Job Description

Competition closes: Monday December 11th, 2023, 4:00 pm.

Salary: 48,403 to 79,653 (based on experience)

Status: Full Time, In person. Office hours are 8:30 to 5:00 Monday to Friday

Stride Capital is a Western Canadian based equipment financing and leasing provider that blends modern finance products with a common sense lending model. Stride Capital is part of the Servus Credit Union team and is growing!

The Credit Analyst is responsible for the processing and analysis of credit applications for leases to customers for the acquisition of industrial equipment, as submitted by our Stride Account Managers, vendors, FI\xe2\x80\x99s and Brokers. Customer financing requests are reviewed for accurate and complete information and processed to ensure timely and comprehensive credit review and underwriting with the highest level of customer service and professionalism. The Credit Analyst will report to the President and the ideal candidate is in Calgary, AB.

Requirements

• Review all credit requests.
• Work with Brokers and FI\xe2\x80\x99s to process credit applications directly.
• With assistance of Account Managers gather all required credit information including applications, credit bureaus, corporate name and verification, trade reference and financial statements for the purpose of establishing a credit profile sufficient to make an informed credit decision.
• Prepare all credit file packages to a level that reflects the sophistication of the credit requested.
• Develop and utilize financial statement analysis skills to spread financial statements and prepare written comments highlighting important aspects of the financial statements
• Approve credit decisions within approved authorities.
• On credit decisions in excess of approved sign off level seek second sign off signature from appropriate authority.
• Maintain open communication with Account Managers, Funding Partners, Documentation and Customer Service.
• Establish and maintain resources and methodology to effectively establish and analyze current equipment values.
• Assists in the development and implementation of procedures to minimize risk and improve underwriting quality \xc2\xb7 Maintain a constant and proactive vigilance for credit fraud. \xc2\xb7 Responsible for data input and integrity of Aspire and Lease Plus data as it relates to Credit\xe2\x80\x99s role.

Education/Experience Requirements:

• BA/BS degree in Business Administration, Finance preferred;
• 5+ years\xe2\x80\x99 combined experience in one or more of the following areas: loan or lease underwriting, portfolio asset management or formal credit/risk management coursework /training preferred
• Familiarity of financial statements and experience preparing written summaries of key information. Financial statement analysis includes: ratio analysis, review of industry norms, trending, and cash flow analysis. Experience interpreting key financial information and assessing the potential impact to the borrower is necessary
• Heavy equipment, transportation, energy services, agriculture or construction equipment experience is a benefit
• Proven organizational skills with the ability to prioritize work and effectively work on multiple tasks in a fast paced, demanding environment
• Demonstrated high level of integrity, energy, and quality focus while providing a positive customer experience with ability to work within a team environment.
• Understands industrial equipment including truck, trailer, construction, forestry, manufacturing and agricultural equipment collateral. Analyzes collateral position and completes Aspire software to outline collateral exposure on transactions

Benefits

By creating a healthy and inclusive work environment and providing employees with the tools and supports they need, we help our employees achieve their potential. Servus is committed to providing a great place to work, and we invest in our employees!

Here are some of the benefits that our employees love:

• Financial benefits available immediately (reduced Loan and Credit Card rates, etc)
• Matched Retirement Savings program (Servus matches what you contribute)
• Annual flexible spending account to purchase additional health or personal wellness items
• More than Alberta standard vacation time to start and vacation purchase program for those years when you need more time off
• Incentive pay program
• Full package of health and wellness benefits

As Servus, our employees are also members. This means you\'ll have all the benefits of being a member of the credit union including profit sharing, voting for the board of directors, and all of the services we provide \xe2\x80\xa6 with a few additional perks!

Imagine working for an organization that values diversity and inclusivity, and where everyone collaborates for your success. If you want to join a team of community leaders passionate about making an impact, apply now!

Servus Credit Union