161 Senior Credit jobs in Canada

Job Description

Job Description

Why DUCA?

We’re a vibrant, exciting credit union that lives its "profits with a purpose" philosophy in every financial transaction, product, interest rate, and community initiative we offer. Founded in 1954, DUCA has grown from a single branch credit union in Toronto to 19 branches across Southern Ontario with over 85,000 Members we are proud to serve.

We exist to help People, Businesses and Communities Do More, Be More, and Achieve More™ .

DUCA ( is distinguished for the following:

• Positive, un-big bank like service experience delivered through Member-facing staff in branch, on the phone (Member-Connect) and via our Mobile mortgage specialists, Wealth Management advisors and Commercial and Business Banking Account Managers.
• Competitive rates.
• Personalized financial solutions, guidance, and service with the lowest possible fees for both Personal and Business Members.
• Profit sharing among Members.
• Multiple ways to bank—online, mobile app, phone/full-service Member Connect Contact Centre, and, of course, in-branch—DUCA is accessible 24/7
• A community philosophy of “profits with a purpose” culminating in the creation of the DUCA Impact Lab ( a charitable foundation committed to helping the credit challenged and underbanked. This led to DUCA's designation as a B-Corp certified organization, the first ever credit union to receive this global recognition.

A career with DUCA means you’ll find endless opportunities to make a difference with your unique abilities and perspectives. Our people live their purpose while helping others Do more, Be more and Achieve more with their money and their lives. At DUCA, you’ll be part of a vibrant and collaborative team where you’ll be supported to excel and make an impact, no matter what role you play.

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Credit Manager

DUCA is looking for a Credit Manager to join our growing team!

Job Purpose & Summary

The Credit Manger contributes to DUCA’s risk management program related to the Commercial Lending portfolio, including Term Financing, Construction, and Multi-Unit Residential Building (MURB) portfolios, as assigned. This position is accountable for conducting comprehensive reviews and analysis of new credit deals received from the Commercial Banking team and adjudicating applications within assigned credit limits.

As an experienced credit professional, this position is responsible for quality assurance of the submitted credit requests, portfolio monitoring, reporting, and project coordination, when applicable. The Credit Manager contributes to credit policies, procedures, and guideline updates based on current practices, feedback from first line of businesses, and changing market and regulatory requirements.

The Credit Manager develops strong relationships with Commercial Banking Team and external partners (MURB Counterparties and servicers, etc.) by providing guidance and support for healthy and sustainable growth of commercial loan/lease portfolio.

Key Accountabilities & Duties

• Independently review and adjudicate new credits and annual reviews within assigned credit limits in accordance with DUCA credit policy and guidelines, in a timely manner (the current delegated limit is up to $7.5 Million for new credit and annual reviews and up to $0 Million for connected credit)
• Independently conduct detailed analysis on new credits and annual reviews and provide well-articulated and thought-out recommendations for credit adjudication which exceeds lending authorities for senior management approval
• Approve annual reviews and credit amendments as per delegated lending authority, within assigned credit limits
• Conduct objective review of due diligence documents (e.g. appraisals, environmental reports, lease agreements, industry reports etc.), financial spreadsheets, risk rating, financial models and conduct sensitivity analysis
• Communicate with the Commercial Banking team to seek further information and modifications, if needed; discuss appropriate structuring for the deal and criteria required for approval; ensure that all information is credible, accurate, and relevant, including analysis and evaluation of the technical aspects (e.g., financial analysis, credit terms, structure, and collateral)
• Review and approve commitment letters, construction draw requests, margin, or borrower base calculations
• Discuss, negotiate and resolve credit related issues raised by Lending or other stakeholders
• Perform analysis and provide reporting to management on the commercial credit portfolio; determine performance and risk associated with various segments of the commercial credit portfolio, such as by deal type or industry and make recommendations on potential changes to portfolio make-up
• Keep a team activity log, pipeline report and assist with summary for various communications due at the month end
• Support the due diligence and adjudication of securitized MURB transactions
• Support the monitoring and presentation of Counterparty risks
• Use sound credit judgment to assess, analyze, and present well-written recommendations for adjudication on new deals and annual reviews; communicate effectively with the Commercial Banking team and external counterparties to ensure rationale and decision is clearly understood
• Undertake quality assurance reviews on commercial credit portfolio, track audit action items and coordinate with key stakeholders (lenders, funding team, analysts, adjudication team)
• Support the healthy and sustainable growth of a profitable Commercial Lending portfolio by ensuring the credit granting provided is within DUCA’s prescribed asset quality standards
• Stay abreast of regulatory changes and their impact on existing policies, procedures and guidelines; monitor market conditions and make recommendations for enhancements to existing / creation of new policies, procedures and guidelines
• Coordinate various initiatives and projects for the Commercial Credit team
• Provide additional coverage for Leasing credit reviews, adjudication and analysis as needed

