Bilingual Credit Analyst

Key Responsibilities

• Analyze submitted applications, including identity, income, employment stability, credit history, outstanding debts, debt-to-income ratios, and repayment capacity.
• Assess vehicle collateral: market value, loan-to-value (LTV), mileage, model year, wear and tear, and accident history reports.
• Identify fraud indicators (document inconsistencies, falsified pay stubs, address discrepancies, contract manipulation, straw buyers, etc.).
• Apply risk policies: approval thresholds, pricing matrices based on credit score and term, maximum advances, down payments, and guarantees.
• Recommend deal structures: loan term, down payment, co-borrower, ancillary products, etc.
• Communicate with dealership partners (F&I teams) to clarify and complete files, accelerate approval cycles, and improve funding ratios.
• Document decisions (notes, justifications, supporting documents) and participate in post-funding reviews (verifications and quality audits).
• Skills and Qualifications
• Experience in financing, administration, or a related field.
• Bilingual: English and French.
• 2 to 5+ years of experience in consumer credit; automotive finance experience is an asset.
• Exceptional attention to detail and strong verification rigor.
• Proficiency with computer tools (Outlook, Teams, Word, Excel, etc.).
• Ability to work collaboratively in a fast-paced environment and meet tight deadlines.
• Strong written and verbal communication skills.
• Terms and Benefits
• Full-time position, 40 hours per week
• On-site schedule: Monday to Friday
• Comprehensive group benefits plan starting on day one, including health and dental insurance
• Employer contribution to an RRSP
• Stimulating and collaborative work environment within a fast-growing company
• On-site parking available
• 3 weeks of vacation, with additional time off offered