Credit Analyst

Our Toronto-based client, an auto finance company is in need of a Credit Analyst to be responsible for the credit application procedures, underwriting and approval of loans. The successful candidate should demonstrate strong attention to detail and analytical skills, as well as experience in auto/personal loans and mortgages.

Responsibilities:
• Evaluates financial and other customer information to approve or deny credit requests
• Review, analyze and process credit applications
• Perform investigations on credits applications as required (pulls bureaus, fraud alerts, etc.)
• Effectively communicates final credit decisions to dealers, others
• Manage and complete load adjudication process and underwrite loans according to company policies
• Document reasoning for all loan decisions
• Identify loans for exceptions while ensuring proper procedures are followed for approval and documentation *
• Maintain knowledge of lending requirements, internal policies and procedures, and compliance and regulatory requirements

Qualifications:
• Minimum 3+ years’ experience in underwriting, specifically for subprime or prime auto loans, mortgages or personal loans
• University/College degree preferred
• Strong computer proficiency in MS Office (Word, Excel, PowerPoint, etc.), Loan Origination Software (Defi)
• Keen eye for detail
• Able to work on a rotating shift 9AM-5PM, 11AM-7PM, 1PM-9PM

Compensation:
• Salary: $42-50K commensurate with experience
• Vacation: 2 weeks
• Medical & Dental Benefits

We thank all those who apply however, only applicants chosen for an interview will be contacted. Candidates must be legally eligible to work in Canada without sponsorship. Please send applications to [email protected] and quote job ref #GAFCRAT160624.