Impress employers and recruiters.
Choose from hundreds of resume examples.

Target Resume Now

Tailor your resume to this Credit Operations Specialist role.

Rezi rewrites your resume against Meridian OneCap Credit Corp.'s job description. Free.

Resume score gauge reading 58 out of 100

Don't guess if your resume is good enough.

See how it scores against the Credit Operations Specialist posting at Meridian OneCap Credit Corp. — free, in seconds.

About the Role

Meridian OneCap Credit Corp is a leading equipment and finance company providing a broad range of financial services to businesses throughout Canada. As a Senior Credit Specialist, you will play an integral role in supporting business development efforts, ensuring credit onboarding requirements align with company policies and regulations, and maintaining the credit document control process. You will also partner with other teams to assess and document business needs, recommend solutions to improve credit processes, and support transformation initiatives.

Responsibilities

Lead the credit onboarding process for new programs, products, and complex transactions.
Ensure appropriate credit documentation, approval structures, controls, and processes are in place for the equipment finance transaction lifecycle.
Coordinate activities and approvals from Legal, Credit, Finance, Sales, and Operations.
Create workflows and implementation plans as required.
Ensure credit onboarding requirements align with MOCC policies and applicable regulations.
Maintain an updated inventory of standard credit forms and work with Legal and Risk on updates.
Ensure transactional credit documents use approved forms.
Finalize credit-related agreements, transactional documents, templates, and approval conditions with Risk and legal counsel.
Support vendor, broker, and syndication partner onboarding by coordinating credit requirements and recommendations.
Communicate between Sales and Credit as needed.
Assess, analyze, and document business needs, recommending solutions to improve credit processes.
Identify operational inefficiencies, analyze credit workflows, and recommend data-driven solutions.
Conduct end-to-end analysis of credit operations workflows to identify inefficiencies, control gaps, and improvement opportunities.
Define and document current-state and future-state credit processes, decision points, hand-offs, and service expectations.
Promote and enable change management efforts within Credit Operations.
Act as a Subject Matter Expert for assigned credit processes and system initiatives.
Translate credit business needs, policy requirements, and process controls into functional specifications for Technology and project teams.
Develop and complete UAT scripts, coordinate testing, document defects, create training materials, and support successful implementation.
Maintain and develop reference guides, procedures, training materials, and other tools.
Maintain and update Credit Operations policies, procedures, workflow documentation, and change records.
Assist in managing regulatory, policy, and technology changes and their implications for Credit Operations.
Prepare Vendor, Broker, and Syndication partner status reporting.
Translate approved credit policy, risk appetite, adjudication criteria, and business needs into documented functional requirements and decision rules.
Coordinate UAT activities for new decision rules, scorecards, thresholds, and credit system enhancements.
Support configuration, validation, and implementation following approved testing and sign-off.
Evaluate credit processes and documentation considering risk management, compliance, and control implications.
Engage enterprise risk and operational risk owners as appropriate.
Evaluate and test new products, programs, decision rules, and changes before implementation.
Support monitoring and reporting of credit process exceptions, overrides, control gaps, and remediation actions.
Monitor automated decision outcomes, manual referral volumes, exceptions, overrides, and rule performance.
Prepare analysis for management review.
Maintain decision engine rulebooks, test scripts, change logs, approvals, process guides, and supporting governance documentation.
Coordinate with IT and external vendors to resolve defects, clarify requirements, and implement approved enhancements.

