Credit Adjudicator

LE001 Fairstone Financial Inc.; Canada; Hybrid; CAD 48,000 - 64,000; Full time

Benefits offered by this job

Hybrid work model

Top Employer award

Wellness days

Health & dental coverage

Retirement savings plan

Gym access

Job summary

Fairstone Bank in Canada is seeking a Credit Adjudicator to review and adjudicate vehicle loan applications, assessing creditworthiness based on history, income and collateral. You will ensure timely, accurate decisions in a fast-paced environment while following credit policy.

You'll collaborate with Sales, Income, Funding and our dealer partners, perform detailed document reviews, and provide prompt, customer-oriented service.

Qualifications

• Follow detailed credit policy guidelines and review credit applications and credit bureau reports.
• Thrive in a fast-paced environment with strong attention to detail.
• Proficient with Microsoft Office Suite and Outlook.
• Available to work all shifts listed in the job description.
• At least 1 year of experience as a credit analyst or loan underwriting in a financial institution or auto industry.
• Experience with loan origination software.
• Post-secondary education in Finance or Business Administration.

Responsibilities

• Review and adjudicate vehicle loan applications.
• Assess creditworthiness based on credit history, income and collateral.
• Ensure timely and accurate assessments following credit policy.
• Provide prompt, customer-oriented service to stakeholders.

Skills

Credit analysis

Attention to detail

Customer service oriented

Education

Finance degree

Tools

Microsoft Office

Outlook

Job description

Who we are

Fairstone Bank and its family of brands are united in delivering innovative, accessible and reliable financial solutions that enable Canadians to reach their goals. Over the years, our brand family has grown. In 2024, Home Trust Company, Home Bank and Oaken Financial became part of the Fairstone Bank family of brands, alongside Fairstone, EdenPark and Fig. Together, we are the leading alternative lending bank in Canada. With a diverse suite of products—residential and commercial mortgages, consumer deposits and GICs, credit cards, retail and automobile financing, personal loans and digital lending—we offer financial solutions tailored to all Canadians, including newcomers, small‑business owners, smart investors and savvy consumers. Eden Park Inc. (“EdenPark”) is a dynamic automobile finance brand committed to enabling our dealer partners to sell more cars. Since 2012, EdenPark has serviced a wide network of automobile dealers and tens of thousands of consumers from coast to coast.

Join Eden Park as a Credit Adjudicator, reporting to a Manager, and be part of our talented and growing team!

About the role

Review and adjudicate vehicle loan applications by assessing an applicant’s creditworthiness based on credit history, income and employment, and collateral valuation. Ensure loan applications are assessed accurately and timely in a fast‑paced environment. Closely follow credit policy rules to ensure risk parameters are consistently followed. Willingness to thrive in a customer service focused and teamwork setting working with other departments in Sales, Income, Funding and with our Dealers partners. Execute detailed document review ensuring all assigned documents are accurate, complete, properly executed, and registered as required. Provide prompt, efficient, detailed customer‑oriented service to all stakeholders.

What we’re looking for

• You can follow detailed credit policy guidelines and carefully review credit application and credit bureau report details.
• You thrive in a fast‑paced environment and have strong attention to detail.
• You are tech‑savvy and know your way through Microsoft Office Suite and Outlook.
• You must be available to work all shifts mentioned in the job description.
• You have at least 1 year of prior experience as a credit analyst or experience in loan underwriting, experience in a financial institution or within the auto industry.
• Previous experience working with loan origination software.
• Post‑secondary education in Finance or Business Administration.
• Hours of operation are between 8 AM to 10 PM EST from Monday to Friday and on Saturday from 9 AM to 8 PM EST. Weekday shifts are primarily set schedules while Saturday start times will be on a rotation (early, mid‑day & late shift).

What you’ll love about working here

• Award‑Winning Culture: We’re proud to be recognized as a Great Place to Work Canada 2025 and one of Montreal’s Top Employers 2025 by Canada’s Top 100 Employers.
• Work‑Life Balance: Enjoy flexibility with our hybrid work model designed to support your lifestyle.
• Time to Recharge: Generous vacation based on your role, statutory holidays, plus 6 wellness days to prioritize your well‑being.
• Compensation Package: Competitive base salary plus an annual incentive bonus tied to performance.
• Comprehensive Benefits: Robust health and dental coverage through Manulife, as well as virtual healthcare through Dialogue.
• Future‑Ready Savings: Group Retirement Savings Plan with up to 7% employer match.
• Exclusive Perks: Discounts from top retailers via WorkPerks, plus location‑based perks like gym memberships and Toronto Bike Share.
• On‑Site Fitness: Gym access at our London and Montreal offices.
• Continuous Growth: Education Assistance Program and Fairstone Academy for training and skill development.
• Family Support: Parental leave top‑up program to help you during life’s big moments.

For more information on who we are as an employer click here. Learn more: https://www.fairstone.ca/en/about/canadian-lender Follow us on LinkedIn: https://www.linkedin.com/company/fairstone/mycompany/ If you have a preferred language for communication, please kindly inform us whether you prefer French or English on your application. Fairstone is an equal opportunity employer. Accordingly, we will make reasonable accommodations to respond to the needs of people with disabilities. Individuals who view themselves as Aboriginals, members of visible minorities, and disabled are encouraged to apply in confidence.

Time Type: Full time Job Type: Permanent RECOGNIZED AS ONE OF MONTREAL'S TOP EMPLOYERS (2025) Fairstone Bank of Canada and its subsidiaries, including Fairstone Financial Inc. and Home Trust Company, deliver innovative, accessible and reliable financial solutions that enable Canadians to reach their financial goals. Collectively, we offer residential and commercial mortgages, consumer deposits and GICs, retail and automobile financing, credit cards and digital lending, in addition to unsecured and secured personal loans online and at more than 255 branches coast to coast. With a long‑established history, we are proud to be Canada's leading alternative lending bank. More at FairstoneBank.ca