst

• Evaluate and analyze financial statements, credit reports, and other pertinent information to assess the risk of complex accounts.
• Conduct in-depth assessments of clients' creditworthiness and financial stability.
• Ensure all underwriting activities comply with PPSA and UCC regulations.
• Draft, review, and prepare financing statements and other relevant documents under PPSA and UCC guidelines.
• Underwrite and review new client applications to establish their acceptability as investments for the Company.
• Negotiate client terms and conditions while ensuring adherence to REV Capital policies and guidelines.
• Evaluate portfolios nearing maturity to determine their continued suitability as investments.
• Prepare and submit renewal applications for approval.
• Negotiate repayment or revised terms and conditions for unacceptable portfolios.
• Review cost consultant reports and prepare funding requests.
• Underwrite new and renewal business submissions, ensuring proper risk selection, endorsements, and pricing within underwriting authority.
• Establish and maintain effective relationships with brokers and generate opportunities.
• Attend and actively engage in client meetings, prepare well-researched questions, and communicate effectively with clients.
• Generate detailed reports on underwriting activities, risk assessments, and portfolio performance for senior management.
• Collaborate with Sales to understand client needs and offer tailored underwriting solutions.
• Work with Legal and Compliance to ensure processes adhere to regulatory standards.
• Assist in developing and executing long- and short-term underwriting strategic plans.
• Perform file audits of individual risks for compliance with company guidelines and conditions.
• Stay informed about changes, trends, news, and legal developments.
• Assist with ad hoc requests as needed.

• Bachelor’s degree in finance, Economics, Business Administration, or a related field.
• 4–7 years of B2B credit underwriting or credit risk experience, preferably in financial services, factoring, commercial lending, or a related industry.
• Strong experience analyzing financial statements, credit reports, and other financial information to assess creditworthiness and risk.
• Experience using commercial credit reporting agencies such as D&B and Equifax.
• Strong understanding of credit analysis, underwriting principles, and risk assessment methodologies.
• Experience underwriting new and renewal B2B business, including evaluating risk and recommending appropriate terms and conditions.
• Knowledge of PPSA and UCC regulations is an asset.
• Strong analytical, quantitative, communication, negotiation, and decision-making skills, with the ability to communicate effectively with clients and internal stakeholders.
• Proficiency in Microsoft Office, particularly Excel, and the ability to work independently in a fast-paced, dynamic environment.
• Experience in factoring, transportation, fraud analysis, or asset-based lending is nice to have.

Demonstrates expertise in credit analysis, underwriting principles, and risk assessment methodologies, with a strong ability to evaluate financial statements and credit reports. Proficient in negotiating terms and conditions while ensuring compliance with PPSA and UCC regulations.

• Credit Underwriting
• Financial Statement Analysis
• PPSA and UCC Compliance
• Risk Assessment Methodologies
• Negotiation Skills

• Credit Analysis
• Underwriting Principles
• Risk Assessment
• Financial Reporting
• B2B Credit Underwriting
• Portfolio Evaluation
• Cost Consultant Review
• Renewal Application Preparation
• File Audits
• Quantitative Analysis

• Communication Skills
• Decision-Making Skills
• Negotiation Skills
• Relationship Management
• Analytical Skills

• Financial Services
• Factoring
• Commercial Lending
• Credit Risk
• Asset-Based Lending
• Transportation
• Fraud Analysis

• Microsoft Office
• Excel
• D&B
• Equifax