Credit Analyst

At Moneris, we are re-imagining commerce and shaping the future of FinTech. To do that, we empower our teams to redefine what's possible, enable them with the right tools, and support them every step of the way. Connect. Impact. Grow. Turn your passion into purpose with a career at Moneris. Your Moneris Career - The Opportunity Location: Toronto Hybrid You will perform different forms of credit-based analysis on prospective and existing merchants and providing customer service to assigned merchants on all credit related issues. You will report to the Manager, Credit - IB. Your Moneris Career - What you'll do- - Post-review of merchants who are in need of 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 a good 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 IB Credit process, special projects, vacation relief, and peak time volume- Comply with corporate policies established by Moneris Corporation including the HR Code of Conduct, Technology Policy & Privacy Policy- Perform other tasks, as required Your Moneris Career - What you bring Must-have...- 1 - 3 year 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/ MS Office Applications- Excellent verbal and written communication skills- Soft Skills: 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- Emphasis on Wellness - Meeting Free Fridays (MF2), company-wide holiday closure, just to name a few- RRSP matching & defined contribution pension plan- Flexible benefits package starting from Day 1- Thrive in a Hybrid or Remote Model - including a tech peripheral rebate- Learning & development programs and resources - plus unlimited free access to LinkedIn Learning- EAP (Employee Assistance Program), Educational Assistance and Recognition Program- Employee perk program with incredible discounts for over 2,400 vendors & exclusive banking offers from BMO and RBC- Get involved in one or many of our Employee Inclusion Groups (EIGs) including the Black Employee Network, Moneris Immigrants Society, 2SLGBTQIA+ EIG, just to name a few Your Moneris Career - 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. Your Moneris Career - Who we are Moneris was created as a joint investment between RBC and BMO Bank of Montreal (including Harris Bank) in December 2000. By maintaining the tradition of security and strength of our parent banks, today we are Canada's #1 processor, and one of North America's largest. - Check out our careers hub to learn more about life at Moneris LI-Hybrid