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About the Role

Corpay is seeking a Credit Analyst for Funds and Corporate within the Credit division. This hybrid role involves underwriting institutional fund clients and corporate credit analysis, assessing diverse client segments, and ensuring adherence to underwriting standards and risk policies. The position requires collaboration with various departments including Sales, Compliance, Legal, Finance, Treasury, and Operations, reporting directly to the Head of Group Credit.

Responsibilities

Performing underwriting for Fund (FI) clients and corporate clients across multiple jurisdictions.
Assessing and analyzing financial statements, fund structures, management quality, and other credit factors to determine overall risk and creditworthiness.
Preparing well-reasoned credit recommendations and, where authorized, approve credit within assigned limits.
Ensuring all underwriting decisions comply with internal underwriting guidelines, regulatory expectations, and risk policies.
Monitoring existing portfolios to ensure ongoing compliance and identify emerging risks.
Conducting portfolio analyses to identify concentration risks, performance trends, and credit deterioration.
Developing and recommending remediation plans for higher-risk exposures.
Preparing clear, comprehensive credit memos, portfolio reviews, and presentations for senior management.
Working closely with Sales, Compliance, Legal, Operations, IT, Treasury, and Finance to ensure seamless deal execution and alignment with risk objectives.
Supporting Credit Manager with risk-related decisions, exceptions, and complex deal structures.
Staying current on industry trends, market conditions, regulatory developments, and macroeconomic events impacting credit risk.
Recommending improvements to underwriting processes, tools, and best practices to enhance risk assessment quality and operational efficiency.

Requirements

Minimum of 2+ years of experience with a Bachelor’s degree in Finance, Economics, Accounting, or Business Administration.
Proven experience in underwriting and credit risk management, ideally covering both Funds (FI) and corporate clients.
Experience with regulatory compliance in underwriting and a strong understanding of legal and compliance considerations related to Fund structures.
Highly detail-oriented with strong organizational abilities and the capacity to work under pressure.

Skills

Financial analysis
Critical thinking
Decision-making
Written communication
Verbal communication
Foreign Exchange (FX) or financial markets experience is a significant advantage.
Professional designations such as CFA, CA, or FRM are strong assets.

Location

Toronto, Canada

Work Type

Hybrid

Experience Level

2+ years of experience

Education Level

Bachelor’s degree in Finance, Economics, Accounting, or Business Administration
Master’s preferred

Benefits

Comprehensive Benefits Package including Medical, Dental, Vision and Paramedical benefits, as of day one
Optional company match RRSP program
Virtual fitness classes offered company-wide
Time-off including major holidays, vacation, sick, personal, & volunteer time
Discounted gym membership rate
Philanthropic support with both local and national organizations
Fun culture with company-wide contests and prizes

About the Company

Corpay is a global technology organization leading the future of commercial payments with a culture of innovation.
Our specialized payment solutions help businesses control, simplify, and secure payment for fuel, general payables, toll and lodging expenses.
Millions of people in over 80 countries around the world use our solutions for their payments.
Corpay is committed to fostering an inclusive and respectful workplace where employees are valued for their diverse perspectives, experiences, and contributions.
We believe that diversity, equity, and inclusion strengthen our teams, drive innovation, and support our continued success globally.

Equal Opportunity

Corpay is committed to providing equal employment opportunities to all applicants and employees.
Employment decisions are made without regard to race, color, religion, sex (including pregnancy), gender, gender identity or expression, sexual orientation, national origin, ancestry, age, disability, marital status, genetic information, military or veteran status, or any other characteristic protected by applicable law.
Corpay is committed to fostering an inclusive workplace where individuals are respected and valued for their diverse perspectives, experiences, and contributions.
If you require reasonable accommodation during any part of the application or interview process, please notify a representative of the Human Resources Department.