Bilingual Credit Analyst

About Us

A leader in automotive financing Iceberg Finance is a Fintech company that has experienced exceptional growth in recent years notably through the major acquisition of iFinance Canada in 2022. A finalist in 2022 and 2023 among the top lenders recognized by the Canadian Lender Association (CLA) Iceberg Finance aims to rank among the top three specialized and alternative lenders in Canada within the next year.

Position Summary

Reporting to the Director of the Credit Department the Credit Analyst will be responsible for evaluating automotive financing applications from individual customers optimizing decision-making (speed and quality) preventing fraud and ensuring regulatory compliance while delivering a smooth and efficient experience to partner dealerships.

Key Responsibilities

• Analyze submitted applications including identity income employment stability credit history outstanding debts debt-to-income ratios and repayment capacity.
• Assess vehicle collateral: market value loan-to-value (LTV) mileage model year wear and tear and accident history reports.
• Identify fraud indicators (document inconsistencies falsified pay stubs address discrepancies contract manipulation straw buyers etc.).
• Apply risk policies: approval thresholds pricing matrices based on credit score and term maximum advances down payments and guarantees.
• Recommend deal structures: loan term down payment co-borrower ancillary products etc.
• Communicate with dealership partners (F&I teams) to clarify and complete files accelerate approval cycles and improve funding ratios.
• Document decisions (notes justifications supporting documents) and participate in post-funding reviews (verifications and quality audits).

Skills and Qualifications

• Experience in financing administration or a related field.
• Bilingual: English and French.
• 2 to 5 years of experience in consumer credit; automotive finance experience is an asset.
• Exceptional attention to detail and strong verification rigor.
• Proficiency with computer tools (Outlook Teams Word Excel etc.).
• Ability to work collaboratively in a fast-paced environment and meet tight deadlines.
• Strong written and verbal communication skills.

Terms and Benefits

• Full-time position 40 hours per week
• On-site schedule: Monday to Friday
• Comprehensive group benefits plan starting on day one including health and dental insurance
• Employer contribution to an RRSP
• Stimulating and collaborative work environment within a fast-growing company
• On-site parking available
• 3 weeks of vacation with additional time off offered

Required Experience:

Junior IC