- 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.

Requirements

- 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.
- Solid 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.

Core Competencies

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.

Highest-signal resume keywords

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

ATS Optimization Keywords

Hard Skills

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

Soft Skills

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

Industry Keywords

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

Tools & Technologies

- Microsoft Office
- Excel
- D&B;
- Equifax

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📌 Credit Risk Analyst (Vaughan)
🏢 Jobtailor
📍 Vaughan