Vault is a non-bank private lending company offering a wide array of financial services such as equipment leasing, and other lending products. This is a company with no politics or red tape: if you want to get something done, you will have the latitude and chance to run with it, giving you the chance to take ownership of your results with no ceiling on what you can accomplish. Vault is looking for a detail-oriented Credit Analyst with 2–3 years of experience to support our Equipment Leasing and Working Capital portfolios. Working within the operations team, you will be the first line of defence on every new deal: entering and analyzing credit applications received from our broker network and the Working Capital department, (delivered through our online proprietary system or manually), validating the information provided, and identifying fraud indicators before files advance. You will thrive in a high-volume environment, work within tight SLAs, and take pride in clean, accurate data. Input and analyze submitted credit applications, ensuring all mandatory information is complete and accurate, including equipment description if applicable and NICS codes. Identify and elevate fraud risk by connecting the dots between the application, the intended use of the equipment, the business and guarantor addresses, review of the vendor; Review commercial and consumer credit bureaus to validate applicant identity and credit information; follow up with customers by phone to verify information whenever there is a bureau alert or with brokers if there is a gap in the file. Review corporate profiles to confirm active status, legal name, and ownership details.



General overall review of information provided for compliance, validity and consistency and raise alert on any concerns Maintain the accuracy and integrity of data submitted
- check for duplicate customer records; merge files and maintain clean, consistent data entry. Upload and review financial statements and bank statements, checking for gaps and signs of tampering or alteration. Meet tight SLAs while managing a high volume of applications; Prepare complete, well-documented files and clear notes for credit decisioning, escalating exceptions and concerns to senior underwriters and management. Ensure compliance with corporate credit policies, procedures and fraud-prevention protocols. Proactively identify process improvements and emerging fraud trends and share them with the team. 2–3 years of experience in credit analysis, underwriting, or credit/fraud operations in a financial services environment, preferably in equipment leasing, commercial finance, or working capital/small business lending. ~ Post-secondary education in business, finance, or a related field (or equivalent experience). ~ Working knowledge of commercial and consumer credit bureaus (e.g., Equifax, TransUnion, Dun & Bradstreet) and the ability to interpret credit reports and alerts. ~ Strong technical

skills:
comfortable learning proprietary software, with proficiency in Microsoft Office (Excel, Word, Outlook) and online corporate registry and verification tools. ~ Clear, professional verbal and written communication skills, including confidence in contacting customers by phone to verify information. ~ Thank you for your interest in Vault Credit Corp. We are committed to providing accommodations for people with disabilities.

📌 Computer Support Specialist Legal (Toronto)
🏢 Vault Credit
📍 Toronto