General Bank of Canada Looking for Credit Analyst at Northeast Edmonton, Alberta, Canada Full Time

General Bank of Canada (GBC) is a Schedule 1 Chartered Bank headquartered in Edmonton, launched in 2005 that assists Canadians with their auto, commercial and aviation financing needs. A family-run organization and part of the Wheaton Group, General Bank of Canada is a growing organization that was recently recognized as a “Top 50 employer in Canada for companies with fewer than 100 employees” and was named to the 2019, 2020, 2021 and 2022 list of “Best Workplaces in Alberta!”

The Opportunity

General Bank of Canada is seeking a permanent, full-time Credit Analyst to provide support to the Credit & Collections team. This role is an ideal fit for someone who excels in establishing strong rapport through exceptional communication skills with vendors, clients, and team members. They will be someone who possesses exceptional decision-making skills, ensuring timely and balanced credit decisions aligning with the Bank’s risk appetite and growth objectives. This candidate will possess a keen eye for evaluating client credit and banking data to assess lending risks and communicates these decisions effectively, ensuring that customers and team members stay informed.

Reporting to the Senior Credit Analyst, the Credit Analyst will act as the primary decision point for retail credit applications that have been submitted electronically through the auto dealerships’ financial services offices. The Credit Analyst will manage potential loan and credit risk and produce solutions to support client needs, while aligning with the Banks lending policies and procedures.

This position is located in our Edmonton office.

Responsibilities

• Ensure timely turnaround of credit decisions that balance the Bank’s appetite for risk and growth by exercising sound judgment in the application of credit policy and guidelines.
• Build rapport with dealership Financial Services managers to strengthen and promote sound business relationships.
• Evaluate clients’ credit data and banking information in order to help determine the risk involved if providing a loan.
• Responsible for reviewing and communicating decisions on loan and credit transactions in order to keep customers and team members up to date on vital information.
• Assist other departments with programs, dealerships, or lending challenges, as well as credit related issues in order to help ensure that tasks are completed in a timely and accurate manner.
• Ensure compliance with the Bank’s lending policies and procedures by monitoring, reviewing, and approving loan and credit portfolios, as well as, providing risk advice and coaching to the sales team as required.
• As the subject matter expert, provide recommendations on improving policy and procedure standards as required by maintaining an awareness of competitive industry trends.
• As the retail loan product expert for all aspects of indirect credit adjudication in order to help customers and other team members with concerns and inquiries.
• Liaison timely and consistent communication on loan and credit information with dealerships by requesting client information or records as required.

What You Bring To The Table

• Previous experience in a credit decisions role (indirect or direct) within the financial services or automotive industry.
• Post-secondary education in a related field.
• Attention to detail, strong analytical skills and a high level of accuracy when making decisions.
• Excellent communication skills with the ability to establish trusting relationships using written and verbal communication with vendors, clients, and team members.
• Able to negotiate while portraying the General Bank customer service value.
• An understanding of consumer credit fundamentals, scoring methodology, and risk management is considered an asset.
• Must be able to work flexible hours, including evenings and Saturdays.

What General Bank Offers

As a valued employee of GBC, you will receive the following:

• Competitive salary + benefits package including industry-leading mental health coverage and flexible spending accounts.
• Collaborative office space in a historic building.
• An opportunity to join a growing bank and contribute to its future success.
• Onsite gym.
• Rooftop patio to enjoy lunches + company events.

Successful candidates must have legal authorization to work in Canada on a full-time basis for any employer, only those candidates selected for an interview will be contacted.

General Bank of Canada is an equal opportunity employer, if you require an accommodation, please contact [email protected].

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