Vlookup and concatenate

Hello All,
I hope this message finds you all well.
I must admit I'm in a little over my head here. What I trying to accomplish is to combine a Vlookup and concatenate function. On sheet 1 I have two inputs - company code and credit account. These two values need to be used as my lookup_value in my Vlookup function. On sheet 2, I need to find the rating (column "I").
Could someone help me here?

I know I could add a column to Sheet 2 and concatenate the credit account and company code and then use Vlookup. However, I would like to not have to do that. All help and suggestions are welcomed!

Thanks!