Merchant underwriting drives this Credit Risk Analyst role at Helcim, where Calgary-based hybrid work combines financial review, judgment, and explicit communication.

You will assess businesses before and throughout their relationship with Helcim, reviewing financial statements, credit reports, and corporate registrations. Your decisions cover credit alongside compliance, regulatory, fraud, financial, and operational risk. You will also communicate terms and outcomes to business owners while working with a four-person risk team.

Key Responsibilities:

- Review merchant financial statements, credit reports, and registrations
- Monitor portfolio trends through scheduled and rolling underwriting
- Gather documents and clarify financial information with owners




- Structure credit terms that let merchants grow
- Identify complex cases and provide risk-tool feedback

Requirements:

- Two or more years in commercial credit, underwriting, or portfolio management
- Skill reading statements and understanding business models
- Ability to decide when research should end
- Empathy when explaining declined or deferred credit
- Strong work ethic and comfort learning continuously

Bring merchant underwriting experience, financial statement analysis, and empathetic decision-making to Helcim's Calgary credit risk team.

📌 Merchant Underwriting Risk Analyst (Calgary)
🏢 Helcim
📍 Calgary