Requirements

Minimum 5 years of experience in Commercial Credit underwriting in an equipment finance environment.
Relevant post-secondary education with an emphasis on business and finance.
Experience in underwriting mid credit requests in segmented industries including construction, transportation, materials handling, and others.
Ability to review, assess, analyze and spread financial statements.
Ability to identify financial risks and make/provide sound and timely credit decisions/recommendations.
Superior risk assessment skills.
Strong understanding of commercial business structures.
Sound knowledge of the equipment finance industry.
Sound understanding of retail commercial lending security documentation, including collection/work out techniques and remedies.
Superior credit skills.
Working knowledge of commercial credit, lease/loan and inventory/floorplan finance products within the framework of the Personal Property Security Act (PPSA) and Quebec Civil Code.
Thorough knowledge of commercial account operating procedures and banking services.
Ability and experience in assessing commercial and consumer credit bureaus, PPSA search results and name verification records.
Must be able to work in a team and/or independently.
Demonstrates being highly organized, analytical and logical.
Experience in spreading financial statements in Moody’s MFA (CreditLens) and utilizing TValue.
Computer literacy required, e.g. MS Office, Spreadsheet, Outlook, etc.
Must possess effective communication skills, both written and oral in the administration of credit, complex lease/loan documentation and security provision requirements.
Comfort learning and adopting new digital tools, with an openness to using AI-enabled technology to enhance productivity, accuracy, and the Member experience.

Skills

Credit onboarding
Credit documentation
Workflow creation
Implementation planning
Regulatory compliance
Credit document control
Risk assessment
Commercial business structures
Equipment finance
Commercial lending security documentation
Collection techniques
Work out techniques
Commercial credit
Lease/loan finance
Inventory/floorplan finance
PPSA
Quebec Civil Code
Commercial account operating procedures
Banking services
Credit bureau assessment
PPSA search results
Name verification
Teamwork
Independent work
Organization
Analytical skills
Logical thinking
Financial statement spreading
Moody's MFA (CreditLens)
TValue
MS Office
Spreadsheet software
Outlook
Floorplan financing
Dealer wholesale floorplan business risk
Written communication
Oral communication
Lease/loan documentation
Security agreements
Security provision
AI-enabled technology
Critical Thinking
Data Driven
Curiosity
Flexibility
Change management
Low/no code tools (e.g., Microsoft Power Platform)
Generative AI productivity tools (e.g., Microsoft Copilot)

Location

Toronto
Montreal

Work Type

Hybrid

Experience Level

Senior

Education Level

Post-secondary education with an emphasis on business and finance

Salary/Compensations

CAD $68,800-103,000

Benefits

Inclusive and collaborative working environment
Tools and technology to delight candidates and clients
Opportunity to work with and learn from diverse industry leaders
Hybrid work arrangements
In-person office time to collaborate, innovate and build relationships
Work hard and have fun environment

About the Company

Meridian OneCap Credit Corp is an equipment and finance company providing a broad range of financial services to businesses throughout Canada.
Our parent, Meridian Credit Union, has over 70 years of banking history and is Ontario’s largest credit union.
Meridian OneCap is a provider of asset financing in the form of capital leases.
We are committed to being the best provider of specialized equipment financing services to strategic vendors across Canada.
Our service-oriented culture and exceptional group of professionals serves to provide our strategic partners with value-added service and constructive solutions.
Meridian OneCap Credit Corp provides customized leasing solutions both to help companies sell equipment and to companies that have chosen to lease equipment, rather than buy.
For manufacturers and vendors, we enable you to provide your customers with a value-added service that helps your customers acquire equipment efficiently and gives your company a competitive edge.
For the end user, we can help you to preserve working capital in your business, while benefiting now from the use of the equipment.
Our team is known as industry leaders.
We’ve earned our reputation through consistent delivery of financing programs with the most efficient transaction process and superior customer service.
With the largest direct sales force within the Canadian market, it’s no wonder our customer service is unparalleled.
At Meridian OneCap, we’re not just adapting to the future—we’re shaping it.
We see talent as a catalyst for sustainable growth, community impact, and future-readiness.
As the financial landscape evolves, we’re looking for team members who bring embedding & leveraging technology, critical thinking, data driven insights, curiosity & flexibility.

Equal Opportunity

Meridian OneCap is committed to promoting an inclusive, accessible environment, where all employees and customers feel valued, respected and supported.
We are dedicated to employing a workforce that reflects the diversity of our communities and Members in which we live and serve.
Qualified applicants will receive consideration without regard to race, color, religion, sex, national origin, age, sexual orientation, gender identity, gender expression, or disability.