48 Loan Management jobs in Canada
System Analyst (Loan Management)
Posted today
Job Viewed
Job Description
Job Description
Join one of Canada’s fastest-growing companies and be part of something extraordinary – welcome to goeasy ! At goeasy, our people and culture are at the heart of everything we do, and we’re proud to be recognized for it. We’ve earned prestigious accolades such as Waterstone Canada’s Most Admired Corporate Cultures , Canada’s Top Growing Companies , and the TSX30 , highlighting us as one of the top performers on the TSX. We’re also honored to be named a Greater Toronto Top Employer and recognized by Great Place to Work® as having the Best Workplaces for Women , and having one of the Most Trusted Executive Teams , and included on TIME Magazine’s 2025 list of Canada’s Best Companies . These honors reflect our commitment to fostering an inclusive, high-performance culture where talent thrives and innovation drives us forward.
As one of Canada’s leading alternative consumer lenders, we’re passionate about helping everyday Canadians create a brighter future. Our vision is to provide a path to a better tomorrow, today. We offer a full range of products, including non-prime leasing, unsecured and secured loans, and point-of-sale financing through easyhome , easyfinancial , and LendCare .
If you're seeking an exciting, high-growth environment where your contributions truly matter, we want to hear from you! Join us, and together, let's create a future of financial empowerment.
We are seeking a Systems Analyst to join our Core Lending Platform team. This role plays a key part in designing scalable solutions, supporting development efforts, and ensuring system changes meet business, quality, and architectural standards. The ideal candidate is a critical thinker with hands-on experience in financial systems, strong database and programming knowledge, and excellent communication skills.
What will you be doing?
- Design system interfaces and solutions across loan management systems (LMS).
- Conduct code and design reviews to identify bugs and improve code quality.
- Provide design and system analysis for application development, data migrations, and new functionality.
- Collaborate with Business Analysts to create system requirement specifications and design artifacts.
- Work with onshore and offshore development teams to implement projects.
- Ensure compliance with design and corporate development standards.
- Partner with software architects and developers to resolve technical issues.
- Review test protocols and support QA and User Acceptance Testing (UAT).
- Identify risks and issues throughout the project lifecycle and implement mitigation strategies.
- Propose creative and scalable technology solutions.
- Participate in cross-functional meetings with technical and business stakeholders.
- Contribute to application roadmap development and promote technology best practices.
- Provide Level 2 / Level 3 technical support for business applications, including after-hours on-call support.
What experience do you have?
- Bachelor’s degree in Computer Science or a related field.
- Minimum 3+ years of experience as a Systems Analyst or in a similar role.
- Strong hands-on experience with SQL Server and proficiency in SQL / PLSQL.
- Solid understanding of SDLC and experience in application development (preferred).
- Experience troubleshooting within applications and resolving technical issues.
- Excellent analytical, problem-solving, and customer service skills.
- Strong communication skills with the ability to interact across all levels of the organization.
- Familiarity with Agile methodologies, including Jira and Confluence.
- Experience in Salesforce design and architecture is an asset.
- Knowledge of Service-Oriented Architecture (SOA) and technologies such as JavaScript and XML is preferred.
We offer a Flexible Work Program that provides you the ability to work three days onsite per week , from our Mississauga office.
Internal Applicants: please apply through the link and provide written endorsement from your current manager.
Why should you work for goeasy?
In keeping with our mission to create better tomorrows for our employees, each year goeasy commits to continuously enhancing its total rewards. Here are some of the perks we offer…
Financial Benefits:
- Leverage our RRSP match and Employee Share Purchase Plan programs.
- Annual bonus that rewards your hard work and dedication.
- Employee discounts on furniture, electronics, and appliances.
- MAT & PAT leave top-up.
- Expand your financial knowledge through engaging Financial Literacy Learning opportunities.
Health and Lifestyle:
- Enjoy company-paid volunteer days to give back to the community.
- Access 24/7 healthcare with Virtual Doctor Appointments.
- Personalize your benefits with a flexible modular benefits package.
- Stay fit and energized with exclusive access to our on-site private gym at our head office.
Employee Perks:
- Fuel your growth with the Tuition Assistance Program.
- Double the impact of your generosity with Company Matched Charitable Donations.
- Internal development training programs and platforms including job-specific training, career coaching, leadership excellence, mentorship, and many others.
- Enjoy a state-of-the-art office space with perks like a games room, a healthy snack program, a fitness studio, free gated parking, and more!
Diversity, Inclusion, and Equal Opportunity Employment :
At goeasy, we believe that we can only be the best when people are able to bring their best selves to work every day. goeasy is committed to an inclusive, equitable and accessible workplace. By learning from each other’s differences, we gain strength through our people and our perspectives. As an equal opportunity employer, we are committed to providing accommodations (including accessible meeting rooms, captioning for virtual interviews, etc.) to help us remove barriers so that you can participate throughout the interview process. Please let the talent acquisition team know if you require an accommodation during any aspect of the recruitment process and we will work with you to address your needs.
