Credit Adjudicator

LE001 Fairstone Financial Inc.; Toronto, Montreal; Hybrid; CAD 45,000 - 53,000; Full time

Benefits offered by this job

Award-Winning Culture

Hybrid Work Model

Generous Vacation

Health & Dental Coverage

Job summary

Fairstone Bank is seeking a Credit Analyst to review and adjudicate vehicle loan applications, assessing creditworthiness based on history, income, and collateral. You will ensure timely, accurate decisions in a collaborative, customer-focused environment.

You will follow credit policy strictly, monitor risk parameters, and work withSales, Funding, and Dealer partners. A Finance or Business Admin background is preferred, with 1+ year experience and familiarity with loan origination software.

Qualifications

• Follow detailed credit policy guidelines and review credit applications and bureau reports.
• Thrives in fast-paced environments with strong attention to detail.
• Tech-savvy with Microsoft Office Suite and Outlook.

Responsibilities

• Review and adjudicate vehicle loan applications for creditworthiness.
• Ensure timely and accurate assessment and document review.
• Follow risk parameters and credit policy consistently.
• Provide prompt, customer-oriented service to stakeholders.

Skills

Credit policy adherence

Attention to detail

MS Office & Outlook

Shift flexibility

Credit analyst / loan underwriting

Loan origination software

Education

Finance or Business Administration

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.

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.

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.

What you can expect - pay & process:

Expected base salary ranges from $44,850 to $53,000 per annum. This posting is for an existing temporary vacancy within our organization. Artificial intelligence may be used in parts of the recruitment process. All candidates considered for hire must successfully pass a criminal background check, credit check, and validation of their work experience to qualify for hire.

Employment terms:

Time Type: Full time Job Type: Permanent

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.

You must be available to work all shifts mentioned in the job description.

This posting is for an existing temporary vacancy within our organization.

Equal opportunities:

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.

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