Stride Capital is a Western Canadian based equipment financing and leasing provider that blends modern finance products with a common sense lending model. As a direct lender, you will be part of a growing team of dedicated professionals working in an entrepreneurial environment.
The Accountant will provide support to the accounting team by assisting in the day to day financial activities of the company including managing a wide range of functions such as accounts payable, accounts receivable and financial reconciliations. This position requires outstanding communication and organizational skills, superior attention to detail, effective time management and a positive attitude. This is a full-time, permanent position based in Calgary, Alberta.
Process accounts payable invoices via cheque and EFT
Calculate and record monthly distributions to investors and initiate payments
Reconcile company credit card and expense reports
Prepare weekly bank reconciliations
Prepare and record bank deposits
Process and record PAP’s (preauthorized payments) and record customer charge backs
Prepare intercompany reconciliations
Process lease bookings
Process early payouts/terminations on leases
Process lease amendments
Calculate commissions to originators
Assist in completing month end procedures and reporting requirements (reconcile accounts/print reports)
Assist in lease securitization process with external facilities
File GST/PST returns
Maintain policies and procedures manual relevant to current duties
Maintain filing system for all accounting documents
Post secondary education in Accounting or equivalent experience
Proficiency in Microsoft Office, Excel, and experience with Microsoft Dynamics Great
Plains is preferred
Strong work ethic and attention to detail
Ability to prioritize and multi-task with multiple deadlines
Strong verbal and written communication skills
Exposure within a lending environment (banking and/or leasing) is an asset
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’s 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, although we are open to a remote work environment for the right candidate.
Review all credit requests.
Work with Brokers and FI’s 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
Maintain a constant and proactive vigilance for credit fraud.
Responsible for data input and integrity of Aspire and Lease Plus data as it relates to Credit’s role.
BA/BS degree in Business Administration, Finance preferred;
5+ years’ 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 and agricultural equipment collateral. Analyzes collateral position and completes Aspire software to outline collateral exposure on transactions.
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