Additional Information:
All candidates considered for hire must successfully pass a criminal background check, credit check, and validation of their work experience to qualify for hire. We thank all interested applicants; however, we will only be contacting those for interview who possess the skills and qualifications outlined above.
Credit Analyst II
Posted today
Job Viewed
Job Description
Vancouver, British Columbia, Canada
**Hours:**
37.5
**Line of Business:**
Credit Management
**Pay Details:**
$76,800 - $115,200 CAD
TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs.
As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role.
**Job Description:**
Structure credit for assigned portfolios, with focus on assessing credit worthiness or risk of potential customers to drive profitable business growth while adhering to TD's credit risk policies. Accountable for underwriting new credit requests, completing annual credit reviews, coordinating (or managing) draw requests, along with responsibilities for monitoring and controlling credit facilities.
**CUSTOMER**
+ Support the Relationship Manager in booking new business by preparing competitive credit packages in the assigned business segment in a timely manner to meet customer needs
+ Continually deliver exceptional customer service at every interaction and execute on plans to continuously improve the customer experience
+ Lead all aspects of analysis for assigned portfolios
+ Utilize sales platform to build a robust understanding of our customers/ target needs, industries and markets
+ Constantly build knowledge of the market, customers and broader economic factors
+ Identify and respond to changes in the business environment, establishing action plans to address customer issues and priorities
+ Assist the Relationship Manager in cross-selling the full range of products to existing and new customers, as applicable to maximize revenue/profit and retention of relationships based on the risk profile of the customer ensuring appropriate credit is earned at all times
+ Actively refer to other business partners across TDBG and respond effectively to reciprocal referrals.
**SHAREHOLDER**
+ Assess credit risk in compliance with applicable internal and external requirements (e.g. financial controls, segregation of duties, risk policies transaction approvals and physical control of assets) to increase profitability and enable business growth
+ Proactively promote products, sales, services and banking capabilities
+ Contribute to Operational Excellence business objectives and identify, suggest and actively participate in process improvement opportunities
+ Complete business processes / procedures as well as monitoring and control activities in a timely and accurate manner
+ Protect the interests of the organization - identify and manage risks, and escalate non-standard, high risk transactions / activities as necessary
+ Actively manage relationships within and across various business lines/ corporate and/or control functions and ensure alignment with enterprise and/or regulatory requirements
+ Ensure necessary due diligence to support the accuracy of all customer transactions / activities
+ Keep abreast of emerging issues, trends, and evolving regulatory requirements and assess potential impacts
+ Assume responsibility to minimize operational and regulatory risk by complying with Bank and industry Code of Conduct
**EMPLOYEE / TEAM**
+ Participate fully as a member of the team, support a positive work environment that promotes service to the business, quality, innovation and teamwork and ensure timely communication of issues/ points of interest
+ Provide thought leadership and/ or industry knowledge for own area of expertise in own area and participate in knowledge transfer within the team and business unit
+ Keep current on emerging trends/ developments and grow knowledge of the business, related tools and techniques
+ Participate in personal performance management and development activities, including cross training within own team
+ Keep others informed and up to date about the status / progress of new requests and/or annual reviews and / or all relevant or useful information related to day-to-day activities
+ Contribute to team development of skills and capabilities through mentorship of others, by sharing knowledge and experiences and leveraging best practices.
+ Lead, motivate and develop relationships with internal and external business partners / stakeholders to develop productive working relationships.
+ Contribute to a fair, positive and equitable environment that supports a diverse workforce
**BREADTH & DEPTH**
+ Professional role requiring a depth of knowledge / expertise in own domain / field of specialty and working knowledge of broader related areas
+ Ensuring advice and solutions provided within own area of expertise align with the Enterprise strategic priorities, including risk appetite, customer experience
+ Applies best practices to implement process, product or service improvements
+ Acts as a subject matter expert within their own area of specialty or a resource for others
+ Contributes to setting standards within area of expertise
+ Solves problems requiring analysis of multiple variables, including consultation with multiple stakeholders
+ Interprets guidelines, standards, policies and results of analysis to inform decision making at senior levels
+ Builds stakeholder alignment when structuring credit requests
+ Work performed under moderate guidance and supervision from management
+ Identifies and leads problem resolution for complex issues at all levels
+ Generally, reports to the Senior Manager, Credit Management
**EXPERIENCE & EDUCATION**
+ Undergraduate degree and/or
+ 5+ years of relevant experience and/or Associate Program
***This posting has a preferred candidate***
**Who We Are:**
TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we deliver legendary customer experiences to over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues.
TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you've got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we're here to support you towards your goals. As an organization, we keep growing - and so will you.
**Our Total Rewards Package**
Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical, and mental well-being goals. Total Rewards at TD includes a base salary, variable compensation, and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off, banking benefits and discounts, career development, and reward and recognition programs. Learn more ( Information:**
We're delighted that you're considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we're committed to providing the support our colleagues need to thrive both at work and at home.
Please be advised that this job opportunity is subject to provincial regulation for employment purposes. It is imperative to acknowledge that each province or territory within the jurisdiction of Canada may have its own set of regulations, requirements.
