Credit Specialist

Rogersbank; Toronto; On-site; CAD 65,000 - 85,000; Full time

Job summary

A leading financial services institution in Toronto is seeking a Credit Specialist to join their team. The role involves underwriting credit applications, monitoring compliance, and supporting outsourced service providers. Ideal candidates will bring 3-5 years of credit industry experience and a proactive approach to working independently. The position offers competitive salary, benefits, and growth opportunities within a supportive and inclusive workplace.

Benefits

Competitive salary & annual bonus

Flexible health and dental benefits

Discounts on services and products

Paid time off for volunteering

Growth and development opportunities

Wellness programs

Qualifications

• Minimum 3-5 years of experience in the credit industry.
• Experience in retail/credit card underwriting is preferred.
• Ability to work independently with minimal supervision.

Responsibilities

• Underwrite credit applications and limit increases.
• Monitor outsourced service provider work for compliance.
• Perform periodic reviews of high exposure accounts.

Skills

Credit industry experience

Verbal communication

Written communication

Time management

Organizational skills

Adaptability in a fast-paced environment

Education

Post-secondary education or equivalent work experience

Tools

TSYS TS2

ADM

Job description

Overview

Join to apply for the Credit Specialist role at Rogers Bank.

Looking to join a growing financial services team? Rogers Bank, a subsidiary of Canada's leading wireless, cable and media company, is expanding and seeking passionate individuals to develop and implement innovative financial solutions and experiences. The bank offers unique cash-back benefits and financing options for Rogers purchases using cutting-edge technology. Interested? Take the next step and consider this opportunity to make a meaningful impact with Rogers Bank.

Who We Are Looking For

As a member of the Bank Credit Risk team, the Credit Specialist is responsible for a variety of credit granting and related functions in accordance with sound credit-granting principles and in compliance with Bank policies and procedures. The role will inspect and validate the work done by others including third party outsourced service providers to ensure accurate and cost-effective service delivery to Rogers Bank.

What You’ll Do

• Underwriting of credit applications or requests and credit limit increases that exceed dollar thresholds or parameters of authority granted to third party service providers by reviewing and assessing factors such as customer credit history, credit utilization, and ability to pay (capacity).
• Employ credit risk assessment data sources and analytical tools such as credit bureau reports, bank and trade references, budgetary information, and other sources useful in determining credit worthiness; proactively contact customers for additional documentation as required.
• Monitor and validate the work done by outsourced service providers in credit queues for new applications and credit limit increase requests, ensuring that SLAs are met and escalations are handled per standard operating procedures.
• Assist with review and working of certain application queues as needed.
• Perform periodic reviews on high exposures for individual clients.
• Perform assessments on potentially fraudulent or non-compliant accounts and coordinate activities with other Bank departments accordingly.
• Assist in the development and documentation of operational process flows, balancing and audit functions, and standard operating procedures to be followed.
• Assist in the development and execution of improvements in acquisition strategies, line management and credit policies procedures. Proactively make recommendations to streamline processing and enhance the customer experience.
• Share responsibility for achieving key portfolio performance metrics.
• Ensure compliance with all internal and external Privacy, AML, and other regulations.
• Ensure department management is kept informed of any issues or developments that could impact the overall risk of the program being supported.
• Other duties as assigned.

What You Bring

• Minimum 3-5 years credit industry experience
• Experience with TSYS TS2 and ADM is preferred
• Experience in retail / credit card underwriting is preferred
• Post secondary education or equivalent work experience
• Good verbal and written communication and time management skills
• Ability to work independently with minimal supervision
• Strong organizational and time management skills
• Ability to adapt and reprioritize in a fast-paced, changing work environment

What’s in it for you?

We believe in investing in our people and helping them reach their potential as valuable members of our team. As part of our team, you’ll have access to a wide range of resources, growth opportunities, discounts, and perks, including :

• Competitive salary & annual bonus
• Competitive & flexible health and dental benefits, pension plan, RRSP, TFSA, and Stock matching programs
• Discounts including up to 50% off Rogers services and Blue Jays tickets, 25% off TSC items, and 20% discount on wireless accessories
• Paid time off for volunteering
• Company matching contributions to charities you support
• Growth & Development Opportunities
• Self-driven career development programs (e.g., MyPath program)
• Rogers First priority in applying to internal roles of interest
• Wellness Programs
• Homewood employee & family assistance program
• Cognitive Behavioural Therapy (CBT) & Virtual therapy sessions
• Low or no-cost fitness membership with access to virtual classes
• Our commitment to the environment and diversity
• Work for an organization committed to environmental protection
• Strong commitment to diversity and inclusion with employee resource groups supporting equity-deserving groups including People of Colour, 2SLGBTQIA+, Indigenous Peoples, Persons with Disabilities and Women

What to expect in the recruitment process

If you are selected to move forward in the recruitment process, here is what you can expect :

• 15-minute phone screen with your recruiter, an interview with Hiring Manager, a final round virtual interview with Director of the team. Best of luck!

To protect our people, brand and assets, a pre-employment background check will be conducted. As part of our selection process, all candidates must clear a criminal background check. Additionally, a credit check and drivers abstract may be required depending on the role.

Schedule: Full time

Shift: Day

Length of Contract: Not Applicable (Regular Position)

Work Location: 1 Mount Pleasant (083), Toronto, ON

Travel Requirements: None

Background Check(s) Required: Criminal Record and Credit Check

Posting Category / Function: Banking & Credit Risk

Requisition ID: 326153

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