Senior Credit Analyst - ACC

CanCap Management Inc.; Mississauga; Hybrid; CAD 50,000 - 65,000; Full time

Job summary

AutoCapital Canada Inc. is seeking a Senior Credit Analyst to report to the Credit Manager. You will weigh risk, approve high-quality lending decisions, and support junior analysts while handling complex files related to vehicle loan applications.

The role operates in a hybrid structure (50% in-office, 50% remote) in Mississauga, Canada, with responsibilities spanning risk assessment, dealer communications, and process improvements, ensuring timely and accurate credit approvals.

Qualifications

• 3–5 years of experience in credit adjudication, underwriting, or a related lending role.
• Strong computer and technical skills, with the ability to work across multiple platforms.
• Ability to multitask in a fast-paced environment.
• Excellent organizational skills and attention to detail, with the ability to spot inconsistencies.
• Solid interpersonal and team-building skills and customer service focus.

Responsibilities

• Reviewing and adjudicating vehicle loan applications, including complex and higher-exposure files.
• Assess customers’ creditworthiness based on history, affordability, and collateral valuation.
• Communicate with dealers and sales team via phone and email about active applications.
• Answer inbound dealer inquiries and negotiate terms of credit approval.
• Provide guidance to junior analysts and mentor new staff.
• Identify trends and opportunities for process improvement with the Credit Manager.
• Support training and development of team members.
• Balance multiple applications with resubmissions and rush requests.

Skills

Credit adjudication

Underwriting

Communication with dealers

Analytical thinking

Mentoring

Job description

Salary Range: $50,000.00 To $65,000.00 Annually

AutoCapital Canada Inc. is part of privately-owned Canadian national financial services company with multiple verticals across automotive, consumer, and merchant lending portfolios. We manage the entire lifecycle of the finance receivable from credit adjudication through to contract administration, customer service, default management and post charge-off recoveries. AutoCapital Canada works with Automobile Dealer Partners to help clients finance the purchase of new and used vehicles.

When it comes to our customers, partners, and each other, we are always motivated by doing the “right thing”. We are always looking to find the best people and the right methods that allow us to meet this goal and look to the future for growth.

About the Role:

What your day and week could look like

Reporting to the Credit Manager, the Senior Credit Analyst plays a key role in carrying out our risk strategy, weighing situational risk, and issuing high-quality approvals that grow our portfolio. As a senior member of the team, you will also handle more complex files and help support and develop other analysts. This includes:

• Reviewing and adjudicating vehicle loan applications, including complex and higher-exposure files, by assessing customers’ creditworthiness based on credit history, affordability, and collateral valuation
• Making accurate and timely credit decisions in a fast-paced environment, in line with company policies and procedures
• Conducting preliminary validation of application details
• Communicating with dealers and the sales team about active applications by phone and email
• Promptly answering and responding to inbound calls from dealer partners about prime credit activities
• Making outbound calls to dealers to obtain additional information on applications and to negotiate the terms of credit approval
• Balancing your attention between new applications, resubmissions, and rush requests
• Handling all customer requests promptly and with service excellence
• Acting as a point of escalation for other analysts and providing guidance on challenging files
• Supporting the training and mentoring of new and junior team members
• Identifying trends and process improvement opportunities and sharing recommendations with the Credit Manager
• Working in a fast-paced environment to achieve departmental service level goals
• Demonstrating a strong commitment to teamwork and collaboration

What you bring

• 3–5 years of experience in credit adjudication, underwriting, or a related lending role
• Strong computer and technical skills, with the ability to work across multiple platforms
• Ability to multitask in a fast-paced environment
• Proven organizational skills and attention to detail, with the ability to spot inconsistencies
• Solid interpersonal and team-building skills
• Customer service skills focused on delighting our dealer partners
• Sound judgment and the confidence to make independent credit decisions
• Experience coaching or mentoring peers is an asset
• Motivation and drive for continuous learning and growth within your role and the company
• Dependability and self-motivation
• An upbeat, results-oriented approach to teamwork
• Experience at an auto finance company is an asset

This role is a hybrid work structure, with 50% of your time spent in office and 50% working from home. This could change based on the needs of the business.

To be considered for employment you will need to successfully pass a criminal background check and validate your work experience.

Next Steps

Adding to our team is one of the important steps that happens in our business. We’ve taken time to be purposeful and thoughtful with this job posting. Please take time to do the same with your application. Help us understand how you see your work experience as relatable to this job posting. Help us understand how you would be a great addition to our team.

Diversity and Inclusion

The CanCap Group and our subsidiaries are an equal opportunity employers and value diversity. We are committed to building and evolving a team reflecting a variety of backgrounds, perspectives, and skills.

Thank you to all interested applicants. Only candidates who possess the experience, skills, and qualifications outlined above will be contacted for next steps in the hiring process.

Candidates who possess the experience, skills, and qualifications outlined above will be contacted for next steps in the hiring process.

Use of Artificial Intelligence

Please note that CanCap may use artificial intelligence (AI) tools to help screen, assess, or select applicants during the recruitment process. All hiring decisions are made by our team.