**Colleague Development**
If you're interested in a specific career path or are looking to build certain skills, we want to help you succeed. You'll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD - and we're committed to helping you identify opportunities that support your goals.
**Training & Onboarding**
We will provide training and onboarding sessions to ensure that you've got everything you need to succeed in your new role.
**Interview Process**
We'll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call.
**Accommodation**
Your accessibility is important to us. Please let us know if you'd like accommodations (including accessible meeting rooms, captioning for virtual interviews, etc.) to help us remove barriers so that you can participate throughout the interview process.
We look forward to hearing from you!
**Language Requirement (Quebec only):**
Sans Objet
Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.
Senior Credit Analyst
Posted 6 days ago
Job Viewed
Job Description
Burnaby, British Columbia, Canada
**Hours:**
37.5
**Line of Business:**
Credit Management
**Pay Details:**
$91,200 - $136,800 CAD
TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs.
As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role.
**Job Description:**
Structure credit for assigned portfolios, with focus on assessing credit worthiness or risk of potential customers to drive profitable business growth while adhering to TD's credit risk policies. Based on industry knowledge, specialized credit acumen, and understanding of customer needs, Senior Credit Analysts are accountable for underwriting new credit requests, completing annual credit reviews, coordinating (or managing) draw requests, along with responsibilities for monitoring and controlling credit facilities.
**CUSTOMER**
+ Structure and package competitive credit solutions in a timely manner to meet customer needs jointly with the Relationship Manager
+ Continually deliver exceptional service at every interaction and execute on plans to continuously improve the customer experience
+ Lead all aspects of credit analysis for an assigned portfolio
+ Utilize sales platform to build a robust understanding of our customers/ target needs, industries and markets
+ Be an expert on market, industry and broader economic factors
+ Identify and respond to changes in the business environment, establishing action plans to address customer issues and priorities
+ Assist the Relationship Manager in cross-selling the full range of products to existing and new customers, as applicable, to maximize revenue/profit and retention of relationships based on the risk profile of the customer ensuring appropriate credit is earned at all times
+ Develop strong relationships with internal /external business partners and use these networks to provide specialized subject matter expertise and proactively manage customer relationships, including contributing to the identification and effective facilitation of reciprocal referrals
+ Actively refer to other business partners across TDBG and respond effectively to reciprocal referrals.
**SHAREHOLDER**
+ Assess complex credit risk in compliance with applicable internal and external requirements (e.g. financial controls, segregation of duties, transaction approvals and physical control of assets) to increase profitability and enable business growth
+ Develop / implement strategies to proactively promote products, sales, services and banking capabilities
+ Contribute to Operational Excellence business objectives and identify, suggest and actively participate in process improvement opportunities
+ Complete business processes / procedures as well as monitoring and control activities in a timely and accurate manner
+ Acquire and apply expertise in the role
+ Provide guidance, assistance and direction to others
+ Protect the interests of the organization - identify and manage risks, and escalate non-standard, high risk transactions / activities as necessary
+ Actively manage relationships within and across various business lines/ corporate and/or control functions and ensure alignment with enterprise and/or regulatory requirements
+ Ensure necessary due diligence to support the accuracy of all customer transactions / activities
+ Keep abreast of emerging issues, trends, and evolving regulatory requirements and assess potential impacts
+ Assume responsibility to minimize operational and regulatory risk by complying with Bank and industry Code of Conduct
**EMPLOYEE / TEAM**
+ Participate fully as a member of the team, support a positive work environment that promotes service to the business, quality, innovation and teamwork and ensure timely communication of issues/ points of interest
+ Provide thought leadership and/ or industry knowledge for own area of expertise in own area and participate in knowledge transfer within the team and business unit
+ Keep current on emerging trends/ developments and grow knowledge of the business, related tools and techniques
+ Participate in personal performance management and development activities, including cross training within own team
+ Keep others informed and up to date about the status / progress of new requests and/or annual reviews and / or all relevant or useful information related to day-to-day activities
+ Contribute to team development of skills and capabilities through mentorship of others, by sharing knowledge and experiences and leveraging best practices.
+ Lead, motivate and develop relationships with internal and external business partners / stakeholders to develop productive working relationships.
+ Contribute to a fair, positive and equitable environment that supports a diverse workforce
**BREADTH & DEPTH**
+ Expert level professional role requiring substantial knowledge / expertise in a complex field and knowledge of broader related areas
+ Ensuring advice and solutions provided within own area of expertise align with the Enterprise strategic priorities, including risk appetite, customer experience
+ Collaborate with cross-functional partners, acting as a subject matter expert in their field of specialty
+ Interprets internal/external business challenges and the industry environment, recommends course of action and best practices to improve products, processes or services
+ Independently manage end-to-end functional programs
+ Solves or may lead others to solve complex problems; leads efforts or partners with others to develop new solutions
+ Uses sophisticated analytical thought to exercise judgement and identify solutions
+ Work is guided by policies and industry standards/methods
+ Communicates difficult concepts; converts information to compelling business context and advice; influences and gains alignment across increasingly senior stakeholders
+ Works independently with minimal management guidance and supervisions
+ Generally, reports to the Senior Manager, Credit Management
**EXPERIENCE & EDUCATION**
+ Undergraduate degree and/or
+ 7+ years of relevant experience
**Who We Are:**
TD is one of the world's leading global financial institutions and is the fifth largest bank in North America by branches/stores. Every day, we deliver legendary customer experiences to over 27 million households and businesses in Canada, the United States and around the world. More than 95,000 TD colleagues bring their skills, talent, and creativity to the Bank, those we serve, and the economies we support. We are guided by our vision to Be the Better Bank and our purpose to enrich the lives of our customers, communities and colleagues.
