Credit Analyst, IB

4 weeks ago

Toronto, Canada Moneris Full time

Your Moneris Career - The Opportunity

Independent Business (IB) Credit Risk Management maintains our IB merchant portfolio within risk appetite regarding merchant Credit risk. The primary purpose of your role is to ensure we achieve our IB merchant underwriting (origination) due diligence program. This includes underwriting following our enterprise risk sensitivity that balances merchant experience and credit risk.

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 work with our partners, customers such as Sales, Product to collaborate on managing credit risk, customer experience and business growth/ distribution. You will report to the Manager, Credit - IB.

Contract Term: minimum 12 months.

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.

Your Moneris Career - What you'll do

  • Applying appropriate underwriting criteria to all merchant applications following established credit policy to ensure financial risk is mitigated.

  • 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

  • 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 our Fraud Group to monitor the activity of selected High-Risk Merchants.

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

Your Moneris Career - What you bring

  • 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

Nice-to-have...

  • Strong analytical skills with a demonstrated attention to detail

  • Possess excellent organizational and time management skills

  • Capability to “think outside of the box”

  • Strong business acumen

Your Moneris Career - What you get

  • 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

  • Learning & development programs and resources to grow your career

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