Credit Analyst - Small-to-Medium Business (SMB)

Moneris is a company focused on managing credit risk for small-to-medium businesses. As a Credit Analyst, you will ensure effective underwriting and risk assessment for SMB merchants while collaborating with various internal and external stakeholders.

Responsibilities

• Apply appropriate underwriting criteria to all merchant applications following established credit policy to ensure financial risk is avoided
• Post-review of merchants who need a line increase or are flagged by fraud process (re-adjudication) specifically in processing volume level or average transaction size
• Perform a credit risk assessment of an existing high-risk merchant which includes developing an understanding of the business profile to ensure compliance with credit, fraud, card association regulation and legal matters
• Analyze personal, business and financial information
• Work with internal staff and external sources for the purpose of Credit training, fraud detection, and monitoring activities
• Help with customer calls for complex merchant set-ups requiring explanation of specific credit policies and decisions related to those policies
• Work with Moneris Fraud Group to monitor the activity of selected High-Risk Merchants
• Provide back up and support to the other Analysts, concerning the SMB Credit process, special projects, vacation relief, and peak time volume

Skills

• Up to 3 years of experience in a related field
• Bachelor's Degree or equivalent in Business, Accounting, or Finance
• Equivalent work experience may be considered a substitution
• Experience reviewing personal credit bureaus, commercial credit bureaus or financial statement analysis
• Technical Skills: Proficient in Microsoft Windows/ Applications
• Excellent verbal and written communication skills
• Previous experience in the payment industry considered an asset

Benefits

• Comprehensive Total Rewards Program, including performance-based bonuses, flexible benefits starting from day one, and your choice of a health spending account (HSA) or personal spending account (PSA)
• Retirement planning support, with profit-sharing programs including company match and a defined contribution pension plan
• Growth & development opportunities, including unlimited access to Coursera, mentorship programs, and an internal gig marketplace
• Holistic wellness support, with an Employee & Family Assistance Program, 24/7 virtual healthcare, and workplace wellness initiatives
• Flexibility that works for you, including hybrid work arrangements, a Work from Abroad program, and paid time off programs
• Recognition and rewards, with company-wide recognition programs, exclusive banking perks from RBC & BMO, and access to great employee discounts

Company Overview