Fleet Credit Analyst

Transport is at the core of modern society. Imagine using your expertise to shape sustainable transport and infrastructure solutions for the future? If you seek to make a difference on a global scale, working with next-gen technologies and the sharpest collaborative teams, then we could be a perfect match.

**What you will do**

At Volvo Financial Services you will contribute to the transformation of our company, the transport industry, and society at large. You will analyze prospective customer profiles, making credit decisions and recommendations on truck, construction, and coach market financing & lease transactions. You will provide the highest level of customer service, supporting VFS Canada Inc.’s mission to be the premier captive finance company in Canada. In this on-site position, you will report to the Manager, Retail Credit at our office in Aurora, Ontario.

**You will also**:

- Manage portfolio of fleet accounts and adjudicate credit submittals for truck fleet, coach, and construction transactions;
- Support dealers, customers, and the VFS District Financial Managers (DFM) by providing timely credit underwriting on dealer or DFM credit submittals;
- Perform loss analysis projections on customer fleet transactions;
- Review Fleet financial statement data and other credit information to generate assessments and conclusions;
- Approve credit submittals and document credit approvals in writing within delegated credit authorities and in accordance with established VFS credit policies and guidelines;
- Present files outside of delegated authority to Canadian, North American and Executive Credit Committees;
- Negotiate changes in standard VFS documentation and present to legal for review and approval;
- Prepare and negotiate priority agreements and release of lien waivers on fleet customers and present non-standard requests to legal for review and approval;
- Interact extensively with the sales force, dealers, and customers to effectively negotiate transactions and communicate credit decisions in a timely manner;
- Keep up to date on Volvo, Mack and Prevost product offerings as well as VFS-sponsored finance programs;
- Participate in the various system enhancements ensuring testing compliance and acceptance in accordance with operational requirements;
- Travel on occasion as necessary to meet with current and prospective fleet customers;
- Assisting in the development and implementation of retail credit programs;
- Effectively utilize pricing tools and T-Value to facilitate and negotiate revised deal structures;
- Provide support and backup on scorecard transactions, syndication activities, and workouts as required;
- Provide support and backup to the other Fleet Analyst as needed;
- Perform sundry administrative duties as delegated by Manager, Credit Team.

**Who are you?**
- Do you dream big? We do too, and we are excited to grow together. In this role, you will bring:

- Undergraduate degree in Business Administration, Finance, Accounting, or Economics or equivalent work experience.
- Strong credit background with 3 to 5 years of experience in mid to large-ticket commercial credit adjudication preferably with experience in the equipment finance industry (trucks, buses, and construction equipment).
- Captive Automotive Finance industry experience is an asset.
- Proven record of achievement in structuring commercial transactions in an asset-based lending environment.
- General knowledge of Business, Customer Service, Credit, Legal, Collections and Vendor Management is necessary.
- Ability to work independently, exercise sound business judgment, possess strong organizational and negotiation skills and have the ability to manage multiple transactions in a fast-paced, demanding environment;
- Effectively prioritize workload and collaborate with team members to deliver exceptional service to our customers;
- Senior level of understanding on financial statement analysis and the calculation of key financial ratios;
- Strong presentation skill, problem-solving and analytical skills to arrive at quality decisions;
- A thorough understanding of security documentation related to loan and lease transactions;
- Strong understanding of basic security perfection procedures including a basic level of understanding of both the PPSA and The register of personal and movable real rights (“RDPRM”) registration requirements;
- Proactively contribute to the generation of ideas for continuous improvement projects related to credit, and engage in their development and implementation;
- Excellent English verbal and written communication skills;
- Bilingual communication skills in French (written & verbal) are an asset;
- Proficient in MS Office including MS Excel, MS Outlook and MS PowerPoint;
- Must have a valid driver’s license with a clean driving record.

We understand you may not tick all the boxes and that’s ok; if you are interested in learning it, we’ll help you get there as we learn together.

**What’s