Credit Analyst

Mitsubishi HC Capital Canada and its parent company, Mitsubishi HC Capital America, form the largest non-captive, non-bank commercial finance company in North America, constantly growing and transforming to contribute to a prosperous and sustainable future, creating social value by optimizing the potential of assets.

Joining Mitsubishi HC Capital Canada means being part of an experienced team offering flexible and tailored commercial financing solutions to Canadian businesses.

We stand out thanks to a collaborative culture focused on the well-being of our employees, accountability, and career development, an open mind, inclusivity, and positive leadership in our daily activities!

Additionally, a specialized sales team in sustainable development and a community action committee allow us to make a significant social and environmental impact. About:

Join our dynamic risk management team as a Credit Analyst, where you will leverage your analytical skills and credit expertise to make informed decisions that will shape our success. Under the responsibility of the Credit Team Lead, you will play a crucial role in evaluating financial data, formulating recommendations, and demonstrating discernment in credit analysis.

Responsibilities

• Approve and make decisions on transactions within the credit delegation granted to you.
• Present and recommend to your manager transactions exceeding your credit delegation, evaluating the total exposure and credit risk accurately.
• Analyze the financial situation, references, solvency, and repayment capacity of applicants.
• Collaborate with sales teams, vendor representatives, and brokers to negotiate terms.
• Conduct thorough research on individuals, companies, and guarantees to ensure compliance with solvency standards and "Know Your Customer" protocols.
• Communicate decisions to applicants, providing clear explanations and possible alternatives.
• Work cross-functionally with different departments to achieve common goals.
• Participate in various projects, bringing your expertise to achieve results.
• Undertake other tasks related to the role assigned to you.

Qualifications

• You hold a bachelor's degree in business administration - finance or accounting OR any other equivalent degree;
• At least 2 years of relevant experience in similar roles such as:
• + Consulting services, including financial statement analysis
• + Credit analysis, risk management
• Expertise in financial statement analysis and credit reporting.
• Strong interpersonal communication skills and a collaborative spirit.
• Ability to thrive in a dynamic and constantly evolving environment.
• Proficiency in Microsoft Office suite, particularly Excel.
• Bilingual French-English to adequately serve our teams and clients across Canada.
• Strong analytical, judgment, synthesis, and organizational skills.

What we offer

• Full-time permanent position
• Hybrid and flexible work environment allowing for work-life balance
• Opportunity to work at the Trois-Rivières offices
• Vacation and mobile leave upon joining
• Personal spending account
• Competitive compensation plan including a bonus program;
• Collective pension plan including employer contribution
• Comprehensive collective insurance program paid partially by the company.
• Several professional growth opportunities and access to an online training platform;
• Well-being program focused on mental, physical, financial, and social health;
• Employee and family assistance program available at all times

If this position is not exactly what you are looking for, but you would like to join our team, please visit here: https://workforcenow.adp.com/mascsr/default/mdf/recruitment/recruitment.html?cid=b3ef4f03-f8ff-4ded-80c8-6dd5c5a224f7&ccId=9200144510729_2&lang=fr_CA&selectedMenuKey=CurrentOpenings *We thank all candidates for their interest in the job offer, but only the selected candidates will be contacted.*

Mitsubishi HC Capital Canada values diversity and is committed to accessibility. If you require accommodations due to a disability, please inform the recruitment responsible human resources person.