Credit Manager

Jim Peplinski Capital•Mississauga, ON

7h•CA$110,000 - CA$147,500

About The Position

Jim Peplinski Capital (JPC) has been financing vehicles and equipment for Canadian businesses for more than 35 years. We are growing, and we are looking for a Credit Manager who likes to make decisions, solve problems and get things done. Credit is a big part of how we compete. We want to make strong credit decisions quickly, find a way to say yes when the deal makes sense, and know when to say no.

Requirements

6–10 years of experience in credit risk, underwriting or portfolio management within consumer and business lending.
Experience in fleet management, automotive finance, equipment finance, or specialty lending.
Ability to read financial statements and understand the story behind the numbers.
Comfortable making a decision with incomplete information.
Ability to balance risk with the commercial reality of getting deals done.
Willingness to engage in difficult conversations with customers or internal teams.
Understanding of collections, workouts, collateral and lien management.
Comfortable rolling up your sleeves and fixing a process when it isn’t working.
Ability to lead a small team without needing layers of management around you.
Good judgment, clear communication, and ownership.
Post-secondary education in Finance, Business, Economics or a related field.
Experience with AML/FINTRAC obligations in a lending context.

Responsibilities

Review and approve commercial and individual credit applications.
Analyze financial statements, cash flow, collateral and deal structure and make clear, timely decisions.
Work with Sales to find practical solutions and structure deals that work for both JPC and the customer.
Develop pricing and terms that reflect the risk in each deal.
Set and improve credit policies, underwriting standards and approval guidelines.
Monitor the portfolio and stay on top of delinquencies, losses, concentrations and emerging problems.
Get involved when accounts go sideways – collections, workouts, repossessions, insurance claims and recoveries.
Review credit lines and make sure security, PPSA, AML/FINTRAC and other requirements are properly maintained.
Help build better systems and processes, including automated credit decisioning.
Report on portfolio performance and flag problems before they become bigger problems.
Lead and coach a team of three credit professionals.