About The Opportunity
Our client, a fast-growing alternative lender that provides mortgage, leasing and working capital solutions to small and mid-sized businesses, is adding an intermediate Credit Analyst to its Working Capital team. This is a role with genuine sign-off authority: you'll approve files within your own limit, prepare the recommendation on larger deals headed to senior credit, and help shape how risk is managed across the book. The culture is entrepreneurial, collaborative and free of red tape, so good ideas get acted on quickly
Duties include but are not limited to:
- Underwrite working capital requests from start to finish, assessing each business owner's track record, repayment capacity and overall financial standing
- Approve transactions within your delegated limit and write clear, well-reasoned credit memos for files that need a higher level of approval
- Spread business financial statements and tax returns, and work through bank statements, cash flow reports, key ratios and trends to build an accurate risk profile
- Partner with originators and sales support on how deals should be structured, including pricing, conditions, security and covenants
- Pull together commercial and personal credit bureau information to complete the picture on every file
- Uphold internal lending policies and procedures across all files you touch
- Present recommendations to, and collaborate with, the senior leadership team
- Help manage portfolio risk, including reviewing accounts that fall behind to understand why and recommend a path forward
- Take the lead on flagging process gaps and bringing forward practical improvements
- Keep a pulse on the lending landscape and economic trends affecting small and mid-sized businesses
- Support special projects and other requests as they arise
About You
The successful candidate will have the following:
- At least 3 years of commercial credit underwriting and risk experience with a bank, alternative lender or other financial services organization
- A degree or diploma in business, finance, commerce or a related field
- Strong knowledge of how businesses are structured and the financing tools available to them
- Hands-on experience with financial statement, bank statement and cash flow analysis, along with an understanding of commercial security documents and collection/workout options
- Clear, concise credit writing that gets to the heart of a deal
- The ability to identify and quantify less obvious risks and focus the conversation on what really drives them
- Sharp judgment, a collaborative approach and strong written and verbal communication skills
- Proficiency in Microsoft Office (especially Excel) and the organization to manage a full pipeline and hit deadlines in a busy setting
About the Job
The salary band for this opportunity is $65,000 to $80,000 depending on relevant previous experience. This role offers hybrid work flexibility and is located in the North York, ON region.
How To Apply
Please apply by clicking the “Apply Now” button below and follow the instructions to submit your résumé. You can also apply by submitting your résumé directly to amcdougall@lrostaffing.com. If you are already registered with us, please contact your Senior Recruiter. Please quote job
19514.
LRO Staffing values fairness, confidentiality, and human judgment in every stage of our hiring process. We do not use automated or AI-driven screening tools to assess applications. Each submission is reviewed by an experienced recruiter to ensure a thoughtful and equitable evaluation of every candidate.
Thank you for your interest in this role. One of our Recruiters will be in touch with you if your profile meets the requirements for the role and the expectations of our clients. Please note that all candidates must be permitted to work in Canada to be considered for this opportunity.
