Bilingual Credit Analyst
Role Overview
The Credit Analyst reports to the Director of the Credit Department.
The role evaluates automotive financing applications, supports timely and sound decisions, prevents fraud, ensures regulatory compliance, and supports dealership partners.
Key Skills for This Role
Full Job Posting
About Iceberg Finance
Iceberg Finance is an automotive financing fintech company that expanded through its 2022 acquisition of iFinance Canada.
The company aims to rank among Canada's top three specialized and alternative lenders.
Position Summary
The Credit Analyst reports to the Director of the Credit Department.
The role evaluates automotive financing applications, supports timely and sound decisions, prevents fraud, ensures regulatory compliance, and supports dealership partners.
Key Responsibilities
- Analyze applications, including identity, income, employment stability, credit history, debts, debt-to-income ratios, and repayment capacity.
- Assess vehicle collateral, including value, loan-to-value, mileage, model year, condition, and accident history.
- Identify fraud indicators and apply credit risk policies, thresholds, pricing, advance limits, down payments, and guarantee requirements.
- Recommend deal structures, including loan terms, down payments, co-borrowers, and ancillary products.
- Work with dealership finance teams to complete files, accelerate approvals, and improve funding ratios.
- Document decisions and participate in post-funding verifications and quality audits.
Skills and Qualifications
- Experience in financing, administration, or a related field.
- Bilingual in 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 such as Outlook, Teams, Word, and Excel.
- Ability to collaborate in a fast-paced environment and meet tight deadlines.
- Strong written and verbal communication skills.
Schedule and Workplace
- Full-time position scheduled for 40 hours per week.
- On-site schedule, Monday to Friday.
Benefits
- Group health and dental benefits begin on the first day.
- Employer contribution to an RRSP.
- On-site parking is available.
- Three weeks of vacation, with additional time off offered.
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