Credit Specialist

Rogers TV; Toronto; On-site; CAD 75,000 - 90,000; Full time

Job summary

A financial services provider in Toronto is seeking a Credit Specialist to join their Bank Credit Risk team. In this role, you will underwrite credit applications, monitor service providers to ensure compliance, and assist in the development of credit policies. The ideal candidate has 3-5 years of credit industry experience and enjoys working in a fast-paced environment. This position offers competitive salary, flexible benefits, and growth opportunities.

Benefits

Competitive salary & annual bonus

Health and dental benefits

Pension plan and stock matching

Discounts on services and products

Paid time off for volunteering

Employee wellness programs

Qualifications

• Minimum 3-5 years credit industry experience required.
• Experience in retail/credit card underwriting preferred.
• Strong ability to adapt and reprioritize in a fast-paced environment.

Responsibilities

• Underwrite credit applications and review customer credit histories.
• Monitor outsourced service providers to meet SLAs and standards.
• Assist in developing and optimizing credit policies and processes.

Skills

Credit industry experience

Good verbal and written communication

Time management skills

Ability to work independently

Strong organizational skills

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 TV

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 deemed useful in determining credit worthiness; proactively contact customers for additional documentation as required.
• Monitor and validate the work done by outsourced service providers in working credit queues for new applications as well as credit limit increase requests, ensuring 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; proactively 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 informed of issues or developments that could impact 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 : 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), Rogers First priority in internal roles
• Wellness Programs : Homewood employee & family assistance program, CBT & virtual therapy, low or no-cost fitness membership with virtual classes
• Commitment to environment and diversity : environmental protection, strong diversity and inclusion with employee resource groups

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, and a final round virtual interview with Director of the team.

To protect our people, brand and assets, a pre-employment background check will be conducted. 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

Note

Posting Notes : Rogers Bank. Location : Toronto, ON. Being a Rogers team member comes with perks including health benefits, donation matching, paid time off for volunteering, pension / stock options, generous discounts, and development programs. This posting includes standard diversity and inclusion information and recruitment notes.

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