Apply now »

At Coast Capital, we’re not dreaming about a better future, we’re building one.

As a member-owned cooperative, we’re helping our members with their real goals and real challenges so they can live the real life they want. It’s what we’ve been doing for over 80 years, and it’s why today we stand almost 600,000 members strong. Plus, we invest 10% of our budgeted profits back into our community – almost $90 million since 2000 alone – because when our members do well, we believe our communities should do well too.  

Equipment Underwriter/Credit Analyst

Location: Toronto, Vancouver 

Job Type: Full Time 

myWork Options: Remote


What's the job?
As the Equipment Underwriter/Credit Analyst, you play a crucial role in analyzing and underwriting Equipment credit submissions from the Coast Capital Auto, Equipment & Finance (CCAEF) Origination Team and External Third Party Agents. As a primary resource for CCAEF origination partners, you will guide credit risk assessment and deal structure within CCAEF guidelines. As an Equipment Underwriter/Credit Analyst, you are accountable for only providing application recommendations for approval on qualifying applications while exercising good judgment in balancing risk with corporate production goals on applications of $1mm +. 


What you'll get to do:

  • Conduct financial analysis and prepare credit applications to assess borrower, industry and facility risk, complete with risk mitigation proposals and a clear rationale for the recommended structure. Financial analysis is focused on applications in the owner-operator category.
  • Provide coaching, training and mentorship to peers, encouraging and providing cross-sharing of knowledge and on-the-job experience among team members and between teams.
  • Manage the relationship-building process with the CCAEF Origination Team and External Third Party Agents to ensure a consistent and high level of service delivery.
  • Work with the origination team and external third-party agents to ensure EASY Values, Superior member experience and seek innovative ways to meet customers' credit needs and ensure positive customer experience while still applying sound credit decisions within the CCAEF credit appetite.
  • Develop a collaborative working relationship with CCAEF Credit and Group Risk Management to understand and consistently apply CCAEF credit policies and guidelines.
  • Remain current on industry trends and the latest market frauds to mitigate CCS risk when reviewing and underwriting credit.
  • Monitors risk and pricing trends in equipment applications to make recommendations for changes to policy and/or guidelines to ensure balanced production, risk, and profitability.
  • Ensure compliance with Corporate Lending Policies, CCAEF Credit Policies, Procedures, Guidelines and all regulatory and compliance requirements.
  • Shares in the responsibility for the quality of the lending book of business.
  • As part of the underwriting process, responsible for reviewing and assessing all documentation and calculations for accuracy and authenticity, including updating LOS application notes and file repository to reflect supporting documentation received.
  • Identifies and investigates early warning signals and takes appropriate action.
  • Reviews files to ensure the adequacy of risk return.
  • Communicate clearly to ensure clear contract fulfillment instructions are sent promptly to all appropriate personnel and/or External Third Parties Agents.
  • Assists with oversight and monitoring control for the Equipment portfolio, including customer adherence to lending requirements such as covenant and annual reviews.
  • Work closely with the CCAEF Origination Team and External Third Party Agents to coach on deal structure and restructuring as necessary while maintaining good risk practices.
  • Communicate decisions within defined service-level agreements.
  • Manage/support the LOS origination queue.


Who are we looking for?

  • Minimum 1 – 3 Years of Job-Related Experience
  • Bachelor's Degree (3 - 4 years of full-time study) in Finance, Accounting, business administration, Commerce or equivalent.
  • Knowledge of commercial credit analysis, negotiation, security and legal procedure, including advanced knowledge of regulatory and statutory provisions related to equipment financing.accounting principles / International Financial Reporting Standards.
  • Ability to work with and communicate with law firms and other professionals regarding asset/security valuations and documentation.
  • Applicable length of experience in credit adjudication across multiple industries and asset classes.
  • Ability to effectively multi-task and prioritize tasks using good organizational skills and high attention to detail.
  • Willingness to work on a team in a busy, ever-changing, and occasionally stressful environment.
  • Expert interpersonal skills and a demonstrated ability to communicate respectfully and effectively in both oral and written form to internal and external partners.
  • Highly curious with the ability to critically and precisely assess and develop options to support CCAEF Origination Team and External Third Party Agents.
  • Comprehensive knowledge of lending standards and guidelines.


Equity, Diversity & Inclusion at Coast Capital

Don’t meet every single requirement? At Coast Capital, we believe everyone has potential. We are committed to building better, brighter, more inclusive futures for everyone – including our employees. We see the potential in our employees to achieve amazing things and want to invest in your future. If you’re excited about this career opportunity and your experience may not perfectly align with every qualification in this job posting, we still encourage you to apply. You may be just the right candidate for this or other opportunities at Coast Capital.


At Coast Capital, we are committed to equity, diversity and inclusion. We strongly encourage applications from Indigenous Peoples, Black, and racialized persons, persons with disabilities, people of diverse sexual and gender identities and women. We value applicants who have demonstrated a commitment to equity, diversity and inclusion and recognize that diverse perspectives, experiences and expertise benefit of our employees, our members, and our community.


We strive to provide an accessible candidate experience for our candidates with different abilities. If you require any accommodations, please contact We will work with you to meet your needs.  

Why join Coast Capital?

Purpose is our North Star.  We look at everything through our purpose. It informs the advice we provide our members, the experiences and products we create, and the programs we build to support our employees and communities.

Committed to inclusion and engagement. We have an ongoing focus on equity, diversity, and inclusion and routinely track how we’re doing, and what we need to do to keep improving. We foster a culture where everyone can feel safe to be who they really are and thrive.

A career that grows with you. We believe in developing our people and promoting from within. Many employees have spent decades, and sometimes their entire careers, with Coast Capital and have progressed from the frontlines to senior leadership.

Work where you’re most effective. In 2020 the world changed, and that includes how we work. In response to COVID-19 we launched myWork, which gives employees flexibility in where they work based on the nature of their role.

Benefits that flex to the needs of you and your family.  We offer comprehensive, customizable benefits for you and your family, so you can choose what fits best for you and your lifestyle.

Retirement options. We also take care of our employees once they retire. That’s why we offer the choice of a defined contribution or defined benefit pension plan or RSP’s.

Mortgage and auto financing benefits. Employees save thousands on their mortgages and auto loans with best-in-category benefits.

Real recognition. We recognize excellence throughout the year, through an online community that lets employees give kudos and thanks throughout the year.  We’re human, which means we like to have fun with events, celebrations, and recognition throughout the year.

An award winning culture. We’re a Platinum member of Canada’s Best Managed Companies and are regularly recognized by Canada’s Most Admired Corporate Cultures and the BC Top Employers Awards.

We reinvest 10% back into the community. When we do well, our communities do well. That’s why since 2000 we’ve invested over $90 million into our member’s communities. 

Double your impact. Through our employee volunteer program, Coast Capital donates $10 for every hour you volunteer to a Canadian charity or non-profit of your choice.

Apply now »