TD is deeply committed to being a leader in customer experience, that is why we believe that all colleagues, no matter where they work, are customer facing. As we build our business and deliver on our strategy, we are innovating to enhance the customer experience and build capabilities to shape the future of banking. Whether you've got years of banking experience or are just starting your career in financial services, we can help you realize your potential. Through regular leadership and development conversations to mentorship and training programs, we're here to support you towards your goals. As an organization, we keep growing - and so will you.
**Our Total Rewards Package**
Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical, and mental well-being goals. Total Rewards at TD includes a base salary, variable compensation, and several other key plans such as health and well-being benefits, savings and retirement programs, paid time off, banking benefits and discounts, career development, and reward and recognition programs. Learn more ( Information:**
We're delighted that you're considering building a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we're committed to providing the support our colleagues need to thrive both at work and at home.
Please be advised that this job opportunity is subject to provincial regulation for employment purposes. It is imperative to acknowledge that each province or territory within the jurisdiction of Canada may have its own set of regulations, requirements.
**Colleague Development**
If you're interested in a specific career path or are looking to build certain skills, we want to help you succeed. You'll have regular career, development, and performance conversations with your manager, as well as access to an online learning platform and a variety of mentoring programs to help you unlock future opportunities. Whether you have a passion for helping customers and want to expand your experience, or you want to coach and inspire your colleagues, there are many different career paths within our organization at TD - and we're committed to helping you identify opportunities that support your goals.
**Training & Onboarding**
We will provide training and onboarding sessions to ensure that you've got everything you need to succeed in your new role.
**Interview Process**
We'll reach out to candidates of interest to schedule an interview. We do our best to communicate outcomes to all applicants by email or phone call.
**Accommodation**
Your accessibility is important to us. Please let us know if you'd like accommodations (including accessible meeting rooms, captioning for virtual interviews, etc.) to help us remove barriers so that you can participate throughout the interview process.
We look forward to hearing from you!
**Language Requirement (Quebec only):**
Sans Objet
Federal law prohibits job discrimination based on race, color, sex, sexual orientation, gender identity, national origin, religion, age, equal pay, disability and genetic information.
Associate Credit Analyst
Posted 9 days ago
Job Viewed
Job Description
About Valero Energy Inc.
Valero Energy Inc., with its Canadian head office in Montreal, is a subsidiary of Valero Energy Corporation, a Fortune 500 company. We are the leading distributor of petroleum products in Quebec, the Atlantic provinces and Ontario-and the world’s second-largest producer of renewable diesel fuel and ethanol. We stand out as the second-largest petroleum refiner in eastern Canada, thanks to our Jean-Gaulin Refinery in Lévis. We also possess numerous major logistical infrastructures, such as the Montreal East Terminal.
Our success? We owe it to our 10,000 employees who are committed to our values-including safety, environmental stewardship, teamwork, community engagement and operational excellence.
We consider our employees our most important asset and provide a wide variety of stimulating jobs for those seeking to grow professionally. Our salaries and benefits-along with our retirement savings plan, which ranks among Canada’s Top 5 in terms of employer contributions-are highly competitive. These are some of the reasons we are known as an employer of choice.
About the position
As an Associate Credit Analyst, you will be responsible for the daily credit operations on an assigned accounts receivable portfolio comprised of low to high-risk accounts with various credit limits in various supply markets throughout Canada.
Responsibilities
Gathers and analyzes financial information, credit reports, public debt ratings and other data,
Performs daily monitoring of credit exposure, recommending and implementing solutions to appropriately handle customers who exceed their established credit limits, cease operations, or are involved in litigation or bankruptcy,
Determines alternative sales methods if open credit cannot be approved, including negotiating collateral such as personal & corporate guarantees, bank standby and/or documentary letters of credit, bank guarantees,
Maintains customer relationships to facilitate collections,
Recommends customer credit limits within company guidelines for new and existing customers,
Prepares reports such as aging reports, customer exposure reports, accounts requiring a credit review report, or other credit-related reports,
Requests and communicates wording for incoming bank letters of credit, personal/corporate guarantees and other security documents,
Monitors security instruments such as guarantees, letters of credit and any form of security received from customers to ensure timely renewal and execution,
Engages with Internal and External customers to help resolve credit-related issues,
Negotiates credit terms in partnership with Marketing within the company’s credit policy,
Supports Marketing and Management by providing credit and customer account information as requested,
Reviews accounts receivable reports, collects, reconciles, analyzes payment habits of customers, and recommends action such as changes to the payment terms, credit limits, and/or security instruments,
Assist in the process of printing/distribution of checks,
Ensure compliance of assigned monthly and quarterly RCTS/Audit controls,
Confers with representatives of third-party partners to exchange information concerning credit,
Qualifications
University degree in Accounting or Finance,
1 - 2 years of accounting, finance, or related experience is preferred.,
Bilingual, oral and written English and French,
Intermediate skills using Microsoft Office programs,
Autonomy and sense of responsibility,
Good communication skills,
Ability to work in teams.