Occupational Experience & Education Requirements

• Undergraduate degree in Business, Finance, or a related field
• Post-graduate degree or other related designation (CFA, FRM, CA etc.) considered an asset
• 5+ years’ work experience in commercial or real estate lending, or related field
• Knowledge of construction finance / CMHC insured MURB financing is an asset
• Minimum 4 years knowledge of financial statement analysis
• Knowledge of or experience with real estate secured lending

Knowledge, Skills & Attributes

• Strong ability to critically assess credit applications and demonstrate sound judgement in risk return trade-off
• Ability to recommend well thought-out solutions to mitigate credit risk
• Ability to articulate complex credit applications into succinct and balanced recommendations
• Knowledge of various due diligence reports (g. appraisals, environmental reports, lease agreements, industry reports etc.)
• Understanding of commitment letters and other legal documents from a credit perspective
• Understanding of term financing, leasing, MURB, and Construction lending practices and end-to-end credit process
• Knowledge of different lending products and sound lending practices
• Knowledge of DNA (banking software) to extract information
• Knowledge of the commercial real estate lending
• Ability to analyze financial statements and perform meaningful financial analysis
• Strong interpersonal and collaboration skills
• Highly developed critical thinking, problem-solving capabilities and excellent project management, planning, organizational, and time management skills with ability to handle complex multi-task assignments
• Strong attention to detail
• Excellent written and verbal communication skills
• Client-focused mindset and drive to do what is best for our Members
• Proficient with Microsoft Excel, Word, and PowerPoint
• Ability to work in a dynamic and fast-paced environment, under pressure and with time-sensitive deadlines
• Collaborates well in a team environment

Working Conditions

Normal office environment

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Department: Commercial Credit

Primary Location: Corporate Office - 5255 Yonge Street, North York, M2N 6P4

Employment Status: Full-Time

Hours per Week: 38

Salary: The annual salary range for this position starts at $80, 94. Actual annual base salaries will vary depending on relevant job-related factors such as experience, knowledge, skills, qualifications, and education/training. Depending on the position, DUCA’s total compensation package may include incentive compensation tied to company and individual performance or other benefits.

Number of Vacancies: 1

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DUCA is committed to employment equity and encourages applications from all qualified candidates. Recruitment related accommodations will be provided upon request.

Qualified applicants are encouraged to submit their application. Applications must include a resume.

We thank all applicants but only those considered for an interview will be contacted.

Job Description

Job Description

Company Description

Nestled at the base of Blackcomb Mountain, just two hours north of Downtown Vancouver, Fairmont Chateau Whistler defines mountain luxury. Offering ski-in, ski-out convenience in the winter, and an on-site championship golf course in the summer, we are Canada’s year-round outdoor adventure destination. Additionally, we are Whistler's largest conference resort hotel, offering 5 unique dining outlets, a slope-side Health Club, and 519 guestrooms and suites.

