Provide operational support to the Sales Channel and Credit Underwriting function, ensuring submission quality and document compliance with a customer-centric approach. Review, update, and analyze credit documentation for accuracy and regulatory adherence. Complete responsibilities associated with Real Estate Secured Lending products, working across multiple systems and applications.
...
Position: Credit Application Analyst
Shift: Rotating schedule between 8 am and 7 pm, with one Saturday shift every 4-5 weeks (schedules provided one month in advance).
Location: Montreal (Onsite 4 days a week in November, otherwise hybrid).
Advantages
Long-term role with potential for extension and/or permanent hire. Entry point to underwriting roles, with potential advancement to a RESL underwriting role based on performance. Positive and inclusive team environment.
Responsibilities
• Provide operational support to Sales Channel and Credit Underwriting.
• Review and analyze credit documentation for accuracy and regulatory compliance.
• Manage Real Estate Secured Lending product responsibilities across multiple systems.
• Interact with branches/MMS (minimal phone interaction, primarily back-office work).
CUSTOMER
• Provide guidance and support to business partners or customers on a broad range of credit products offered in a business line or product suite and/or within authorization limit
• Support partner relationships and be responsible for providing a broad range of operational and/or credit processing activities to ensure business objectives and Service Level Agreements (SLAs) are met
• Ensure complete and accurate data input into the origination system assisting the preparation of loan documentation
• Reconcile / verify / process all required credit support material / documentation for credit transactions / activities to support customers in obtaining credit
• May review credit files and records to answer business partner or customer requests for information
• Ensure all required processing and enquiries are fulfilled meeting Service Level Goals
• Ensure business partner or customer problems are handled appropriately in a timely manner, effectively / efficiently and escalate as necessary
• Interpret credit policies, legal requirements and regulatory guidelines to ensure loan documents meet applicable standards
• Provide direction and guidance, and assist team with most complex aspects of account administration, as necessary
SHAREHOLDER
• Prioritize and manage own workload to meet SLA requirements for service and productivity
• Understand and apply credit operating policies and procedures
• Support various business partners and credit areas by either collecting / reviewing / analyzing all credit documentation for accuracy, adherence to all regulatory requirements, review of all requested approval conditions associated with a credit facility prior to funding etc.
• May also be responsible for document preparation and performing quality reviews and complete quality control analysis along with arranging credit transactions / activities and supports customers in obtaining credit
• Follow internal and industry regulations and operating practices in completing and recording transactions for either the organization or clients
• Escalate non-standard or high-risk activities as necessary
• Ensure documentation that is prepared / completed is accurate and properly reflects business intentions and is consistent with relevant rules / regulations
• Complete investigations – report / escalate risk issues or process gaps identified
• Identify and recommend opportunities to enhance productivity, effectiveness and operational efficiency
• Ensure necessary due diligence to support the accuracy of all transactions / activities
• Be knowledgeable of and comply with Bank Code of Conduct
EMPLOYEE / TEAM
• Participate fully as a member of the team, support a positive work environment that promotes service to the business, quality, innovation and teamwork and ensure timely communication of issues/ points of interest
• Support the team by continuously enhancing knowledge / expertise in own area and participate in knowledge transfer within the team and business unit
• Participate in personal performance management and development activities, including cross training within own team
• Keep others informed and up-to-date about the status / progress of projects and / or all relevant or useful information related to day-to-day activities
• Contribute to a fair, positive and equitable environment that supports a diverse workforce
• Act as a brand ambassador for your business area/function and the bank, both internally and/or externally
BREADTH & DEPTH
• Works autonomously within established procedures and/or is responsible for credit activities involving multiple steps, systems, and jurisdictions
• Requires advanced skills and expertise in a range of credit products and services, processes, procedures and systems in a set of focus areas, where transactions could be characterized by moderate risk
• May develop spreading of financials statements to forecast future financial statements
• Acts as the primary contact for customers on credit applications
• Gathers and analyzes data to identify and solve problems, escalated as appropriate
• Uses judgement and understanding of process/policy risk when recommending exceptions outside general practices or guidelines
• Generally interacts with internal customers / partners for functions performed and/or external customers
• May provide process / policy guidance to others (e.g. within team, internal partners)
• Focus of work spans from daily, weekly to monthly activities
• Requires full proficiency in a range of processes and procedures through job related training and considerable on the job experience to perform a range of work assignments
• Requires solid knowledge of the business unit / operational functions as well as regulatory issues/requirements for jurisdictions supported
Qualifications
Previous professional/corporate experience. Strong communication and problem-solving skills. Bilingual (French and English). Mortgage experience is a plus.
Summary
This is a fantastic opportunity to join a growing team and develop your career in the financial industry. Apply today!
Randstad Canada is committed to fostering a workforce reflective of all peoples of Canada. As a result, we are committed to developing and implementing strategies to increase the equity, diversity and inclusion within the workplace by examining our internal policies, practices, and systems throughout the entire lifecycle of our workforce, including its recruitment, retention and advancement for all employees. In addition to our deep commitment to respecting human rights, we are dedicated to positive actions to affect change to ensure everyone has full participation in the workforce free from any barriers, systemic or otherwise, especially equity-seeking groups who are usually underrepresented in Canada's workforce, including those who identify as women or non-binary/gender non-conforming; Indigenous or Aboriginal Peoples; persons with disabilities (visible or invisible) and; members of visible minorities, racialized groups and the LGBTQ2+ community.
Randstad Canada is committed to creating and maintaining an inclusive and accessible workplace for all its candidates and employees by supporting their accessibility and accommodation needs throughout the employment lifecycle. We ask that all job applications please identify any accommodation requirements by sending an email to accessibility@randstad.ca to ensure their ability to fully participate in the interview process.
