Bilingual Credit Analyst - SMB (Contract)

Moneris Solutions Corp; Toronto; Hybrid; CAD 72,000 - 83,000; Full time

Job summary

Moneris Solutions Corp in Etobicoke is seeking a Bilingual Credit Analyst, Small-to-Medium Business, to analyze merchant credit applications, assess risk, and support credit decisions.

You will apply underwriting criteria, review financial information, and collaborate with fraud and risk teams while balancing in-office collaboration with remote flexibility.

Qualifications

• 1–3 years of experience in credit analysis, risk assessment, underwriting, financial analysis, or related field.
• Bachelor’s degree or equivalent work experience may be considered.
• Fluency in French and English.
• Experience reviewing personal and commercial credit bureaus or financial statements.
• Demonstrated analytical skills evaluating financial and credit information.
• Business acumen and ability to assess risk with sound judgment.
• Experience in the payments industry is a plus.

Responsibilities

• Apply underwriting criteria to evaluate merchant applications and mitigate risk.
• Perform credit risk assessments of high‑risk merchants and analyze business operations, financials, and fraud risk factors.
• Collaborate with internal teams to support credit training, fraud detection, and monitoring activities.
• Provide guidance to merchants on complex account setups and explain credit policies and decisions.
• Provide backup support to other Credit Analysts and assist with peak volumes and special projects.

Skills

Credit analysis

Bilingual English/French

Financial analysis

Risk assessment

Payments industry experience

Analytical skills

Education

Bachelor’s degree in Business/Accounting/Finance

Tools

Credit analysis tools

Job description

Your Moneris Career - The Opportunity

As a Bilingual Credit Analyst, Small-to-Medium Business (SMB), you will perform credit analysis for prospective and existing merchants, assess financial risk, and provide support on credit-related matters to assigned merchant accounts.

Contract Term: 12 months. Location: You will be based in our Etobicoke office, balancing in-office collaboration with remote flexibility. Reporting Relationship: You will report to the Manager, Credit - SMB. Posting Type: Replacement. Salary Range: The expected base salary range for this role is $72,000 - $83,000 Total compensation may also include variable or discretionary incentive components, including but not limited to bonuses and commissions. Individual job offers are determined by various factors, including experience, education, skills, certifications, and other business needs.

What you'll do

Apply established underwriting criteria and credit policies to evaluate merchant applications and mitigate financial risk. Conduct post-review assessments for merchants requesting processing line increases or requiring re-adjudication due to volume, transaction size, or fraud-related triggers. Perform credit risk assessments of high-risk merchants, including analysis of business operations, financial profiles, regulatory requirements, and fraud risk factors. Analyze personal, business, and financial information to support credit decisions. Partner with internal teams and external sources to support credit training, fraud detection, and monitoring activities. Provide guidance to merchants on complex account setups and explain credit policies and credit-related decisions. Collaborate with the Moneris Fraud team to monitor and assess the activity of selected high-risk merchants. Provide backup support to other Credit Analysts, including assistance with special projects, peak volumes, and coverage requirements.

What you bring

• 1 to 3 years of experience in credit analysis, risk assessment, underwriting, financial analysis, or a related field.
• Bachelor’s degree in Business, Accounting, Finance, or a related discipline. Equivalent work experience may be considered.
• Fluency in French and English.
• Experience reviewing personal credit bureaus, commercial credit bureaus, or financial statements.
• Demonstrated analytical skills with experience evaluating financial and credit-related information.
• Business acumen and the ability to assess risk using sound judgment.
• Experience that would set you apart: Experience in the payments industry.

What you get

A workplace committed to investing in Diversity, Equity and Inclusion (DEI) through various initiatives including, employee inclusion groups (EIGs), mentorship, DEI learning and workshops, educational events, and various resources including an internal DEI website. Learning & development programs and resources to grow your career.

Note: We welcome and encourage applications from Indigenous peoples, people of colour, people with disabilities, people of all genders, sexual orientation and intersectional identities.

AI Disclosure: We may use AI-enabled tools to screen, select, and assess applications. All AI outputs are reviewed and validated by our recruitment team. We acknowledge that people from equity-deserving groups (including racialized individuals, women, gender diverse individuals, individuals with disabilities, neurodivergent individuals, members of 2SLGBTQIA+ communities and those born outside of Canada) are less likely to apply for jobs unless they feel they meet all the requirements posted.

Meet Moneris. We’re the original Canadian fintech. Powering businesses—from the smallest micro-merchant to large enterprises—with the commerce solutions, expert knowledge and local support they need to reach their full potential. That’s why we exist. For 25 years and counting, we’re proud to be the partner Canadians rely on to kickstart their dreams online, expand to a brick-and-mortar space or find new ways to connect with customers in their community and beyond. Our commitment to you. From coast to coast to coast, Moneris is proudly powering Canadian commerce for businesses, big and small. Our success is rooted in the dedication of our team members, whose skills, talent, and passion make it all possible. We provide resources, opportunities and an inclusive environment that empower our people to drive their careers forward and, together, create a positive impact on Canadian businesses. Powering Canadian commerce. Empowering you. Recognized for Inclusion Moneris is proud to be recognized as a 5-Star DEI Employer, reflecting our commitment to creating an inclusive, welcoming workplace where everyone belongs. Moneris.com/careers