Position: Lease Credit Adjudicator – Full Time, 40 hours per week

**Location:**Hamilton, ON

**Reporting to:**Director of Leasing

Compensation:$60,000 - $70,000 annually

About Us:

The Queenston Automotive Group is a leading name in the automotive industry, known for our commitment to excellence and customer satisfaction. From modest beginnings, we’ve grown into a thriving enterprise with locations in Hamilton, Burlington, and Guelph, employing over 250 professionals. We proudly sell and service top brands like Chevrolet, Buick, GMC, Honda, Mazda, Nissan, and Infiniti. Our team provides high-quality new and used vehicles and exceptional service.

We foster a supportive, inclusive work environment, with a focus on employee growth through training, career advancement, and a culture of teamwork and innovation.

We are seeking a dynamic Lease Credit Adjudicator to join our team! Reporting directly to the Director of Leasing, the Lease Credit Adjudicator will be responsible for assessing credit applications, evaluating risk, and making informed approval decisions in line with company policies.

Key Responsibilities

• Credit Adjudication & Deal Evaluation

• • Review and adjudicate lease credit applications based on customer credit profiles, deal structure, collateral, and risk exposure.
  • Evaluate submitted deals to ensure compliance with internal lease structure policies, credit parameters, and bank/lender agreements.
  • Apply consistent and defensible judgment to approve, decline, or condition leases while balancing growth and risk objectives.
  • Ensure pricing, advance, term, residuals, and customer obligations align with approved credit risk tolerances.

• Policy & Bank Compliance

  • Maintain strict adherence to all internal credit policies, underwriting standards, and bank partner requirements.
  • Identify and escalate non-compliant deal structures or recurring policy breaches.
  • Act as a subject-matter resource on lease credit guidelines for Sales, Leasing, and Operations teams.

• Fraud Detection & Risk Mitigation

  • Utilize available tools, systems, and investigative techniques to identify fraudulent or high-risk applications.
  • Conduct enhanced due diligence where discrepancies or red flags arise.
  • Accurately document fraud findings and escalate cases to appropriate internal stake holders or external authorities are required.
  • Contribute to ongoing improvements in fraud detection processes and controls.

• Credit Documentation & Audit Trail

• • Maintain clear, accurate, and thorough credit decision documentation to support audit, regulatory, and bank review requirements.
  • Ensure adjudication rationales are well-documented and defensible.
  • Supports audits and reviews by internal risk teams, external lenders, or regulators.

• Portfolio Monitoring & Credit Strategy

  • Review lease portfolio default and delinquency trends.
  • Analyze data to identify emerging credit risks or deterioration in performance.
  • Provide input and recommendations on changes to credit risk policies, underwriting criteria, and lease structures.
  • Participate in the evaluation and implementation of new credit risk tools, data sources, or adjudication technologies.

• Repossessions & Post-Default Management

  • Coordinate with Legal teams on repossessed vehicles to ensure proper legal handling and documentation.

• • Log and track repossessed units accurately.

  • Liaise with Wholesale teams to ensure repossessed vehicles are disposed of legally, efficiently, and in accordance with company policy and lender requirements.

  • Contribute to process improvements that reduce loss severity and cycle time on recoveries.

Qualifications & Other Requirements

• Post-secondary education in Finance, Business, Accounting, or a related field (or equivalent experience).

• Previous experience in automotive leasing, captive finance, bank credit, or non-prime lending.

• Background in fraud investigation or enhanced due diligence considered an asset.

• Experience working directly with bank partners or under formal lender agreements.

• Strong automotive leasing and credit risk expertise across lease‑based portfolios

• Proven analytical judgment in portfolio performance and credit decision‑making

• High‑integrity, compliance‑focused approach to risk management.

• Clear communicator with strong cross‑functional collaboration skills

• Highly organized, detail‑oriented, and audit‑ready in fast‑paced environments

Skills, Knowledge and Abilities Required

• There is little travel required for this position, less than 1% of the time. Most travel will be within the Hamilton Region.
• This position is required to be able to safely operate all equipment within office, as needed and all standard office equipment as well as being able to and licensed for operation of a motor vehicle on public roadways.
• In this position will be required to follow all safety policies of the organization.
• This position has a high degree of independent action, they hold the authority to make limited decisions for the leasing department.

Why Join Us?

• Growth Opportunities: Vast potential for career advancement.
• Competitive Compensation: Attractive salary package.
• Training and Development: Extensive support for your professional growth.
• Company Events: Participate in team-building activities and company events.
• Dynamic Workplace: Be part of a team where your contributions truly matter.

In accordance with the Ontario Human Rights Code and Accessibility for Ontarians with Disabilities, a request for accommodation will be accepted throughout the hiring process.

We are an equal opportunity employer that welcomes all applicants including persons with disabilities, visible minorities, women, and aboriginals. We thank you for your interest, however, only those applicants selected for an interview will be contacted.