Credit Analyst

As a member-owned cooperative, we’re helping our members with their real goals and real challenges so they can live the real life they want. It’s what we’ve been doing for over 80 years, and it’s why today we stand almost 600,000 members strong. Plus, we invest 10% of our budgeted profits back into our community - almost $90 million since 2000 alone - because when our members do well, we believe our communities should do well too.

Credit Analyst (18-month FIXED TERM)
- Jan 22, 2025

**Location(s)**: Surrey and Vancouver - Lower Mainland

**Job Type**: 18-month (FIXED TERM)

**myWork Options**: In-person, Hybrid

**Starting Salary Range**: $63,300-$75,900

**Background Screening Requirement**:

- Enhanced Criminal Record Check
- Credit Check
- Identity Verification
- Employment Verification
- References

**Job Purpose**
- You will be accountable for analyzing credit submissions while exercising good judgment and providing approvals for qualified loans within assigned lending limits. Assists with developing and delivering the **automotive**loan training process, including system training. Also acts as a primary resource to sales personnel for credit policies and procedures.

**Accountabilities**
- Effectively communicates credit decisions to applicable staff and dealerships clearly and concisely.
- Performed under established procedures, work is reviewed regularly for accuracy and completion, including escalations of exceptions to Senior Credit Analyst or above.
- Required to plan work to meet deadlines and unexpected situations. Works under the guidance of the Senior Credit Analyst or above.
- Results achieved are internally focused and indirectly affect a unit of a Department. The external focus would be on others and would be strictly informational in nature.

**Skills and Qualifications**
- High School Diploma plus completion of a Certificate Program (equivalent to one full year or 10 courses).
- 1 - 3 years of experience in **credit analysis for automotive financing (mandatory)**:

- Expert understanding of the loan origination system.
- Proficient knowledge of PCs, including sound working knowledge of Microsoft Outlook, Word, and Excel.
- Working knowledge of presentation equipment and software.
- Expert understanding of Compass Application System
- Advanced knowledge of risk management as it relates to credit underwriting.

**Equity, Diversity & Inclusion at Coast Capital**

Why join Coast Capital Savings?
- **Purpose is our North Star.** We look at everything through our purpose. It informs the advice we provide our members, the experiences and products we create, and the programs we build to support our employees and communities.
- **Committed to inclusion and engagement.**We have an ongoing focus on equity, diversity, and inclusion and routinely track how we’re doing, and what we need to do to keep improving. We foster a culture where everyone can feel safe to be who they really are and thrive.
- **A career that grows with you.** We believe in developing our people and promoting from within. Many employees have spent decades, and sometimes their entire careers, with Coast Capital and have progressed from the frontlines to senior leadership.
- **Work where you’re most effective.** In 2020 the world changed, and that includes how we work. In response to COVID-19 we launched myWork, which gives employees flexibility in where they work based on the nature of their role.
- **Benefits that flex to the needs of you and your family.** We offer comprehensive, customizable benefits for you and your family, so you can choose what fits best for you and your lifestyle.
- **Retirement options.** We also take care of our employees once they retire. That’s why we offer the choice of a defined contribution or defined benefit pension plan or RSP’s.
- **Mortgage and auto financing benefits**. Employees save thousands on their mortgages and auto loans with best-in-category benefits.
- **Real Recognition**. We recognize excellence throughout the year, through an online community that lets employees give kudos and thanks throughout the year. We’re human, which means we like to have fun with events, celebrations, and recognition throughout the year.
- **An award winning culture**. We’re a Platinum member of Canada’s Best Managed Companies and are regularly recognized by Canada’s Most Admired Corporate Cultures and the BC Top Employers Awards.
- **We reinvest 10% back into the community.** When we do well, our communities do well. That’s why since 2000 we’ve invested over $90 million into our member’s communities.
- **Double your impact.** Through our employee volunteer program, Coast Capital donates $10 for every hour you volunteer to a Canadian charity or non-profit of your choice.