Credit Risk Analyst (Debtor Credit)

Job Description

Credit Risk Analyst (Debtor Credit)

Net New

REV Capital is looking for a Credit Risk & Review Analyst to join our Credit team. Reporting to the Director of Credit and Underwriting, you will assess the creditworthiness of debtors (our clients' customers), review and decide daily credit tickets, and set and adjust debtor credit limits so our clients are funded quickly and safely.

About REV Capital:

REV Capital is the leading provider of full-service factoring services in Canada and the United States, with eight offices across North America! We support thousands of businesses with invoice management, credit underwriting, and collection services. By offering dedicated support and transparent access to the factoring process, we help our clients grow their operations, maintain their competitive edge, and become leaders in their industries.

When you join REV Capital, you are joining a growing team of over 100 professionals assisting clients with the success of their business each day! With a passion for helping others, a focus on diversity and inclusivity, and a flexible environment to grow both professionally and personally, there is no limit to where you can take your career. Ready to take the next step?

Responsibilities

Debtor Assessment and Credit Limits

• Assess debtor creditworthiness using internal data (AR aging and trends, payment history, DSO, dilution, disputes, limit utilization, and client concentration) and external sources (credit reports, liens, bankruptcy, and sanctions checks).
• Verify the operating authority of Canada and U.S. transportation debtors and identify risks.
• Set, increase, decrease, suspend, or cancel debtor credit limits within delegated authority and in line with the Debtor Credit Standard and the company's risk appetite.
• Prepare written recommendations with supporting evidence for limits above delegated authority and escalate them to the Credit Committee.

Daily Credit Tickets

• Review and decide daily debtor credit tickets, including the requests raised by Client Relationship Managers, the Data team, and clients.
• Prioritize funding-related tickets so decisions are made the same day, meeting service targets and wire cut-off times.
• Review new debtor profiles submitted, perform duplicate checks, and link to existing debtors or create new debtor records with all mandatory fields completed.
• Close each ticket with a clear decision (approval, conditional or temporary approval, or decline), documented rationale, and the decision sent to the client.
• Communicate declines, conditions, and temporary approvals to Client Relationship Managers, including any steps required from the client or debtor.

Review and Monitoring

• Review expiring and existing debtor limits, balances, aging spreads, and payment patterns, adjusting limits as credit quality changes.
• Act on early warning signals from Collections, Client Relationship Managers, and credit monitoring alerts, placing debtors on hold or no-buy status when warranted.
• Assist the Underwriting team by assessing the creditworthiness and concentration of debtors associated with new clients.
• Flag fraud indicators and suspicious debtor activity to Client Relationship Managers and Risk and Recovery team.
• Maintain accurate debtor records and track ticket volumes, turnaround times, and decision outcomes for reporting.
• Identify and escalate emerging risk issues to the Director of Credit and Underwriting, and other relevant stakeholders.
• Assist with ad hoc requests as needed.

Qualifications

• 2-6 years of experience in commercial credit, trade or debtor credit, credit analysis, or a related role.
• Post-secondary education in finance, business, or a related field, or equivalent experience.
• Ability to read and interpret commercial credit reports (such as D&B, Equifax, Credit Safe, or Ansonia) and financial statements.
• Solid understanding of B2B credit risk, credit limits, aging, and payment behavior.
• Sound judgment and the ability to make quick, well-documented decisions within delegated authority.
• Experience developing or maintaining credit reports, dashboards, and portfolio analysis.
• Strong attention to detail, with the discipline to follow established procedures under time pressure.
• Clear written communication for decision notes and stakeholder updates.
• Strong Excel skills; experience with factoring software is an asset.
• Experience in factoring, transportation, or freight brokerage is an asset.

What We Offer:

• Competitive compensation plan
• Employer matching RRSP program
• Flexible work schedule

• Opportunities for growth and development
• Excellent health, dental, and vision benefits plan

• Team outings and social events

Let your journey at REV Capital begin!