Bilingual Credit Analyst

1 week ago

Toronto, Ontario, Canada Moneris Full time

What you'll do


This position is to perform various forms of credit-based analysis on prospective and existing merchants as well as provide customer service to assigned merchants on all credit-related issues.


  • Postreview of merchants who are in need of a line increase or are flagged by fraud process (readjudication) specifically in processing volume level or average transaction size
  • Performing a credit risk assessment of an existing highrisk merchant which includes developing a good understanding of the business profile to ensure compliance with credit, fraud, card association regulation and legal matters
  • Analyze personal, business and/or financial information as required
  • Interact with internal staff and external sources for the purpose of Credit training, fraud detection, and monitoring activities.
  • Assist with customer calls for complex merchant setups requiring explanation of specific credit policies and decisions related to those policies.
  • Work with Moneris Fraud Group to monitor the activity of selected High Risk Merchants as required.
  • Provide back up and support to the other Analysts as required, with respect to the IB Credit process, special projects, vacation relief, and peak time volume.
  • Comply with corporate policies established by Moneris Corporation including but not limited to the HR Code of Conduct, Technology Policy & Privacy Policy
  • Perform other duties, as required

What you bring

Must-have experience, knowledge, skills & abilities
year of experience in a related field

  • Bachelor's Degree or equivalent in Business, Accounting, or Finance
  • Must be fluent in French and English
  • Equivalent work experience may be considered a substitution
  • Experience in reviewing personal credit bureaus, commercial credit bureaus or financial statement analysis
  • Previous experience in the payment industry considered an asset
  • Technical Skills: Proficient with Microsoft Windows/ MS Office Applications
  • Excellent verbal and written communication skills

Nice-to-have experience, knowledge, skills & abilities

  • Strong analytical skills with a demonstrated attention to detail,
- must possess excellent organizational and time management skills

  • Capability to "think outside of the box"
- strong business acumen

What you get

  • The chance to be part of one of Canada's top employers and leader in FinTech
  • Competitive pay and annual bonus program based on individual performance and productivity


 Emphasis on Wellness
  • Meeting Free Fridays (MF2), companywide holiday closure, just to name a few
  • RRSP matching & defined contribution pension plan
  • Flexible benefits package starting from day
  • Thrive in a Hybrid or Remote Model including a tech peripheral rebate
  • Extensive learning & development programs and resources plus unlimited free access to LinkedIn Learning and Udemy courses
  • Lots of opportunities to advance your career 30% of Moneris' roles are filled internally
  • EAP (Employee Assistance Program), Educational Assistance and Recognition Program
  • Employee perk program with incredible discounts for over 2,400 vendors
  • Get involved in one or many of our Moneris Committees and Employee Resource Groups
  • Inclusive Workplace Council (IWC), Black Employee Network, just to name a few

Who you'll work with


Our Enterprise Risk Management (ERM) department is made up of three main functions: Credit Risk Management (Underwriting and Collections), Fraud Management, ERM (including Business Continuity Management, 3rd Party Management and Financial Control).

Together, our mission is to drive enterprise value creation and preservation activities by effectively building world class risk management frameworks and culture.

Enabling this mission is a clear tone from the top, automation and agility, data driven decision making, risk awareness and education across the organization and by having strong talent.

Check out our careers hub to learn more about life at Moneris

Emplacement :
Vous serez basé à notre bureau de Toronto et travaillerez dans un modèle hybride

Relation hiérarchique :
Vous rapporterez au Gestionnaire, Crédit EI (Entreprise indépendante)

Vos responsabilités:


Le titulaire du poste doit effectuer différentes formes d'analyse de crédit auprès de commerçant(e)s potentiel(le)s et existant(e)s, en plus de répondre à toutes les questions liées au crédit des commerçant(e)s dont il ou elle est responsable.


  • Appliquer les critères de souscription appropriés aux demandes des nouveaux et nouvelles commerçant(e)s ou des commerçant(e)s existant(e)s, conformément à la politique en matière de crédit établie, afin d'atténuer correctement les risques financiers
  • Effectuer une révision ultérieure des commerçant(e)s qui ont besoin d'une augmentation de crédit ou qui ont été signalé(e)s par le processus de fraude (nouvelle approbation), notamment en ce qui concerne le volume de traitement ou la taille

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