Credit Analyst

Mississauga, ON

3d • Hybrid

About The Position

Jim Peplinski Capital is a company with over 35 years of experience in fleet management, providing integrated capital and fleet solutions to Canadian businesses. They are looking to redefine fleet financing in Canada and are seeking a Senior Credit & Risk Analyst to join their credit team. This role offers significant ownership, growth opportunities, and the chance to directly influence the company's standards in fleet financing. The Senior Credit & Risk Analyst will be a key individual contributor responsible for independent adjudication, portfolio monitoring, and mentoring junior team members, operating at the intersection of underwriting and risk oversight. This position is ideal for a credit professional aiming for leadership responsibilities.

Requirements

• Post-secondary education in a relevant field (e.g., Finance, Business, Economics).
• 5+ years in credit analysis, underwriting, or lending in related fields (e.g., financial institution, specialty lender, fleet management & leasing, equipment leasing & finance, vehicle dealership).
• Track record of independently adjudicating commercial credit files with confidence and accuracy.
• Strong financial analysis skills: financial statements, cash flow, and collateral valuation.
• Experience with portfolio monitoring, PPSA/lien management, collections, and workout.
• Hands-on experience executing AML/FINTRAC compliance at the transaction level.
• Natural mentor – comfortable sharing knowledge and elevating the people around you.
• Proficiency with CRM platforms and Excel; strong attention to detail and file management.

Nice To Haves

• Enrollment in or completion of the Credit Institute of Canada FCI Program.
• CFA and/or CPA candidacy is an asset.

Responsibilities

• Independently adjudicate credit applications up to a defined limit, assessing borrower financials, collateral quality, and deal structure.
• Evaluate and recommend approval of credit as applications are submitted; communicate decisions clearly to Sales and management.
• Ensure deal structure is compliant with company credit policies prior to activation; complete pre-activation file audits within required turnaround times.
• Conduct annual reviews of existing commercial credit facilities and adjust credit lines as required.
• Contribute to the development and refinement of credit policies and underwriting guidelines.
• Interact directly with the Sales team and customers to obtain financial information and support credit decisions.
• Monitor assigned accounts for payment performance, early warning indicators, and portfolio trends across the book.
• Prepare portfolio reports including delinquency summaries, maturity schedules, and concentration analysis.
• Ensure all security interests are registered and renewed prior to expiry.
• Ensure all FINTRAC/Anti Money Laundering (“AML”) documentation is complete and current prior to deal activation.
• Support collections on delinquent accounts and assist with workout strategies, including customer bankruptcies.
• Coordinate with external parties (legal, repossession agents, remarketing) on enforcement files as needed.
• Provide day-to-day guidance and file review support to the Credit Analyst and Risk & Receivables Administrator.
• Support knowledge sharing, quality control, and best practice development within the credit team.
• Identify process improvement opportunities and contribute to workflow and documentation standards.

Benefits

• Competitive base salary + performance bonus
• Comprehensive health and dental benefits starting from day 1
• Hybrid work – Mississauga office with 1-2 days remote per week
• Collaborate with a talented and passionate team in a dynamic, fast-paced environment
• Freedom to innovate and ownership of your role – work on meaningful and challenging projects that have a direct impact on the business
• Direct mentorship from an experienced Credit Manager in a high-growth environment
• Full-cycle credit exposure – underwriting, portfolio management, collections, and compliance

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: Associate degree
• Number of Employees: 1-10 employees