About The OpportunityOur 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 fullyAbout The OpportunityOur 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 fullyREMOTErole 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 quicklyUnderwrite working capital requests from start to finish, assessing each business owner's track record, repayment capacity and overall financial standingApprove transactions within your delegated limit and write transparent, well-reasoned credit memos for files that need a higher level of approvalSpread business financial statements and tax returns, and work through bank statements, cash flow reports, key ratios and trends to build an accurate risk profilePartner with originators and sales support on how deals should be structured, including pricing, conditions, security and covenantsPull together commercial and personal credit bureau information to complete the picture on every fileUphold internal lending policies and procedures across all files you touchPresent recommendations to, and collaborate with,



the senior leadership teamHelp manage portfolio risk, including reviewing accounts that fall behind to understand why and recommend a path forwardTake the lead on flagging process gaps and bringing forward practical improvementsKeep a pulse on the lending landscape and economic trends affecting small and mid-sized businessesSupport special projects and other requests as they ariseAbout YouAt least 1 year of commercial credit underwriting and risk experience with a bank, alternative lender or other financial services organizationA degree or diploma in business, finance, commerce or a related fieldStrong knowledge of how businesses are structured and the financing tools available to themHands-on experience with financial statement, bank statement and cash flow analysis, along with an understanding of commercial security documents and collection/workout optionsClear, concise credit writing that gets to the heart of a dealThe ability to identify and quantify less obvious risks and focus the conversation on what really drives themSharp judgment, a collaborative approach and strong written and verbal communication skillsProficiency in Microsoft Office (especially Excel) and the organization to manage a full pipeline and hit deadlines in a busy settingAbout the JobThe salary band for this opportunity is $65,000 to $75,000 depending on relevant previous experience. This role is Remote but the candidate must be located and eligible to work in Canada.Working hours are 11:30am to 8pm PST (2:30pm to 11pm EST).#J-18808-Ljbffr

📌 Auto Finance Credit Analyst – Western Canada - Remote (Winnipeg)
🏢 Hyundai Capital Canada
📍 Winnipeg