Ability to read and interpret financial statements,
Ability to multi-task and prioritize multiple assignments,
Valero Energy Inc. is governed by the Charter of the French Language. However, after taking all reasonable measures to avoid requiring knowledge of a language other than French, we have concluded that performing the tasks inherent to the advertised position truly requires knowledge of English, for the following reasons: the person in this role will be required to review documents and interact both orally and in writing with various stakeholders, such as colleagues, clients, suppliers, and English-speaking business partners.
When working at our Company, your benefits will include :
Full benefits package
Being employed by one of Canada’s Top 5 employers in contributions to the retirement savings plan
Annual bonus program
Reimbursement of training expenses program
Reimbursement of fitness activities program
Health and Wellness Program
Free access at all times to virtual healthcare
On-site access to a gym and fitness courses
Rewards program for service anniversaries
Summer schedule for eligible positions
Plus many more to discover!
Valero Energy is an employment equity employer. We encourage all those meeting the selection criteria to send us their application. It will be reviewed without consideration of statuses protected by law, including sexual orientation, gender identity, gender, minorities and individuals with disabilities.
Associate Credit Analyst
Posted 9 days ago
Job Viewed
Job Description
About Valero Energy Inc.
Valero Energy Inc., with its Canadian head office in Montreal, is a subsidiary of Valero Energy Corporation, a Fortune 500 company. We are the leading distributor of petroleum products in Quebec, the Atlantic provinces and Ontario-and the world’s second-largest producer of renewable diesel fuel and ethanol. We stand out as the second-largest petroleum refiner in eastern Canada, thanks to our Jean-Gaulin Refinery in Lévis. We also possess numerous major logistical infrastructures, such as the Montreal East Terminal.
Our success? We owe it to our 10,000 employees who are committed to our values-including safety, environmental stewardship, teamwork, community engagement and operational excellence.
We consider our employees our most important asset and provide a wide variety of stimulating jobs for those seeking to grow professionally. Our salaries and benefits-along with our retirement savings plan, which ranks among Canada’s Top 5 in terms of employer contributions-are highly competitive. These are some of the reasons we are known as an employer of choice.
About the position
As an Associate Credit Analyst, you will be responsible for the daily credit operations on an assigned accounts receivable portfolio comprised of low to high-risk accounts with various credit limits in various supply markets throughout Canada.
Responsibilities
Gathers and analyzes financial information, credit reports, public debt ratings and other data,
Performs daily monitoring of credit exposure, recommending and implementing solutions to appropriately handle customers who exceed their established credit limits, cease operations, or are involved in litigation or bankruptcy,
Determines alternative sales methods if open credit cannot be approved, including negotiating collateral such as personal & corporate guarantees, bank standby and/or documentary letters of credit, bank guarantees,
Maintains customer relationships to facilitate collections,
Recommends customer credit limits within company guidelines for new and existing customers,
Prepares reports such as aging reports, customer exposure reports, accounts requiring a credit review report, or other credit-related reports,
Requests and communicates wording for incoming bank letters of credit, personal/corporate guarantees and other security documents,
Monitors security instruments such as guarantees, letters of credit and any form of security received from customers to ensure timely renewal and execution,
Engages with Internal and External customers to help resolve credit-related issues,
Negotiates credit terms in partnership with Marketing within the company’s credit policy,
Supports Marketing and Management by providing credit and customer account information as requested,
Reviews accounts receivable reports, collects, reconciles, analyzes payment habits of customers, and recommends action such as changes to the payment terms, credit limits, and/or security instruments,
Assist in the process of printing/distribution of checks,
Ensure compliance of assigned monthly and quarterly RCTS/Audit controls,
Confers with representatives of third-party partners to exchange information concerning credit,
Qualifications
University degree in Accounting or Finance,
1 - 2 years of accounting, finance, or related experience is preferred.,
Bilingual, oral and written English and French,
Intermediate skills using Microsoft Office programs,
Autonomy and sense of responsibility,
Good communication skills,
Ability to work in teams.
Ability to read and interpret financial statements,
Ability to multi-task and prioritize multiple assignments,
Valero Energy Inc. is governed by the Charter of the French Language. However, after taking all reasonable measures to avoid requiring knowledge of a language other than French, we have concluded that performing the tasks inherent to the advertised position truly requires knowledge of English, for the following reasons: the person in this role will be required to review documents and interact both orally and in writing with various stakeholders, such as colleagues, clients, suppliers, and English-speaking business partners.
