Credit Analyst

Jim Peplinski Capital•Mississauga, ON

11d•Hybrid

About The Position

Jim Peplinski Capital is seeking a Credit Analyst to join their team. This role is responsible for executing the day-to-day credit function, including underwriting new applications, conducting annual reviews, portfolio monitoring, collections support, and Anti Money Laundering (AML)/FINTRAC compliance. The company is a trusted partner in fleet management for over 35 years, providing integrated capital and fleet solutions. In this role, you will develop into a well-rounded credit professional and contribute to redefining fleet financing in Canada.

Requirements

Post-secondary education in a relevant field (e.g., Finance, Business, Economics)
3-5 years in credit analysis, underwriting, or lending in related fields (e.g., financial institution, specialty lender, fleet management & leasing, equipment leasing & finance, vehicle dealership)
Ability to read and interpret financial statements and assess credit risk on commercial files
Understanding of secured lending, collateral-based structures, and PPSA/lien registration
Collections or delinquency management experience is required
Hands-on experience executing AML/KYC compliance requirements
Proficiency with CRM platforms and Excel
Strong attention to detail and file management

Nice To Haves

Workout exposure is a strong asset
Enrollment in or completion of the Credit Institute of Canada FCI Program

Responsibilities

Review and process daily credit applications for vehicle and equipment financing, including financial statements, credit bureau reports, and collateral documentation.
Prepare credit write-ups and recommendations for adjudication, communicating findings clearly to the Credit Manager.
Ensure deal structure is compliant with company credit policies prior to activation.
Complete pre-activation file audits, ensuring company-mandated and regulatory requirements (including AML/FINTRAC), insurance, registration, and security interests are met within required turnaround times.
Conduct annual reviews of existing commercial credit facilities and adjust credit lines as required.
Interact directly with the Sales team and customers to obtain financial information and support credit decisions.
Monitor assigned accounts for payment performance and early signs of borrower stress.
Prepare portfolio reports including delinquency summaries, maturity schedules, and concentration analysis.
Maintain complete and accurate credit documentation in the CRM and internal systems.
Ensure all security interests are registered and renewed prior to expiry.
Support collections on delinquent accounts through borrower communication and account documentation.
Assist with workout strategies for problem accounts, including customer bankruptcies.
Coordinate with external parties (legal, repossession agents, remarketing) on enforcement files.
Execute FINTRAC compliance requirements at the transaction level, verifying that all customer AML/Know Your Client (KYC) documentation is complete and in place prior to deal activation.
Maintain accurate compliance records within the CRM and internal systems in accordance with the Credit Manager’s oversight framework.