Job Description

Credit Manager

The Finance Department of the Fairmont Chateau Whistler is looking for a dynamic, organized and collaborative team player. This role requires proficiency in Client accounts receivable billing and processing (wedding, group), technology workflow improvement skills and support of an engaged team, while ensuring adherence to standards required by corporate policies.

Salary Range:  $72,000 - $74,000 dependent on experience and qualifications

Job Duties Include:

• Leading and managing the Accounts Receivables team
• Dealing with guest inquiries, ensuring accurately timely billing of group and wedding accounts
• Continuously analyzing and working on improving the effectiveness of billing speed and accuracy
• Maintaining and processing records of advance deposits & refunds, applying payments to the Accounts Receivables ledger and performing daily shift closing
• Administering and following up on group deposit payments & credit applications, printing group turnovers, convention resumes and billing correspondence to ensure compliance

Qualifications

• College degree in Business/Accounting or a combination of previous education and experience required
• Previous cash handling experience in a hospitality operations environment preferred
• Working knowledge of hotel operating systems, including Opera Cloud, Silverware POS and Micros POS

Job Perks & Benefits:

• Subsidized colleague accommodation available
• Complimentary meal in our staff cafeteria per shift
• Access to our Employee Travel Program, with discounts on room rates and food & beverage at Fairmont & Accor properties worldwide
• Hotel leisure benefits including Golf/Ski passes

Additional Information

Visa Requirements : To progress with your application, you must be legally eligible to work in Canada. The hotel is unable to assist candidates in obtaining Canadian work authorization.

APPLY TODAY:  Whether you're just launching your career or looking for a new adventure, we invite you to visit  learn more about Fairmont Chateau Whistler and the extraordinary opportunities that exist within our resort!

We encourage you to let us know if you require any accommodations through the application or recruitment process, and we will work with you to meet your needs. Persons who anticipate needing accommodations for any part of the application or interview process may contact, in confidence:

**Work Location:**
Burlington, Ontario, Canada
**Hours:**
37.5
**Line of Business:**
Risk Management
**Pay Details:**
76 800 $/$6,800 - 115 200 / 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:**
Department Overview :
The TD Equipment Finance (TDEF) team is a Centre of excellence within TD Specialized Commercial Banking. Our mandate is to structure equipment financing (leases and loans) for business clients and prospects as an alternative to other conventional bank sources of financing such as term loans.
Job Description :
The Analyst TDEF supports new business initiatives in the equipment finance business, with the portfolio of direct equipment finance customers and focuses on credit and operational risk management. The position is responsible for preparing and also approving credit reviews (within their DLs) and has responsibilities for monitoring and control within the TDEF portfolio. The Analyst focuses on structuring competitive financing solutions while maintaining credit quality, working on equipment finance portfolio of direct dealing clients together with various Sales Executives and Assistant Account Managers to grow the portfolio, add new clients and meet speed to market expectations. The Analyst reports to the Sr. Manager Credit, TD Equipment Finance. This position is accountable to deliver superior customer experience, drive profitable business growth and achieve the _Quest_ .
On a typical day at work, you will:
+ Structure and package competitive credit solutions on time to meet customer needs. This involves preparing credit applications with a high quality of risk assessment (through credit bureau report, financial statement and previous borrowing history analyses), credit structure, due diligence, and credit presentation (with an emphasis on Transportation and construction equipment).
+ Actively participate and contribute to the growth of TDEF RAC/SBB portfolio.
+ Deliver sound equipment financing expertise.
+ Present unique, complex transactions to senior management team.
+ Work with some of the most highly skilled individuals in the equipment finance industry.
+ Continually deliver exceptional service at every interaction and execute on plans to continuously improve the customer experience
+ Contribute to business objectives for Operational Excellence
+ Interpret internal and external business challenges and the industry environment, recommend course of action and standard methodologies to improve products, processes or services
+ 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 product and industry knowledge for own area of expertise and participate in knowledge transfer within the team and business unit
+ Keep current on emerging trends and developments and grow knowledge of the business, related tools and techniques
Job Requirements :
+ Undergraduate degree and/or over 5 years of relevant experience
+ Expertise in credit risk assessment and ability to structure
+ Excellent analytical, judgement and decision-making skills
+ Proficient in using MS Office Suite, productivity tools and end-user software
+ A dynamic professional with a positive approach and strong communications skills to liaise with cross functional teams and colleagues
+ Robust organizational skills and with the ability to work in a demanding environment and handle multiple deadlines and priorities
+ Bilingualism (English and French) is required.
**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.