When working at our Company, your benefits will include :
Full benefits package
Being employed by one of Canada’s Top 5 employers in contributions to the retirement savings plan
Annual bonus program
Reimbursement of training expenses program
Reimbursement of fitness activities program
Health and Wellness Program
Free access at all times to virtual healthcare
On-site access to a gym and fitness courses
Rewards program for service anniversaries
Summer schedule for eligible positions
Plus many more to discover!
Valero Energy is an employment equity employer. We encourage all those meeting the selection criteria to send us their application. It will be reviewed without consideration of statuses protected by law, including sexual orientation, gender identity, gender, minorities and individuals with disabilities.
Associate Credit Analyst
Posted 9 days ago
Job Viewed
Job Description
About Valero Energy Inc.
Valero Energy Inc., with its Canadian head office in Montreal, is a subsidiary of Valero Energy Corporation, a Fortune 500 company. We are the leading distributor of petroleum products in Quebec, the Atlantic provinces and Ontario-and the world’s second-largest producer of renewable diesel fuel and ethanol. We stand out as the second-largest petroleum refiner in eastern Canada, thanks to our Jean-Gaulin Refinery in Lévis. We also possess numerous major logistical infrastructures, such as the Montreal East Terminal.
Our success? We owe it to our 10,000 employees who are committed to our values-including safety, environmental stewardship, teamwork, community engagement and operational excellence.
We consider our employees our most important asset and provide a wide variety of stimulating jobs for those seeking to grow professionally. Our salaries and benefits-along with our retirement savings plan, which ranks among Canada’s Top 5 in terms of employer contributions-are highly competitive. These are some of the reasons we are known as an employer of choice.
About the position
As an Associate Credit Analyst, you will be responsible for the daily credit operations on an assigned accounts receivable portfolio comprised of low to high-risk accounts with various credit limits in various supply markets throughout Canada.
Responsibilities
Gathers and analyzes financial information, credit reports, public debt ratings and other data,
Performs daily monitoring of credit exposure, recommending and implementing solutions to appropriately handle customers who exceed their established credit limits, cease operations, or are involved in litigation or bankruptcy,
Determines alternative sales methods if open credit cannot be approved, including negotiating collateral such as personal & corporate guarantees, bank standby and/or documentary letters of credit, bank guarantees,
Maintains customer relationships to facilitate collections,
Recommends customer credit limits within company guidelines for new and existing customers,
Prepares reports such as aging reports, customer exposure reports, accounts requiring a credit review report, or other credit-related reports,
Requests and communicates wording for incoming bank letters of credit, personal/corporate guarantees and other security documents,
Monitors security instruments such as guarantees, letters of credit and any form of security received from customers to ensure timely renewal and execution,
Engages with Internal and External customers to help resolve credit-related issues,
Negotiates credit terms in partnership with Marketing within the company’s credit policy,
Supports Marketing and Management by providing credit and customer account information as requested,
Reviews accounts receivable reports, collects, reconciles, analyzes payment habits of customers, and recommends action such as changes to the payment terms, credit limits, and/or security instruments,
Assist in the process of printing/distribution of checks,
Ensure compliance of assigned monthly and quarterly RCTS/Audit controls,
Confers with representatives of third-party partners to exchange information concerning credit,
Qualifications
University degree in Accounting or Finance,
1 - 2 years of accounting, finance, or related experience is preferred.,
Bilingual, oral and written English and French,
Intermediate skills using Microsoft Office programs,
Autonomy and sense of responsibility,
Good communication skills,
Ability to work in teams.
Ability to read and interpret financial statements,
Ability to multi-task and prioritize multiple assignments,
Valero Energy Inc. is governed by the Charter of the French Language. However, after taking all reasonable measures to avoid requiring knowledge of a language other than French, we have concluded that performing the tasks inherent to the advertised position truly requires knowledge of English, for the following reasons: the person in this role will be required to review documents and interact both orally and in writing with various stakeholders, such as colleagues, clients, suppliers, and English-speaking business partners.
When working at our Company, your benefits will include :
Full benefits package
Being employed by one of Canada’s Top 5 employers in contributions to the retirement savings plan
Annual bonus program
Reimbursement of training expenses program
Reimbursement of fitness activities program
Health and Wellness Program
Free access at all times to virtual healthcare
On-site access to a gym and fitness courses
Rewards program for service anniversaries
Summer schedule for eligible positions
Plus many more to discover!
Valero Energy is an employment equity employer. We encourage all those meeting the selection criteria to send us their application. It will be reviewed without consideration of statuses protected by law, including sexual orientation, gender identity, gender, minorities and individuals with disabilities.
Associate Credit Analyst
Posted 1 day ago
Job Viewed
Job Description
About Valero Energy Inc.
