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 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
The Documentation Specialist is responsible for the generation and auditing of all leasing documentation to ensure compliance is met from the initial documentation request to acquiring all posting funding requirements. This position requires the candidate to be versatile in a fast-paced environment and have the ability to easily execute the multi aspects of all administrative duties shared across the documentation and customer service departments. The Documentation Specialist will report directly to the president and the position will be based in Calgary, Alberta.
Review leasing instructions and required leasing documentation for accuracy, enforceability, regulatory and policy compliance.
Responsible for accurately generating leasing documentation, documentation and funding audits, funding, booking, leasing amendments and file maintenance of leases in a timely and efficient manner, within required error limits.
Communicate with internal and external sales staff/clients to respond to inquiries, resolve problems, minor discrepancies, and obtain additional documentation requirements needed to complete the lease file in a timely manner.
Adhere to all applicable laws and regulations governing leasing operations and documentation, ensuring compliance with Stride’s policies and procedures.
Ability to work directly with sales staff, customer service, portfolio management and clients.
Highly developed proficiencies in the Microsoft Office Suite of products
Capable of retrieving of data, with the ability to adapt to and learn new products and technologies quickly.
Experience in interpreting key financial information and assessing the potential impact on the lender and borrower and interpreting credit approvals and summaries.
Effective analytical and research skills, with excellent attention to detail and a strong focus on accuracy.
Detail oriented with strong organizational, problem-solving, data review and time management skills; with the ability to manage multiple assignments, and reporting requests
Ensuring that priorities are set, with the ability to meet multiple and sometimes competing deadlines.
Ability to work effectively under pressure, calmly and confidently with a “can-do” attitude.
BA/BS in Business Administration or Finance
Heavy equipment, transportation, energy services or construction equipment familiarity
Working knowledge of financial services leasing systems and documentation applications.
3-5 years of directly related experience