Credit Adjudicator

LE001 Fairstone Financial Inc.; Montreal; On-site; CAD 60,000 - 90,000; Full time

Benefits offered by this job

Competitive base salary + annual bonus

Health and dental coverage

Group retirement savings plan with 7%+

WorkPerks discounts

Gym access at Montreal offices

Fairstone Academy for training

Parental leave top-up

Job summary

Fairstone Bank is recruiting a Bilingual Credit Adjudicator in Montreal to review vehicle loan applications, assess creditworthiness, and ensure policy-compliant decisions. You will collaborate with sales and dealer partners, performing detailed document reviews and delivering timely, customer-focused service.

The role requires English/French proficiency, 1+ year of credit/loan underwriting experience, and familiarity with loan origination software.

Qualifications

• Follow detailed credit policy guidelines and review credit applications and bureau details.
• Thrive in a fast-paced environment with strong attention to detail.
• Proficient with Microsoft Office and Outlook.
• Available to work all shifts as described in the job posting.
• Fluent in English and French for communication with dealers and customers across Canada.
• At least 1 year of credit analyst or loan underwriting experience.
• Experience with loan origination software.
• Post-secondary education in Finance or Business Administration.

Responsibilities

• Review and adjudicate vehicle loan applications based on credit history, income and collateral.
• Ensure timely and accurate assessment following policy rules.
• Collaborate with Sales, Income, Funding and Dealer partners.
• Provide prompt, customer-oriented service to stakeholders.
• Perform detailed document review and ensure proper execution and registration.

Skills

Credit policy guidelines

Attention to detail

MS Office Suite

Bilingual English/French

Credit analyst experience

Loan origination software

Education

Finance or Business Administration

Tools

Loan origination software

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 Bilingual Credit Adjudicator, reporting to Senior 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.
• Proficient English and French required to communicate with automobile dealers and customers across Canada; used daily in interactions. (50% English and 50% French)
• 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.

What you’ll love about working here:

• 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.

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. Option of permanent Saturday shift with the option of Wednesday or Thursday off; schedules are completed 6 months in advance, and our team is very accommodating with switching when required with notice. Weekday shifts are primarily set schedules while Saturday start times will be on a rotation (early, mid-day & late shift).

Time Type: Full time

Job Type: Permanent

RECOGNIZED AS ONE OF MONTREAL'S TOP EMPLOYERS (2025)

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.

If you have a preferred language for communication, please kindly inform us whether you prefer French or English on your application.

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/.

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