Senior Credit Analyst

Mitsubishi HC Capital Canada and its parent company, Mitsubishi HC Capital America, form the largest non-captive, nonbank commercial finance company in North America constantly growing and transforming to contribute to a prosperous and sustainable future, creating social value through optimizing the potential of assets.

Joining Mitsubishi HC Capital Canada means becoming an integral part of an experienced team offering flexible commercial financing solutions adapted to the needs of Canadian businesses.

We stand out thanks to a collaborative culture focused on the well-being of our employees, accountability and career development, open-mindedness, inclusiveness as well as positive leadership in our daily activities

In addition, a sales team specializing in sustainable development and a community action committee allow us to make a significant social and environmental difference.

About
The Senior Credit Analyst – Inventory Finance is a commercial credit analysis role (dealer inventory financing) that contributes to evaluating transactions of all sizes. This position plays a key role in reviewing and processing transactions within the limits of their credit authority and presenting transactions that exceed this authority to management. The candidate must have extensive experience in commercial lending across various asset classes and demonstrate the ability to thrive in a dynamic, fast-growing environment.

Responsibilities

• Assess and prepare detailed and thorough credit files presenting the credit request with appropriate risks and mitigants, then approve transactions within their authority.
• Present transactions that exceed their credit authority to management.
• Review and analyze financial statements/tax returns to provide in-depth analysis of performance and trends.
• Communicate clearly and effectively with Sales teams, dealers, and internal clients.
• Obtain and analyze public and private company information (Dun & Bradstreet reports, Paynet, etc.).
• Knowledge of security perfection processes and ability to negotiate intercreditor agreements.
• Conduct research on industries, markets, and equipment as needed.
• Work independently to complete new credit requests, increases, or annual reviews.
• Perform other related duties as assigned by management.

Profile we are looking for

• Minimum 5 years of experience in commercial credit analysis within a bank or other financial institution.
• Experience underwriting dealer financing across various industries, including construction, agriculture, recreational vehicles, etc.
• Ability to adapt to changes in the work environment.
• Data collection and analysis skills.
• Excellent written and verbal communication skills in French and English to serve clients in Canada and the United States.
• University degree required, preferably in finance, accounting, or management.

What We Have To Offer

• Permanent full-time position
• Flexible work environment with the possibility of working in the offices of:
• Laval, QC
• Montréal, QC
• Trois-Rivières, QC
• Burlington, ON
• Calgary, AB
• Vacation and flexible leave as soon as you start with us
• Personal spending account
• Competitive compensation plan including a bonus program
• Group retirement plan including an employer contribution
• Complete group insurance program paid in part by the company
• Several opportunities for professional growth and access to an online training platform
• Wellness program focused on mental, physical, financial and social health
• Employee and family assistance program accessible at all times

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We would like to thank all applicants in advance. Should you be selected for an interview, you will be contacted directly. Mitsubishi HC Capital Canada values diversity and is committed to accessibility. Should you require accommodation due to disability, please notify the Human Resources Recruiter.