**Do you want your voice heard and your actions to count?**
Discover your opportunity with Mitsubishi UFJ Financial Group (MUFG), one of the world's leading financial groups. Across the globe, we're 150,000 colleagues, striving to make a difference for every client, organization, and community we serve. We stand for our values, building long-term relationships, serving society, and fostering shared and sustainable growth for a better world.
With a vision to be the world's most trusted financial group, it's part of our culture to put people first, listen to new and diverse ideas and collaborate toward greater innovation, speed and agility. This means investing in talent, technologies, and tools that empower you to own your career.
Join MUFG, where being inspired is expected and making a meaningful impact is rewarded.
**Job Summary**
The role will support the Vice President in the Wholesale Credit Risk Modeling Team within the Credit Strategies Group (CSG). This position offers a challenging yet intellectually stimulating and collegial environment. The primary responsibilities include modeling credit risk for Credit Scorecard projects, automating model production processes, and researching and developing Machine Learning solutions for credit risk models. This role emphasizes financial and statistical modeling, as well as the computer science aspects of these areas.
**Responsibilities**
**Statistical Modeling:**
+ Developing and maintaining credit risk Scorecard models, such as Probability of Default and Loss Given Default Models. Also other credit risk related models such as IFRS 9 and Stress Testing models.
+ Playing a key role in advancing Machine Learning and automation initiatives, including data collection and preparation, feature engineering, parameter tuning, and exploring new academic approaches.
+ Collaborating with model validation and governance teams to develop methods and metrics for relevant model validation.
+ Creating reports and presentations for the Group Manager and Senior Management.
**Model Governance:**
+ Working with model validation and governance teams to develop methods and metrics for ensuring all models continue to perform as expected and within ranges agreed to by internal model audit and model management committees.
**Develop and Maintain Key Contacts:**
+ Collaborating closely with business line and risk managers to assess and manage firm wide risk management.
**New Initiatives:**
+ Applying strong risk knowledge to solve problems relatively independently, without relying on daily supervision.
+ Providing support to the Group Manager on other initiatives such as Machine Learning rating model, and related quantitative research.
**Technical Skills**
+ Strong programming skills in at least one of Python, SAS or R
+ Strong skills in statistical modeling and machine learning methods, including Regression (Linear/Logistic etc.), Decision Tree models such as Gradient Boosting Machines, and Neural Networks.
+ Proficient in data querying languages: SAS/SQL
+ Proficient in Microsoft Office Programs: Word, Power Point, and Excel
+ Sound knowledge of credit products, principles, rules, guidelines, policies, approvals and understanding of credit terminologies in banking industry.
**Experience**
+ Relevant experience in financial/economic modeling and/or Scorecard modeling preferred through prior internship, undergraduate/graduate level research, or work position.
+ Prior Basel II (PD/LGD/EAD models), IFRS 9 and stress testing experience a significant plus.
+ Commitment to quality and accuracy with strong attention to details.
**Education & Training**
+ Bachelor's degree or higher in a quantitative or computer programing field such as Quantitative Finance, Economics, Statistics, Mathematics or Computer Science.
The job description and related application pertains to an opportunity with either MUFG Bank, Ltd., Canada Branch ("MUFG Bank Canada") or MUFG Securities (Canada), Ltd. ("MUFG Securities Canada"). The job description relates to the general nature, scope, quantity and quality of work contemplated for the position. Other duties and responsibilities not specifically described may be assigned from time to time, consistent with knowledge, skills and abilities of the incumbent. The receipt of an application by either MUFG Bank Canada or MUFG Securities Canada, as applicable, does not imply or guarantee employment.
Each of MUFG Bank Canada and MUFG Securities Canada is an equal opportunity employer.
- As a federally regulated entity, MUFG Bank Canada is required to comply with applicable laws which prohibit discrimination based on protected grounds and which require accommodation to individuals in accordance with the requirements outlined in the Canadian Human Rights Act and the Canada Labour Code. Where MUFG Bank Canada obtains information relating to protected grounds under the Canadian Human Rights Act as part of the application process, it does so to monitor and otherwise evaluate its own compliance with such legislation and associated regulatory requirements; MUFG Bank Canada does not use such information for decision making purposes relating to the position contemplated in this application.
- As a provincially regulated entity, MUFG Securities Canada is required to comply with applicable laws which prohibit discrimination based on protected grounds and which require accommodation to individuals in accordance with the requirements outlined in the Human Rights Code (Ontario) and the Employment Standards Act (Ontario). Where MUFG Securities Canada obtains information relating to protected grounds under the Human Rights Code (Ontario) as part of the application process, it does so to monitor and otherwise evaluate its own compliance with such legislation and associated regulatory requirements; MUFG Securities Canada does not use such information for decision making purposes relating to the position contemplated in this application.
At MUFG, our colleagues are our greatest assets. Our Culture Principles provide a roadmap for how each of our colleagues must think and act to become more client-obsessed, inclusive and innovative. They reflect who we are, who we want to be and what we expect from one another. We are excited to see you take the next step in exploring a career with us and encourage you to spend more time reviewing them!
**Our Culture Principles**
+ Client Centric
+ People Focused
+ Listen Up. Speak Up.
+ Innovate & Simplify
+ Own & Execute