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Provide operational support to the Sales Channel and Credit Underwriting function, ensuring submission quality and document compliance with a customer-centric approach. Review, update, and analyze credit documentation for accuracy and regulatory adherence. Complete responsibilities associated with Real Estate Secured Lending products, working across multiple systems and applications.
Position: Credit Application Analyst
Shift: Rotating schedule between 8 am and 7 pm, with one Saturday shift every 4-5 weeks (schedules provided one month in advance).
Location: Montreal (Onsite 4 days a week in November, otherwise hybrid).
Advantages
Long-term role with potential for extension and/or permanent hire. Entry point to underwriting roles, with potential advancement to a RESL underwriting role based on performance. Positive and inclusive team environment.
Responsibilities
• Provide operational support to Sales Channel and Credit Underwriting.
• Review and analyze credit documentation for accuracy and regulatory compliance.
• Manage Real Estate Secured Lending product responsibilities across multiple systems.
...
• Interact with branches/MMS (minimal phone interaction, primarily back-office work).
CUSTOMER
• Provide guidance and support to business partners or customers on a broad range of credit products offered in a business line or product suite and/or within authorization limit
• Support partner relationships and be responsible for providing a broad range of operational and/or credit processing activities to ensure business objectives and Service Level Agreements (SLAs) are met
• Ensure complete and accurate data input into the origination system assisting the preparation of loan documentation
• Reconcile / verify / process all required credit support material / documentation for credit transactions / activities to support customers in obtaining credit
• May review credit files and records to answer business partner or customer requests for information
• Ensure all required processing and enquiries are fulfilled meeting Service Level Goals
• Ensure business partner or customer problems are handled appropriately in a timely manner, effectively / efficiently and escalate as necessary
• Interpret credit policies, legal requirements and regulatory guidelines to ensure loan documents meet applicable standards
• Provide direction and guidance, and assist team with most complex aspects of account administration, as necessary
SHAREHOLDER
• Prioritize and manage own workload to meet SLA requirements for service and productivity
• Understand and apply credit operating policies and procedures
• Support various business partners and credit areas by either collecting / reviewing / analyzing all credit documentation for accuracy, adherence to all regulatory requirements, review of all requested approval conditions associated with a credit facility prior to funding etc.
• May also be responsible for document preparation and performing quality reviews and complete quality control analysis along with arranging credit transactions / activities and supports customers in obtaining credit
• Follow internal and industry regulations and operating practices in completing and recording transactions for either the organization or clients
• Escalate non-standard or high-risk activities as necessary
• Ensure documentation that is prepared / completed is accurate and properly reflects business intentions and is consistent with relevant rules / regulations
• Complete investigations – report / escalate risk issues or process gaps identified
• Identify and recommend opportunities to enhance productivity, effectiveness and operational efficiency
• Ensure necessary due diligence to support the accuracy of all transactions / activities
• Be knowledgeable of and comply with Bank Code of Conduct
EMPLOYEE / TEAM
• Participate fully as a member of the team, support a positive work environment that promotes service to the business, quality, innovation and teamwork and ensure timely communication of issues/ points of interest
• Support the team by continuously enhancing knowledge / expertise in own area and participate in knowledge transfer within the team and business unit
• Participate in personal performance management and development activities, including cross training within own team
• Keep others informed and up-to-date about the status / progress of projects and / or all relevant or useful information related to day-to-day activities
• Contribute to a fair, positive and equitable environment that supports a diverse workforce
• Act as a brand ambassador for your business area/function and the bank, both internally and/or externally
BREADTH & DEPTH
• Works autonomously within established procedures and/or is responsible for credit activities involving multiple steps, systems, and jurisdictions
• Requires advanced skills and expertise in a range of credit products and services, processes, procedures and systems in a set of focus areas, where transactions could be characterized by moderate risk
• May develop spreading of financials statements to forecast future financial statements
• Acts as the primary contact for customers on credit applications
• Gathers and analyzes data to identify and solve problems, escalated as appropriate
• Uses judgement and understanding of process/policy risk when recommending exceptions outside general practices or guidelines
• Generally interacts with internal customers / partners for functions performed and/or external customers
• May provide process / policy guidance to others (e.g. within team, internal partners)
• Focus of work spans from daily, weekly to monthly activities
• Requires full proficiency in a range of processes and procedures through job related training and considerable on the job experience to perform a range of work assignments
• Requires solid knowledge of the business unit / operational functions as well as regulatory issues/requirements for jurisdictions supported
Qualifications
Previous professional/corporate experience. Strong communication and problem-solving skills. Bilingual (French and English). Mortgage experience is a plus.
Summary
This is a fantastic opportunity to join a growing team and develop your career in the financial industry. Apply today!
Randstad Canada is committed to fostering a workforce reflective of all peoples of Canada. As a result, we are committed to developing and implementing strategies to increase the equity, diversity and inclusion within the workplace by examining our internal policies, practices, and systems throughout the entire lifecycle of our workforce, including its recruitment, retention and advancement for all employees. In addition to our deep commitment to respecting human rights, we are dedicated to positive actions to affect change to ensure everyone has full participation in the workforce free from any barriers, systemic or otherwise, especially equity-seeking groups who are usually underrepresented in Canada's workforce, including those who identify as women or non-binary/gender non-conforming; Indigenous or Aboriginal Peoples; persons with disabilities (visible or invisible) and; members of visible minorities, racialized groups and the LGBTQ2+ community.
Randstad Canada is committed to creating and maintaining an inclusive and accessible workplace for all its candidates and employees by supporting their accessibility and accommodation needs throughout the employment lifecycle. We ask that all job applications please identify any accommodation requirements by sending an email to accessibility@randstad.ca to ensure their ability to fully participate in the interview process.
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