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About the Role
Review and adjudicate vehicle loan applications by assessing an applicant’s creditworthiness based on credit history, income and employment, and collateral valuation. Ensure loan applications are assessed accurately and timely in a fast-paced environment. Closely follow credit policy rules to ensure risk parameters are consistently followed. Thrive in a customer service focused and teamwork setting, collaborating with Sales, Income, Funding, and Dealer partners. Execute detailed document review ensuring accuracy, completeness, and proper execution of all assigned documents. Provide prompt, efficient, and detailed customer-oriented service to all stakeholders.
Responsibilities
- Review and adjudicate vehicle loan applications
- Assess an applicant’s creditworthiness based on credit history, income and employment, and collateral valuation
- Ensure loan applications are assessed accurately and timely
- Follow credit policy rules to ensure risk parameters are consistently followed
- Collaborate with other departments in Sales, Income, Funding and with Dealer partners
- Execute detailed document review ensuring all assigned documents are accurate, complete, properly executed, and registered as required
- Provide prompt, efficient, detailed customer-oriented service to all stakeholders
Requirements
- Ability to follow detailed credit policy guidelines
- Ability to carefully review credit application and credit bureau report details
- Thrive in a fast-paced environment with strong attention to detail
- Tech-savvy with proficiency in Microsoft Office Suite and Outlook
- Available to work all shifts mentioned in the job description
- At least 1 year of prior experience as a credit analyst or experience in loan underwriting
- Experience in a financial institution or within the auto industry
- Previous experience working with loan origination software
- Post-secondary education in Finance or Business Administration
- Hours of operation are between 8 AM to 10 PM EST from Monday to Friday and on Saturday from 9 AM to 8 PM EST
Skills
- Credit analysis
- Loan underwriting
- Financial institution operations
- Auto industry knowledge
- Loan origination software
- Microsoft Office Suite
- Outlook
- Attention to detail
- Customer service
Location
- London
- Montreal
Work Type
- Hybrid
- Full time
- Permanent
Experience Level
- 1 year of prior experience as a credit analyst or experience in loan underwriting
Education Level
- Post-secondary education in Finance or Business Administration
Salary/Compensations
- Competitive base salary plus an annual incentive bonus tied to performance
Benefits
- Robust health and dental coverage through Manulife
- Virtual healthcare through Dialogue
- Group Retirement Savings Plan with up to 7% employer match
- Discounts from top retailers via WorkPerks
- Location-based perks like gym memberships and Toronto Bike Share
- Gym access at our London and Montreal offices
- Education Assistance Program
- Fairstone Academy for training and skill development
- Parental leave top-up program
About the Company
- Fairstone Bank and its family of brands deliver innovative, accessible, and reliable financial solutions.
- The brand family includes Home Trust Company, Home Bank, Oaken Financial, Fairstone, EdenPark, and Fig.
- Together, they are the leading alternative lending bank in Canada.
- Offer a diverse suite of products including mortgages, consumer deposits, GICs, credit cards, retail and automobile financing, personal loans, and digital lending.
- Eden Park Inc. is a dynamic automobile finance brand committed to enabling dealer partners to sell more cars.
- EdenPark has serviced a wide network of automobile dealers and tens of thousands of consumers since 2012.
Equal Opportunity
- Fairstone is an equal opportunity employer.
- Will make reasonable accommodations to respond to the needs of people with disabilities.
- Individuals who view themselves as Aboriginals, members of visible minorities, and disabled are encouraged to apply in confidence.