Senior Credit Analyst

EQ Bank | Equitable Bank • Oakville, ON

2d • Onsite

About The Position

This position is being recruited by EQB on behalf of our wholly owned subsidiary, Bennington Financial Corp. Bennington Financial Corp plays a critical role within EQB’s ecosystem, specializing in commercial equipment financing and leasing. It extends EQB’s reach beyond traditional banking into a highly specialized and fast-growing segment of the financial services landscape. Joining Bennington means: Being part of the EQB family, with the stability, scale, and purpose of a leading Canadian challenger bank, Working within a specialized, entrepreneurial business where your contributions are highly visible and impactful, Supporting a business that operates at the intersection of bank-grade governance and commercial finance agility, Helping shape compliance, risk, and operational excellence in a business that directly enables Canadian companies to grow. This role offers the best of both worlds: the backing, resources, and long-term vision of EQB, combined with the pace, ownership, and influence that comes from working within a focused subsidiary like Bennington. If you’re looking for an opportunity where your expertise matters, your voice is heard, and your work directly supports both innovation and growth—Bennington Financial Corp, powered by EQB, is a compelling place to build your next chapter!

Requirements

• Minimum of 10+ years of direct credit analysis experience, ideally in the Leasing sector.
• Knowledge of Canadian lease structures and leasing processes.
• In-depth ability to read and interpret financial statements.
• Attention to accuracy and detail.
• Willing and able to find a solution with a can do attitude.
• Learn and adapt quickly.
• Remain calm under pressure in a deadline oriented environment.
• Effectively manage competing priorities and timelines.
• Interact and communicate effectively with internal and external customers.
• Work independently without direct supervision.
• Proficient in Word, Excel.
• Able to learn new systems quickly.
• All final hiring decisions will be made by the hiring team to ensure a fair and thorough assessment.

Nice To Haves

• Bilingualism in English and French is an asset.

Responsibilities

• Responsible for mid-ticket credit adjudication, $250,000 and up, complex deals and making recommendations regarding deal acceptance, pricing and structure for all Bennington brands (Equirex, Kempenfelt and Bodkin).
• Responsible for working with our broker partners on each approval until such time as the deal closes.
• Making structural changes to the approval, negotiating rates and terms to ensure the deal closes and Bennington’s best interests are achieved.
• Negotiating over the phone with the brokers and/or lessee.
• Creating custom structured approvals, within defined guidelines.
• Maintain acceptable default and loss standards as determined by the Bennington senior management team.

Benefits

• Competitive discretionary bonus
• Market leading RRSP match program
• Medical, dental, vision, life, and disability benefits
• Employee Share Purchase Plan
• Maternity/Parental top-up while you care for your little one
• Generous vacation policy and personal days
• Virtual events to connect with your fellow colleagues
• A fulfilling opportunity to join one of the top FinTechs and help create a new kind of banking experience

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: Associate degree