Valero Energy Inc., with its Canadian head office in Montreal, is a subsidiary of Valero Energy Corporation, a Fortune 500 company. We are the leading distributor of petroleum products in Quebec, the Atlantic provinces and Ontario-and the world’s second-largest producer of renewable diesel fuel and ethanol. We stand out as the second-largest petroleum refiner in eastern Canada, thanks to our Jean-Gaulin Refinery in Lévis. We also possess numerous major logistical infrastructures, such as the Montreal East Terminal.
Our success? We owe it to our 10,000 employees who are committed to our values-including safety, environmental stewardship, teamwork, community engagement and operational excellence.
We consider our employees our most important asset and provide a wide variety of stimulating jobs for those seeking to grow professionally. Our salaries and benefits-along with our retirement savings plan, which ranks among Canada’s Top 5 in terms of employer contributions-are highly competitive. These are some of the reasons we are known as an employer of choice.
About the position
As an Associate Credit Analyst, you will be responsible for the daily credit operations on an assigned accounts receivable portfolio comprised of low to high-risk accounts with various credit limits in various supply markets throughout Canada.
Responsibilities
Gathers and analyzes financial information, credit reports, public debt ratings and other data,
Performs daily monitoring of credit exposure, recommending and implementing solutions to appropriately handle customers who exceed their established credit limits, cease operations, or are involved in litigation or bankruptcy,
Determines alternative sales methods if open credit cannot be approved, including negotiating collateral such as personal & corporate guarantees, bank standby and/or documentary letters of credit, bank guarantees,
Maintains customer relationships to facilitate collections,
Recommends customer credit limits within company guidelines for new and existing customers,
Prepares reports such as aging reports, customer exposure reports, accounts requiring a credit review report, or other credit-related reports,
Requests and communicates wording for incoming bank letters of credit, personal/corporate guarantees and other security documents,
Monitors security instruments such as guarantees, letters of credit and any form of security received from customers to ensure timely renewal and execution,
Engages with Internal and External customers to help resolve credit-related issues,
Negotiates credit terms in partnership with Marketing within the company’s credit policy,
Supports Marketing and Management by providing credit and customer account information as requested,
Reviews accounts receivable reports, collects, reconciles, analyzes payment habits of customers, and recommends action such as changes to the payment terms, credit limits, and/or security instruments,
Assist in the process of printing/distribution of checks,
Ensure compliance of assigned monthly and quarterly RCTS/Audit controls,
Confers with representatives of third-party partners to exchange information concerning credit,
Qualifications University degree in Accounting or Finance,
1 - 2 years of accounting, finance, or related experience is preferred.,
Bilingual, oral and written English and French,
Intermediate skills using Microsoft Office programs,
Autonomy and sense of responsibility,
Good communication skills,
Ability to work in teams.
Ability to read and interpret financial statements,
Ability to multi-task and prioritize multiple assignments,
Valero Energy Inc. is governed by the Charter of the French Language. However, after taking all reasonable measures to avoid requiring knowledge of a language other than French, we have concluded that performing the tasks inherent to the advertised position truly requires knowledge of English, for the following reasons: the person in this role will be required to review documents and interact both orally and in writing with various stakeholders, such as colleagues, clients, suppliers, and English-speaking business partners.
When working at our Company, your benefits will include :
Full benefits package
Being employed by one of Canada’s Top 5 employers in contributions to the retirement savings plan
Annual bonus program
Reimbursement of training expenses program
Reimbursement of fitness activities program
Health and Wellness Program
Free access at all times to virtual healthcare
On-site access to a gym and fitness courses
Rewards program for service anniversaries
Summer schedule for eligible positions
Plus many more to discover!
Valero Energy is an employment equity employer. We encourage all those meeting the selection criteria to send us their application. It will be reviewed without consideration of statuses protected by law, including sexual orientation, gender identity, gender, minorities and individuals with disabilities.
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Bilingual Sr. Credit Analyst
Posted 2 days ago
Job Viewed
Job Description
Essential functions include providing independent credit analysis and making credit decisions within assigned authority for new and existing client risk relationships while ensuring compliance with internal guidelines and policies.
In addition, this role will be leading the development of KYC screening process for new and existing clients ensuring compliance with all applicable regulatory requirements
**KEY ACCOUNTABILITIES**
**Operations & BPI**
· Work on identifying areas for process improvements along with developing, maintaining and implementing process solutions for the Credit Risk team
· Monitor client base for changes in predictive risk scores; identify trends that may impact ADP negatively.
**Case Resolution**
· Ensure all case management and documentation is accurate and in accordance with preset SLAs. Review and oversight on use of current ADP CRM Tool.
· Assist in the management of entire credit lifecycle of clients
· Lead in delivering and performing historical trend and ratio analysis, assesses cash flow, industry risks and any other risk factors to provide risk assessments and recommended actions
· Assist on escalations from Sales, Banking, Implementation and Service Delivery; provide directions while ensuring compliance with ADP Canada Credit Risk Policy and Risk Matrix Business Initiatives.
