Credit Specialist

Rogers Communications, Inc.; Toronto; On-site; CAD 70,000 - 90,000; Full time

Job summary

A leading financial services provider is looking for a Credit Specialist in Toronto. In this role, you will be responsible for credit risk assessment, underwriting applications, and ensuring compliance with banking standards. The ideal candidate has 3-5 years of credit industry experience and skills in communication and time management. The position offers competitive salary, benefits, and professional development opportunities.

Benefits

Competitive salary & annual bonus

Health and dental benefits

Discounts on Rogers Services and products

Paid time off for volunteering

Wellness Programs

Environmental and diversity commitments

Qualifications

• Minimum 3-5 years credit industry experience required.
• Experience with retail/credit card underwriting preferred.
• Good written and verbal communication skills essential.

Responsibilities

• Underwriting of credit applications and limit increases.
• Monitoring outsourced service providers' performance.
• Perform assessments on potentially fraudulent accounts.

Skills

Credit industry experience

Communication skills

Time management skills

Organizational skills

Ability to work independently

Education

Post secondary education or equivalent work experience

Tools

TSYS TS2

ADM

Job description

Credit Specialist

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 be required to 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 various 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 any other sources deemed useful in determining credit worthiness, and proactively contact customers for additional documentation as required.
• Monitoring and validation of the work done by outsourced service providers in working credit queues for new applications as well as credit limit increase requests, ensuring that SLAs are being met and that escalations are being done in accordance with 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\u2019s in it for you?

We believe in investing in our people and helping them reach their potential as valuable members of our team. You\u2019ll have access to 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 all wireless accessories sold in Rogers stores
• Paid time off for volunteering
• Company matching contributions to charities you support
• Rogers First: priority in applying to internal roles of interest
• Wellness Programs: Homewood employee & family assistance program, CBT & Virtual therapy sessions, low-cost fitness membership with virtual classes
• Environmental and diversity commitments: environmental protection and diversity and inclusion with employee resource groups

To protect our people, brand and assets, a pre-employment background check will be conducted. All candidates must clear a criminal background check. 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