AutoCapital Canada Inc. is part of privately-owned Canadian national financial services company with multiple verticals across automotive, consumer, and merchant lending portfolios. We manage the entire lifecycle of the finance receivable from credit adjudication through to contract administration, customer service, default management and post charge-off recoveries. AutoCapital Canada works with Automobile Dealer Partners to help clients finance the purchase of new and used vehicles.

When it comes to our customers, partners, and each other, we are always motivated by doing the “right thing”. We are always looking to find the best people and the right methods that allow us to meet this goal and look to the future for growth.

Reporting to the Credit Manager, a Credit Analyst plays an essential role in executing on risk strategy while weighing situational risk and issuing quality approvals that expand our portfolio.

This includes:

• Reviewing and adjudicating vehicle loan applications by assessing customer's credit worthiness based on credit history, affordability, and collateral valuation
• Ensuring loan applications are decisioned accurately and timely in a fast-paced environment and in accordance with the company’s policies and procedures
• Conducting preliminary validation of application details
• Communicating with dealers and sales team regarding active applications over the phone and through email
• Answering and responding promptly to inbound calls from dealer partners for prime credit activities.
• Making outbound calls to dealer to obtain additional information regarding applications and negotiate the terms of credit approval.
• Balancing your attention between new applications, resubmissions, and any rush requests
• Handling all customer requests with service excellence in a timely manner
• Working in a face-paced environment to achieve departmental service level goals.
• Displaying a commitment towards teamwork and collaboration.

What you Bring

• Strong computer and technical skills to work across multiple platforms
• Ability to multi-task in a fast-paced environment
• Proven organizational skills with attention to detail with an ability to pick out inconsistencies
• Solid interpersonal and team building skills
• Customer service skills aimed at delighting our dealer partners
• Motivation and drive towards continuous learning and growth within your role and the company
• Dependability and self-motivation
• Upbeat and results-oriented team contributions
• Experience in an Auto Finance company is an asset

What you can expect from us

Our Employee Experience is aimed at supporting and inspiring our talented team through:

• A passionate team dedicated to the support and empowerment of others

• An environment where creative, innovative thinking is encouraged

• Time off to re-energize with a starting vacation entitlement of 15 days/year as well as personal days

Next Steps

Adding to our team is one of the important steps that happens in our business. We’ve taken the time to be purposeful and thoughtful with this job posting. Please take time to do the same with your application. Help us understand how you see your work experience as relatable to this job posting.

Diversity & Inclusion

The CanCap Group and its subsidiaries are equal opportunity employers and value diversity in backgrounds, perspectives, and skills. We thank all applicants for their interest — only those selected for next steps will be contacted.

Thank you to all interested applicants. Only candidates who possess the experience, skills, and qualifications outlined above will be contacted for next steps in the hiring process.

Candidates who possess the experience, skills, and qualifications outlined above will be contacted for next steps in the hiring process.