Credit Analyst

Your Moneris Career - The Opportunity

Credit Risk Management maintains the Moneris SMB merchant portfolio within risk appetite regarding merchant Credit risk. You will ensure Moneris delivers on its SMB merchant underwriting (origination) due diligence program. This includes underwriting following Moneris’ enterprise risk sensitivity that balances merchant experience and credit risk.

You will work with Moneris company partners, customers such as Sales, Product to collaborate on managing credit risk, customer experience and business growth/distribution.

**Location**:You will be based in our Toronto office and will work in a hybrid schedule.

**Reporting Relationship**: You will report to the Manager, Credit - SMB.

Your Moneris Career - What you'll do

You will be to performing several forms of credit-based analysis on prospective and existing merchants and providing customer service to assigned merchants on all credit related issues.
- Post-review of merchants who need a line increase or are flagged by fraud process (re-adjudication) specifically in processing volume level or average transaction size
- Perform a credit risk assessment of an existing high-risk merchant which includes developing an understanding of the business profile to ensure compliance with credit, fraud, card association regulation and legal matters
- Analyze personal, business and financial information
- Work with internal staff and external sources for the purpose of Credit training, fraud detection, and monitoring activities.
- Help with customer calls for complex merchant set-ups 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.
- Provide back up and support to the other Analysts, concerning the SMB Credit process, special projects, vacation relief, and peak time volume.

Your Moneris Career - What you bring
- Up to 3 years of experience in a related field
- Bachelor’s Degree or equivalent in Business, Accounting, or Finance
- Equivalent work experience may be considered a substitution
- Experience reviewing personal credit bureaus, commercial credit bureaus or financial statement analysis
- Previous experience in the payment industry considered an asset
- Technical Skills: Proficient in Microsoft Windows/ Applications
- Excellent verbal and written communication skills

Nice-to-have...
- Strong analytical skills with a demonstrated attention to detail
- must have excellent organizational and time management skills
- Capability to “think outside of the box”
- strong business acumen

Your Moneris Career - What you get
- Comprehensive Total Rewards Program including bonuses, flexible benefits starting from day 1, and your choice of either a health spending account (HSA) or personal spending account (PSA)
- RRSP matching & defined contribution pension plan
- Learning & development programs and resources including unlimited free access to Coursera and an Educational Assistance Program
- Holistic approach to your well-being, with an Employee Assistance Program for you and your family, access to 24/7 virtual health care, wellness events and a supportive workplace culture
- A workplace committed to investing in Diversity, Equity and Inclusion (DEI) through various initiatives including, employee inclusion groups (EIGs), mentorship, DEI learning and workshops, educational events, and various resources including an internal DEI website and newsletter
- Company-wide paid year-end closure & personal time off (including religious, personal, and volunteer days)

LI-Hybrid

OTH-IND