Bilingual Credit Analyst – IB

5 months ago


Toronto, Canada Moneris Full time

Location: You will be based in our Toronto office and will work in a Hybrid model

Reporting Relationship: You will report to the Manager, Credit IB

                                               
What you'll do

This position is to perform various forms of credit-based analysis on prospective and existing merchants as well as providing customer service to assigned merchants on all credit related issues.

                                               

  • Applying appropriate underwriting criteria to new or existing merchant applications in accordance with established credit policy to ensure financial risk is appropriately mitigated.

  • 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

  • Performing 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/or financial information as required

  • Interact with internal staff and external sources for the purpose of Credit training, fraud detection, and monitoring activities.

  • Assist 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 as required.

  • Provide back up and support to the other Analysts as required, with respect to the IB Credit process, special projects, vacation relief, and peak time volume.

  • Comply with corporate policies established by Moneris Corporation including but not limited to the HR Code of Conduct, Technology Policy & Privacy Policy

  • Perform other duties, as required


What you bring

Must-have experience, knowledge, skills & abilities

  • 1 - 3 year of experience in a related field

  • Bachelor’s Degree or equivalent in Business, Accounting, or Finance

  • Must be fluent in French and English

  • Equivalent work experience may be considered a substitution

  • Experience in reviewing personal credit bureaus, commercial credit bureaus or financial statement analysis

  • Previous experience in the payment industry considered an asset

  • Technical Skills: Proficient with Microsoft Windows/ MS Office Applications

  • Excellent verbal and written communication skills

Nice-to-have experience, knowledge, skills & abilities

  • Strong analytical skills with a demonstrated attention to detail,

  • must possess excellent organizational and time management skills

  • Capability to “think outside of the box”

  • strong business acumen               

What you get   

  • The chance to be part of one of Canada’s top employers and leader in FinTech

  • Competitive pay and annual bonus program based on individual performance and productivity

  • 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

  • Lots of opportunities to advance your career – 30% of Moneris' roles are filled internally

  • EAP (Employee Assistance Program), Educational Assistance and Recognition Program

  • Employee perk program with incredible discounts for over 2,400 vendors

  • Get involved in one or many of our Moneris Committees and Employee Resource Groups - Inclusive Workplace Council (IWC), Black Employee Network, just to name a few


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.
                                                                               
 

Emplacement : Vous serez basé à notre bureau de Toronto et travaillerez dans un modèle hybride

Relation hiérarchique : Vous rapporterez au Gestionnaire, Crédit EI (Entreprise indépendante)

               

Vos responsabilités :

Le titulaire du poste doit effectuer différentes formes d’analyse de crédit auprès de commerçant(e)s potentiel(le)s et existant(e)s, en plus de répondre à toutes les questions liées au crédit des commerçant(e)s dont il ou elle est responsable.

  • Appliquer les critères de souscription appropriés aux demandes des nouveaux et nouvelles commerçant(e)s ou des commerçant(e)s existant(e)s, conformément à la politique en matière de crédit établie, afin d’atténuer correctement les risques financiers

  • Effectuer une révision ultérieure des commerçant(e)s qui ont besoin d’une augmentation de crédit ou qui ont été signalé(e)s par le processus de fraude (nouvelle approbation), notamment en ce qui concerne le volume de traitement ou la taille moyenne des transactions

  • Effectuer une évaluation du risque de crédit auprès des commerçant(e)s à haut risque existant(e)s, ce qui inclut avoir une bonne compréhension du profil de l’entreprise afin d’assurer la conformité avec la réglementation relative au crédit, à la fraude, aux associations de cartes et aux questions juridiques

  • Analyser les renseignements personnels, d’affaires et financiers, selon les besoins

  • Interagir avec le personnel interne et les ressources externes en matière de formation sur le crédit, de détection de la fraude et de surveillance

  • Aider à répondre aux appels de la clientèle concernant des configurations complexes de commerçant(e)s nécessitant une explication de certaines politiques de crédit en particulier et des décisions liées à ces politiques

  • Travailler avec le groupe de protection contre la fraude de Moneris pour surveiller les activités de certain(e)s commerçant(e)s à haut risque, selon les besoins

  • Offrir un soutien et une assistance aux autres analystes, selon les besoins, en ce qui concerne le processus de crédit des entreprises indépendantes, les projets spéciaux, les congés et les périodes de pointe

  • Respecter les politiques de Corporation Solutions Moneris, notamment le Code de conduite ainsi que les politiques en matière de technologies et de confidentialité

  • Effectuer d’autres tâches, au besoin

Votre profil

Expérience, connaissances, compétences et capacités requises

  • De 1 à 3 années d’expérience dans un domaine connexe

  • Baccalauréat ou diplôme équivalent en affaires, en comptabilité ou en finances

  • Maîtrise du français et de l’anglais

  • Une expérience de travail équivalente peut être considérée comme un substitut au niveau d’éducation

  • Expérience dans l’évaluation de crédit personnel, de crédit commercial ou dans l’analyse d’états financiers

  • Expérience dans l’industrie du paiement, un atout

  • Compétences techniques : Bonnes connaissances de Windows et de la suite MS Office

  • Excellente aptitude pour la communication orale et écrite.

Expérience, connaissances, compétences et capacités souhaitées

  • Solides compétences en matière d’analyse et faire preuve de grande minutie

  • Excellentes compétences en organisation et en gestion du temps

  • Capacité à penser différemment

  • Solide sens des affaires

Vos avantages

  • Une occasion d’être employé(e) par l’un des meilleurs employeurs du Canada et un chef de file en matière de technologies financières

  • Une rémunération compétitive et un programme de primes annuelles selon le rendement et la productivité

  • Un accent mis sur le bien-être, vendredi sans réunion, fermeture de l’entreprise pendant les fêtes, pour n’en citer que quelques-uns

  • Un REER avec contribution de l’employeur et régime de retraite à cotisations déterminées           

  • Un ensemble d’avantages sociaux flexibles dès le premier jour

  • Un modèle de travail hybride ou à distance pour lequel vous obtiendrez un rabais à l’achat de périphériques technologiques

  • De nombreuses possibilités de faire progresser votre carrière: 30 % des postes à Moneris sont pourvus à l’interne

  • Un programme d’aide aux employé(e)s, de l’aide à la formation et un programme de reconnaissance

  • Un programme d’avantages pour les employé(e)s avec des rabais incroyables chez plus de 2 400 commerçant(e)s

  • Une occasion de faire partie d’un ou de plusieurs de nos comités et groupes de ressources aux employé(e)s, notamment le comité pour un milieu de travail inclusif et le réseau d’employé(e)s noir(e)s


Vos collègues

Notre service de gestion du risque d’entreprise (GRE) est composé de trois principales fonctions : gestion de risque de crédit (souscription et recouvrement), gestion de la fraude, GRE (notamment la gestion de la continuité des activités ainsi que la gestion des tiers et du contrôle financier). Ensemble, notre objectif est de stimuler les activités de création et de conservation de la valeur de l’entreprise en mettant en place de façon efficace des cadres et une culture de gestion des risques de pointe. La réalisation de cet objectif est fortement appuyée par l’équipe de la haute direction et elle requiert l’automatisation et l’agilité, la prise de décision basée sur les données, la sensibilisation aux risques, la formation des employé(e)s ainsi que le travail de bon(ne)s employé(e)s.

#LI-Hybrid


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