Job Description

Job Description

Job Title: Credit Risk Modeling Consultant

Job Description:

We are seeking multiple Credit Risk Modeling Consultants with expertise in credit risk model development and validation. This role involves analyzing risk patterns, optimizing credit frameworks, and ensuring regulatory compliance.

Key Responsibilities:

• Develop and validate credit risk models, including PD, LGD, and EAD.

• Ensure compliance with IFRS 9, AIRB, and CCAR regulations.

• Analyze large datasets to identify trends and improve risk assessment.

• Provide insights on credit scoring, underwriting, and portfolio risk.

• Enhance credit risk frameworks and lending strategies.

• Effectively communicate complex models to non-technical stakeholders.

• Document findings and recommendations.

Required Skills:

• Credit Risk & Modeling: Proven experience in credit risk assessment.

• Model Validation: Expertise in model testing and regulatory compliance.

• Programming Proficiency: Strong skills in SAS, Python, R, or Excel.

• Data Analysis: Ability to work with structured and unstructured data.

• Communication: Strong written and verbal communication skills.

Preferred Qualifications:

• Advanced degree in Finance, Economics, Statistics, Mathematics, or a related field.

• Familiarity with statistical analytics, IFRS 9, AIRB, and CCAR frameworks.

Please include any relevant certifications, technologies, or tools you have worked with.

Even if you don’t fully meet every requirement, we will still be open to review your application. We value diverse expertise and perspectives that drive innovation.

Follow us :

Job Description

Job Description

VP Credit Risk & Analytics

Cambridge ON

With over $1Billion in loans funded, our client has helped hard-working Canadians with personalized money solutions with more flexibility than traditional banks across both its retail and digital channels. They are a member of the Canadian Consumer Finance Association, fully licensed lender with 110+ branches across Ontario. The company believes their customers deserve clear, understandable loan terms and therefore encourage fair and fully disclosed lending practices. The company is on a National growth path, working to digitize the end to end consumer lending experience.

About The Role:

The successful candidates will play an instrumental role assisting with the development of the company's strategy to enhance its Credit Scoring capabilities and exponentially grow its consumer loan portfolio, in branch and digital.

