Credit Manager

Job summary

Oversee credit assessment and decisions for vehicle financing applications, reviewing credit files and financial information and approving or declining applications within assigned authority. Monitor portfolio quality and emerging risks, recommend policy or limit changes, and collaborate with dealers and internal teams to resolve complex cases and improve the customer-focused credit process.

Job details

Company Description At EdenPark, a Fairstone Bank Company, we focus on fast, reliable vehicle financing supported by strong integrity and customer service excellence. Our financing experts deliver personalized support to automotive dealers and help customers secure financing quickly and efficiently. We offer competitive programs and a seamless experience from application to vehicle ownership, empowering both dealers and consumers. Our commitment to innovation and accessibility ensures that people across Canada can rely on EdenPark to keep them moving forward in a convenient and confident way. Role Description The Credit Manager is a BILLINGUAL full-time role based in Montreal, QC with a hybrid work arrangement that allows a mix of on-site and work-from-home days. This role oversees credit assessment and decision-making for vehicle financing applications, ensuring policies and risk guidelines are consistently applied. The Credit Manager reviews credit files, evaluates financial information, and approves or declines applications within assigned authority limits. Daily responsibilities include monitoring portfolio quality, identifying emerging credit risks, and recommending adjustments to credit policies or limits. The role collaborates with dealers, internal stakeholders, and underwriting teams to resolve complex cases, improve processes, and support an efficient, customer-focused credit experience. Qualifications Candidates should possess strong Credit Management and Credit Risk Management skills. Candidates should possess solid Analytical Skills and a background in Finance. Candidates should possess a thorough understanding of Credit assessment and decision-making. Experience with consumer or auto financing, lending regulations, and risk frameworks is beneficial. Post-secondary education in finance, business, economics, or a related field is preferred. Strong communication, negotiation, and stakeholder management skills are advantageous. Ability to work effectively in a hybrid environment, manage multiple priorities, and use credit/loan management systems is an asset.

What you’ll do

Oversee credit assessment and decisions for vehicle financing applications, reviewing credit files and financial information and approving or declining applications within assigned authority. Monitor portfolio quality and emerging risks, recommend policy or limit changes, and collaborate with dealers and internal teams to resolve complex cases and improve the customer-focused credit process.

Requirements

Candidates should have strong credit management, credit risk, analytical, and finance skills, with a thorough understanding of credit assessment and decision-making. Experience in consumer or auto financing, lending regulations, and risk frameworks is beneficial; post-secondary education in finance, business, economics, or a related field is preferred, along with strong communication, negotiation, and stakeholder management skills.

Listed skills

• Negotiation · Preferred
• Communication · Preferred
• Financial analysis · Preferred
• Stakeholder Management · Preferred

Other relevant skills

Identified from the job description. Confirm important requirements above.

• Credit Management
• Credit Risk Management
• Credit Assessment
• Credit Decision-Making
• Financial Analysis
• Portfolio Monitoring
• Risk Identification
• Credit Policy Development
• Stakeholder Management
• Communication
• Negotiation
• Consumer Financing
• Auto Financing
• Lending Regulations
• Risk Frameworks
• Credit and Loan Management Systems

Job areas

• Finance & Accounting
• Management & Leadership
• Data & Analytics
• Customer Service & Support