Bilingual Credit Analyst

Job description

About Us A leader in automotive financing, Iceberg Finance is a Fintech company that has experienced exceptional growth in recent years, notably through the major acquisition of iFinance Canada in 2022. A finalist in 2022 and 2023 among the top lenders recognized by the Canadian Lender Association (CLA) , Iceberg Finance aims to rank among the top three specialized and alternative lenders in Canada within the next year. Position Summary Reporting to the Director of the Credit Department, the Credit Analyst will be responsible for evaluating automotive financing applications from individual customers, optimizing decision-making (speed and quality), preventing fraud, and ensuring regulatory compliance while delivering a smooth and efficient experience to partner dealerships. Key Responsibilities Analyze submitted applications, including identity, income, employment stability, credit history, outstanding debts, debt-to-income ratios, and repayment capacity. Assess vehicle collateral: market value, loan-to-value (LTV), mileage, model year, wear and tear, and accident history reports. Identify fraud indicators (document inconsistencies, falsified pay stubs, address discrepancies, contract manipulation, straw buyers, etc.). Apply risk policies: approval thresholds, pricing matrices based on credit score and term, maximum advances, down payments, and guarantees. Recommend deal structures: loan term, down payment, co-borrower, ancillary products, etc. Communicate with dealership partners (F&I teams) to clarify and complete files, accelerate approval cycles, and improve funding ratios. Document decisions (notes, justifications, supporting documents) and participate in post-funding reviews (verifications and quality audits). Skills and Qualifications Experience in financing, administration, or a related field. Bilingual: English and French . 2 to 5+ years of experience in consumer credit; automotive finance experience is an asset. Exceptional attention to detail and strong verification rigor. Proficiency with computer tools (Outlook, Teams, Word, Excel, etc.). Ability to work collaboratively in a fast-paced environment and meet tight deadlines. Strong written and verbal communication skills. Terms and Benefits Full-time position, 40 hours per week On-site schedule: Monday to Friday Comprehensive group benefits plan starting on day one, including health and dental insurance Employer contribution to an RRSP Stimulating and collaborative work environment within a fast-growing company On-site parking available 3 weeks of vacation , with additional time off offered