This role will support the development, enhancement and monitoring of all credit scores used in the entire lifecycle of credit: Acquisitions, Adjudication, Credit Limit Assignment, Portfolio Management, Collections, Fraud, Loss Forecasting.

The successful candidate will bring strong statistical knowledge and experience in a credit risk environment with a proven track record of working with other business leaders from across the organization to drive analytically based strategies.

Qualifications:

• 5+ years of experience within consumer lending environment
• Experience building predictive models, regression modeling, credit modelling for auto adjudication, decision trees, logistics regression, etc.
• Experience with R, Matlab, Python or Base SAS.
• Demonstrated understanding of credit scores and, their use in business strategies, post implementation use, and monitoring
• Knowledge of automated decision engines (helped automating decision engines for different clients)
• Strong project management and communication skills
• Proven analytical and conceptual thinker who can adapt to a rapidly changing environment
• Demonstrated ability in working within team and collaborating with multiple stakeholders to understand issues and solve problems
• Ability to distill and communicate complex analytic recommendations to both technical and non-technical stakeholders, both orally and in written presentations
• Educational backgrounds in Applied Statistics, Computer Science, Risk Management, Financial Engineering, Statistical Modelling

Job Description

Job Description

Credit Specialist

$60,000 - $5,000

Maxville, ON - Hybrid – 4 days in office, 1 day remote

About Us  

STRIVE is a specialist recruitment firm offering proactive recruitment solutions in the areas of Accounting and Finance, Corporate Administration, and Manufacturing Operations. STRIVE supports various clients, from small to medium-sized enterprises to Fortune 500 organizations, for their permanent, contract, and temporary recruitment needs. 

The Role   

We are seeking a detail-oriented and proactive Credit Specialist to join a growing team. Reporting to the Credit Manager, you will oversee the collection process for a portfolio of Credit Card and Commercial Accounts. You will play a key role in maintaining strong credit practices while balancing customer relationships.

Advantages

• $60–65 base
• 3 weeks’ vacation + 5 days sick leave + 5 additional days
• Health benefits starting after 90 days (company-paid premiums)
• 3.5% RRSP match from day one
• Fuel/product discounts and partial gym membership reimbursement after 90 days
• Training and professional development support

Responsibilities

• Evaluate accounts and provide analysis, findings, and recommendations to determine credit terms, including dollar and time limits
• Work with the Credit Manager to review and adjust credit terms as needed, and suspend or revoke credit as necessary
• Enforce company credit policies while maintaining a customer-focused approach
• Maintain accurate documentation and records in customer credit files
• Manage pre-authorized debits and initiate credits/adjustments within policy limits
• Identify problem accounts and provide regular updates to the Credit Manager
• Manage aged debtor listings for various Credit Card and Commercial Accounts
• Negotiate payment arrangements with delinquent customers
• Review customer accounts regularly to maintain an appropriate level of credit risk
• Coordinate collections with third-party agencies or legal professionals when necessary

Requirements

• Diploma or Degree in Business, Accounting, Finance, or related field
• 3+ years of accounts receivable and collections experience in a fast-paced, high-volume environment
• Strong computer skills, including proficiency in Microsoft Office suite
• Ability to communicate effectively in both English and French
• Proven judgment and decision-making skills, with a focus on customer satisfaction
• Excellent attention to detail and accuracy
• Ability to handle difficult customers with professionalism, tact, and diplomacy
• Ability to multi-task and manage competing priorities and deadlines
• Experience in the energy industry (distribution, retail, wholesale) is an asset

#LI-SR

Job Description

Job Description

OVERVIEW:

The role of the Credit Specialist, reporting to the Credit Manager, oversees the collection process for a portfolio of various Credit Card and Commercial Accounts for the Company. This role supports the Credit Department in driving effective credit granting and collection processes within the team. The Credit Specialist is required to:

• Evaluate, and provide analysis, findings, and recommendations to determine credit terms, both in terms of dollar limits & time limits.
• Work with the Credit Manager to review and adjust credit terms on a regular basis or when required for existing accounts and suspend or revoke credit terms upon receipt of external information pertinent to the financial strength of an account.
• Establish and enforce the Company’s credit policies. In this role, the Credit Specialist will collect delinquent accounts and will manage credit-related issues, in discussion with Credit Manager.

