Credit Analyst

Mitsubishi HC Capital Canada and its parent company, Mitsubishi HC Capital America, form the largest non-captive, non-bank commercial finance company in North America, constantly growing and transforming to contribute to a prosperous and sustainable future, creating social value through optimizing the potential of assets.

Joining Mitsubishi HC Capital Canada means becoming an integral part of an experienced team offering flexible commercial financing solutions adapted to the needs of Canadian businesses.

We stand out thanks to a collaborative culture focused on the well-being of our workforce, accountability and career development, open-mindedness, inclusiveness as well as positive leadership in our daily activities!

In addition, a sales team specializing in sustainable development and a community action committee allow us to make a significant social and environmental difference.

About:

As part of the Risk Management team, the position of Credit Analyst is a perfect position to continue your career in risk analysis. He or she will report to Manager, Flow Credit under which he/she will be able to put his/her analytical skills into practice, put his/her knowledge of credit to good use and use his/her good judgment when analyzing files.

Responsibilities:

• Analyze the financial situation of applicants, their references, their degree of solvency and their ability to repay;
• Recommend or perform the approval or rejection of applications, according to the credit limit that has been authorized to you, ensuring compliance with company credit standards;
• Collaborate with colleagues for files exceeding their credit limit;
• Negotiate with the sales team;
• Conduct research to find out the value of guarantees;
• Conduct research about the clients to get to know them well;
• Communicate the decisions to the applicants (explain the reasons and submit alternatives as far as possible);
• Collaborate with different departments;
• Participate in various projects;
• Any other related tasks that may fall under this position.

The profile we are looking for:

• You have a bachelor’s in business administration - finance or accounting OR any other related diploma;
• At least 2 years of relevant experience in similar functions such as:
• consulting services including financial statement analysis
• credit analysis
• You master the analysis of financial statements and credit reports;
• You are bilingual (English and French); both orally and in writing, to be able to adequately serve our teams located across Canada (an asset)
• You demonstrate leadership;
• You enjoy working in a team and you demonstrate excellent skills related to interpersonal communications;
• You thrive in a dynamic environment;
• You have a good knowledge of the Office Suite (particularly Excel);
• You demonstrate good analytical, judgment, synthesis, and organizational skills.

What we have to offer:

• Permanent full-time position
• Flexible work environment with the possibility of working in the offices of:
• Laval, QC
• Montreal, QC
• Trois-Rivières, QC
• Vacation and flexible leave as soon as you start with us;
• Personal spending account;
• Competitive compensation plan including a bonus program;
• Group retirement plan including an employer contribution;
• Complete group insurance program paid in part by the company;
• Several opportunities for professional growth and access to an online training platform;
• Wellness program focused on mental, physical, financial and social health;
• Employee and family assistance program accessible at all times;

We would like to thank all applicants in advance. Should you be selected for an interview, you will be contacted directly. Mitsubishi HC Capital Canada is committed to accessibility. Should you require accommodation due to disability, please notify the Human Resources Recruiter.