**Relationship Management**
· Interact with Senior Sales Leaders, District Managers and Sales Representatives to gather information relative to a customer being analyzed including communication of credit decisions
·
**Risk Management**
· Establish Funding terms and Risk Tiers for all new and existing clients
· Perform enhanced due diligence reviews as it pertains to KYC/AML regulatory requirements for all clients
· Help develop a credit pre-screening matrix for new client sales orders to identify any credit concerns prior to implementation
· Monitor client base for changes in predictive risk scores; identify trends that may impact ADP negatively.
**QUALIFICATIONS:**
+ 2 + years working experience in a Credit Risk environment
+ Solid understanding of Credit & Risk Assessment
+ Superior knowledge and experience in analyzing financial statements
+ KYC/AML experience within Financial Services industry
**A little about ADP:** We are a comprehensive global provider of cloud-based human capital management (HCM) solutions that unite HR, payroll, talent, time, tax and benefits administration and a leader in business outsourcing services, analytics, and compliance expertise. We believe our people make all the difference in cultivating a down-to-earth culture that embraces our core values, welcomes ideas, encourages innovation, and values belonging. We've received recognition for our work by many esteemed organizations, learn more at ADP Awards and Recognition ( .
**Diversity, Equity, Inclusion & Equal Employment Opportunity at ADP:** ADP is committed to an inclusive, diverse and equitable workplace, and is further committed to providing equal employment opportunities regardless of any protected characteristic including: race, color, genetic information, creed, national origin, religion, sex, affectional or sexual orientation, gender identity or expression, lawful alien status, ancestry, age, marital status, protected veteran status or disability. Hiring decisions are based upon ADP's operating needs, and applicant merit including, but not limited to, qualifications, experience, ability, availability, cooperation, and job performance.
**Ethics at ADP:** ADP has a long, proud history of conducting business with the highest ethical standards and full compliance with all applicable laws. We also expect our people to uphold our values with the highest level of integrity and behave in a manner that fosters an honest and respectful workplace. Click to learn more about ADP's culture and our full set of values.
Bilingual Sr. Credit Analyst
Posted 2 days ago
Job Viewed
Job Description
Essential functions include providing independent credit analysis and making credit decisions within assigned authority for new and existing client risk relationships while ensuring compliance with internal guidelines and policies.
In addition, this role will be leading the development of KYC screening process for new and existing clients ensuring compliance with all applicable regulatory requirements
**KEY ACCOUNTABILITIES**
**Operations & BPI**
· Work on identifying areas for process improvements along with developing, maintaining and implementing process solutions for the Credit Risk team
· Monitor client base for changes in predictive risk scores; identify trends that may impact ADP negatively.
**Case Resolution**
· Ensure all case management and documentation is accurate and in accordance with preset SLAs. Review and oversight on use of current ADP CRM Tool.
· Assist in the management of entire credit lifecycle of clients
· Lead in delivering and performing historical trend and ratio analysis, assesses cash flow, industry risks and any other risk factors to provide risk assessments and recommended actions
· Assist on escalations from Sales, Banking, Implementation and Service Delivery; provide directions while ensuring compliance with ADP Canada Credit Risk Policy and Risk Matrix Business Initiatives.
**Relationship Management**
· Interact with Senior Sales Leaders, District Managers and Sales Representatives to gather information relative to a customer being analyzed including communication of credit decisions
·
**Risk Management**
· Establish Funding terms and Risk Tiers for all new and existing clients
· Perform enhanced due diligence reviews as it pertains to KYC/AML regulatory requirements for all clients
· Help develop a credit pre-screening matrix for new client sales orders to identify any credit concerns prior to implementation
· Monitor client base for changes in predictive risk scores; identify trends that may impact ADP negatively.
**QUALIFICATIONS:**
+ 2 + years working experience in a Credit Risk environment
+ Solid understanding of Credit & Risk Assessment
+ Superior knowledge and experience in analyzing financial statements
+ KYC/AML experience within Financial Services industry
**A little about ADP:** We are a comprehensive global provider of cloud-based human capital management (HCM) solutions that unite HR, payroll, talent, time, tax and benefits administration and a leader in business outsourcing services, analytics, and compliance expertise. We believe our people make all the difference in cultivating a down-to-earth culture that embraces our core values, welcomes ideas, encourages innovation, and values belonging. We've received recognition for our work by many esteemed organizations, learn more at ADP Awards and Recognition ( .
**Diversity, Equity, Inclusion & Equal Employment Opportunity at ADP:** ADP is committed to an inclusive, diverse and equitable workplace, and is further committed to providing equal employment opportunities regardless of any protected characteristic including: race, color, genetic information, creed, national origin, religion, sex, affectional or sexual orientation, gender identity or expression, lawful alien status, ancestry, age, marital status, protected veteran status or disability. Hiring decisions are based upon ADP's operating needs, and applicant merit including, but not limited to, qualifications, experience, ability, availability, cooperation, and job performance.
**Ethics at ADP:** ADP has a long, proud history of conducting business with the highest ethical standards and full compliance with all applicable laws. We also expect our people to uphold our values with the highest level of integrity and behave in a manner that fosters an honest and respectful workplace. Click to learn more about ADP's culture and our full set of values.