Credit Review Analyst

About us:

Spring Financial is revolutionizing financial access for Canadians, providing smart credit-building, mortgage, and lending solutions. As one of Canada’s fastest-growing fintech companies, annually we help 1 million customers explore their financing options with ease—online, via text, or over the phone. Our dynamic, innovative team thrives on collaboration, growth, and making a real impact.
To learn more about our products please visit our website here: www.springfinancial.ca.

We’re looking for a Credit Review Analyst to strengthen the quality and consistency of our underwriting decisions. This position focuses on reviewing loan applications that have been sent back for re-evaluation or require exception handling; ensuring accuracy, compliance, and sound judgment before final approval.

You’ll work closely with the Underwriting & Personal Loans teams within the organization to identify recurring issues, recommend process improvements, and contribute to a culture of high-quality decision-making.

NOTE: This is a full-time, permanent, on-site position in downtown Vancouver.

What You’ll Be Doing:

• Review returned or complex credit applications to confirm completeness, accuracy, and compliance with internal policies.
• Conduct secondary analysis on declined, referred, or conditionally approved applications.
• Identify gaps or errors in original underwriting decisions and provide recommendations for resolution.
• Maintain detailed documentation of review outcomes and recommendations.
• Support quality control audits and assist in improving underwriting standards and efficiency.
• Communicate trends, recurring issues, or training needs to the Underwriting Manager.
• Collaborate with Sales, Funding, and QA teams to resolve escalated or one-off application cases.

What You Should Already Have:

• 1–3 years of experience in credit analysis, underwriting, or loan processing (preferably in consumer or fintech lending).
• Sound understanding of credit principles, financial ratios, and lending compliance standards.
• Strong analytical, documentation, and communication skills.
• High attention to detail and ability to handle exceptions or incomplete data.
• Proficiency in CRM and lending systems; advanced Excel or Google Sheets skills preferred.

What We Will Give You: 

• Competitive annual salary ranging from $45,000 to $60,000, reflective of experience and impact.
• Comprehensive benefits package, including extended health, dental, and vision coverage — with 100% of monthly premiums covered by the Spring.
• Transit-Friendly Employer (Transit allowance).
• A modern, collaborative workspace in the heart of downtown Vancouver.
• Ongoing career growth opportunities.

This is a truly exciting time to join Spring Financial and we are looking forward to doing great things together!

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Please note: Upon applying, our Talent Acquisition team will review your resume. If you qualify, we will reach out to learn more about your experience and answer any questions you may have about the role, benefits, compensation, and more. Due to high application volume, we may not be able to respond to everyone.

Thank you for your interest! We appreciate your time and look forward to reviewing your application!