RESPONSIBILITIES:

• Maintain appropriate documentation and other information in customer credit files.
• Manage the pre-authorized debits of customer accounts.
• Initiate credits and adjustments to customer accounts within Company policy limits.
• Identify problem accounts and provide regular reviews and updates to Credit Manager.
• Manage the aged debtor listing for the portfolio of various Credit Card and Commercial Accounts with account balances over terms.
• Negotiate payment arrangements with delinquent customers.
• Review customer accounts on a regular basis to maintain an appropriate level of credit risk.
• Identify accounts requiring collection agency or legal action and coordinate collections with third-party contractors and legal professionals, as necessary.

EDUCATION & SPECIALIZED KNOWLEDGE:

• Relevant post-secondary education with a Diploma/Degree in Business, Accounting, or Finance.
• 3+ years of accounts receivable and collections experience in a fast-paced, large volume, multi-transaction, and multi-class of trade environment.
• Strong computer skills, and ability to leverage technology to efficiently run the department.
• Effective listening, verbal, and written communication skills.
• Ability to communicate in both official languages is required.
• Proven judgment and decision-making ability demonstrating the ability to generate strong collections while maintaining customer satisfaction.
• Accuracy and attention to detail.
• Demonstrated integrity and ethical standards.
• Able to handle difficult customers with diplomacy and tact.
• The high degree of proficiency in the use of the Microsoft suite of software.
• Ability to multi-task and juggle competing deadlines and multiple priorities.
• Experience in the Energy Industry at the distribution, retail & wholesale levels, will be considered an asset.

WHY JOIN THE MACEWEN TEAM?

• Learn and collaborate with the best in the industry.
• Supportive colleagues and leaders who are passionate about providing exceptional service.
• Competitive compensation package.
• 3 weeks vacation to start.
• Complete benefits program including health, medical, dental, and life insurance.
• RRSP plan with Company match from day one.
• “The perks” include employee gym membership reimbursement, discounts on motor fuels at our service stations, and purchases of equipment and heating oil.

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OUR CORE VALUES:

It is important to us that when you consider a new opportunity, you understand a little about the company, its history, and its values. It is important to us that our values fit with yours, then everyone wins. Our Core Values are the cornerstone of who we are as a company, and what we value. We hope that our Core Values speak to you and what you value.

• Customers First - We exist, first and foremost to serve our customers. They must be at the heart of all the decisions we make.
• Long-Term Focused - We value long-term success over short-term gains.
• Respect Each Other - Each person with whom we work, communicate, and do business is valued and treated with dignity and respect.
• Do The Right Thing - We stand by our word and do what's right.
• Own It - We are encouraged to be entrepreneurial and make decisions as if the business were our own.
• Ever Evolving - We embrace positive change and always seek to improve.

MacEwen is a Canadian-owned and operated fuel and convenience provider that has successfully built and sustained customer relationships in Ontario and Quebec for over 48 years.

MacEwen is recognized as one of Canada's leading independent petroleum and convenience store companies with over 150 retail locations, 16 Divisional Offices, and two distribution centers with identified brands such as Quickie, County Line, Jutzi, MacEwen and Esso.

The Company's continuing success is based on each one of our 315 employees living our core values. First and foremost is our commitment to taking care of our customers.

Before an offer of employment is extended, a minimum of two business references will be required and candidates must complete pre-employment testing which comprises a criminal record check.

Please notify Human Resources if you wish to receive this job posting in a different format or if you require any other accommodations during the recruitment process.

We are an equal-opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.

This posting is for a vacant position.