Bilingual Credit Analyst

Our client is a top financial institution with significant North American holdings. They have operations across most major verticals, including institutional & corporate, wealth management, private client, commercial banking, treasury, and retail banking.

Introduction:
Prime Hires is seeking a skilled Bilingual (French and English) Credit Application Analyst to join our client.

Contract Period:
12 Months with potential to extend or convert

Pay Rate:
$24.39 per hour

Location:
Montréal, QC

Location Type
: Primarily Onsite

Overtime Required:
Saturday every 4 to 5 weeks

Training:
4 weeks

Business Hours:
Monday-Friday; Rotational Shift between 8:00 am - 7:00 pm

Job Responsibilities:

CUSTOMER:

• Provide guidance and support to business partners or customers on a broad range of credit products offered in a business line or product suite and/or within authorization limit
• Support partner relationships and be responsible for providing a broad range of operational and/or credit processing activities to ensure business objectives and Service Level Agreements (SLAs) are met
• Ensure complete and accurate data input into the origination system assisting the preparation of loan documentation
• Reconcile / verify / process all required credit support material / documentation for credit transactions / activities to support customers in obtaining credit
• May review credit files and records to answer business partner or customer requests for information
• Ensure all required processing and enquiries are fulfilled meeting Service Level Goals
• Ensure business partner or customer problems are handled appropriately in a timely manner, effectively / efficiently and escalate as necessary
• Interpret credit policies, legal requirements and regulatory guidelines to ensure loan documents meet applicable standards
• Provide direction and guidance, and assist team with most complex aspects of account administration, as necessary

SHAREHOLDER:

• Prioritize and manage own workload to meet SLA requirements for service and productivity
• Understand and apply credit operating policies and procedures
• Support various business partners and credit areas by either collecting / reviewing / analyzing all credit documentation for accuracy, adherence to all regulatory requirements, review of all requested approval conditions associated with a credit facility prior to funding etc
• May also be responsible for document preparation and performing quality reviews and complete quality control analysis along with arranging credit transactions / activities and supports customers in obtaining credit
• Follow internal and industry regulations and operating practices in completing and recording transactions for either the organization or clients
• Escalate non-standard or high-risk activities as necessary
• Ensure documentation that is prepared / completed is accurate and properly reflects business intentions and is consistent with relevant rules / regulations
• Complete investigations - report / escalate risk issues or process gaps identified
• Identify and recommend opportunities to enhance productivity, effectiveness and operational efficiency
• Ensure necessary due diligence to support the accuracy of all transactions / activities
• Be knowledgeable of and comply with Bank Code of Conduct

EMPLOYEE / TEAM:

• Participate fully as a member of the team, support a positive work environment that promotes service to the business, quality, innovation and teamwork and ensure timely communication of issues/ points of interest
• Support the team by continuously enhancing knowledge / expertise in own area and participate in knowledge transfer within the team and business unit
• Participate in personal performance management and development activities, including cross training within own team
• Keep others informed and up to date about the status / progress of projects and / or all relevant or useful information related to day-to-day activities
• Contribute to a fair, positive and equitable environment that supports a diverse workforce
• Act as a brand ambassador for your business area/function and the bank, both internally and/or externally

BREADTH & DEPTH:

• Works autonomously within established procedures and/or is responsible for credit activities involving multiple steps, systems, and jurisdictions
• Requires advanced skills and expertise in a range of credit products and services, processes, procedures and systems in a set of focus areas, where transactions could be characterized by moderate risk
• May develop spreading of financials statements to forecast future financial statements
• Acts as the primary contact for customers on credit applications
• Gathers and analyzes data to identify and solve problems, escalated as appropriate
• Uses judgement and understanding of process/policy risk when recommending exceptions outside general practices or guidelines
• Generally, interacts with internal customers / partners for functions performed and/or external customers
• May provide process / policy guidance to others (e.g. within team, internal partners)
• Focus of work spans from daily, weekly to monthly activities
• Requires full proficiency in a range of processes and procedures through job related training and considerable on the job experience to perform a range of work assignments
• Requires solid knowledge of the business unit / operational functions as well as regulatory issues/requirements for jurisdictions supported
• Generally, reports to a Team Manager

Experience & Qualification Requirements:

• 1 Years of Relevant Experience
• High School Diploma / Undergraduate Degree
• Previous Experience in a Professional / Corporate environment
• Strong Communication Skills
• Strong Problem Solving
• Bilingual - French and English
• Mortgage Experience