Credit Analyst

Mitsubishi HC Capital Canada•Trois-Rivières, QC

17d•Hybrid

About The Position

Join our dynamic Risk Management team as a Credit Analyst, where you’ll leverage your analytical skills and credit expertise to make informed decisions that shape our success. Reporting to the Team Lead of Flow Credit, you’ll play a crucial role in evaluating financial data, making recommendations, and exercising sound judgment in credit analysis.

Requirements

A bachelor’s in business administration - finance or accounting OR any other related diploma
At least 2 years of relevant experience in similar functions such as: Consulting services including financial statement analysis, Credit analysis, Risk Management
Expertise in analyzing financial statements and credit reports.
Strong interpersonal communication skills and a collaborative mindset.
Ability to thrive in a fast-paced, dynamic environment.
Proficiency in Microsoft Office Suite, particularly Excel.
Bilingual proficiency in English and French to ensure adequate service for our teams and clients across Canada
Good analytical, judgment, synthesis, and organizational skills.

Responsibilities

Underwrite and make decisions on transactions within your earned credit authority.
Present and recommend transactions exceeding credit authority to management, accurately assessing total exposure, and credit risk.
Analyze applicants’ financial situation, references, solvency, and repayment capacity.
Collaborate with sales teams, vendor representatives, and third-party brokerages to negotiate terms.
Conduct thorough research on individuals, companies, and guarantees to ensure compliance with creditworthiness standards and "Know Your Customer" protocols.
Communicate decisions to applicants, providing clear explanations and viable alternatives where possible.
Work cross-functionally with different departments to achieve shared goals.
Participate in various projects, contributing your expertise to drive outcomes.
Undertake additional tasks related to the role as assigned.

Benefits

Permanent full-time position
Flexible and hybrid work environment with the possibility of working in the offices of Trois-Rivieres
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