Your Moneris Career - The Opportunity

You will manage the daily activities and workflows of the SMB Credit team within the Moneris Credit Department and ensures that credit for existing merchants are dealt with following Moneris Enterprise Risk Management and Credit Policies/ Procedures.

Contract Term: 12 months.

Location: You will be based in our Toronto office, balancing in-office collaboration with remote flexibility.

Reporting Relationship: You will report to the Director, SMB Merchant Portfolio Credit Risk Management.

Your Moneris Career - What you'll do

Manage the team of SMB Credit analysts to ensure merchant credit risk assessments are completed in accordance the above-mentioned policies. Ensure that credit analysis are in managing and mitigating financial, operational (fraud) risks. Ensure service level agreements are met.

Respond and handling inquiries/escalations received from merchants, Fraud Containment, other Moneris departments and external partners, regarding credit.

Assisting customers who require explanation of specific credit policies and decisions related to policies; in particular regards to Moneris requiring documentation or statements to pursue the re-adjudication review.

Ensure that merchants are kept informed on the credit process impacts and are aware of how and where to obtain status updates from Moneris.

Analyze personal and business financial statements and non-financial information (such as merchant/corporate ownership, guarantee documents, collateral statements) to make decisions within assigned Level of Authority.

Support members of the SMB Credit Team, Fraud, Sales, Operations and Marketing teams, about process, escalations and customer service.

Ensure new Analysts are trained within the credit role and equipped to complete their work within assigned limits.

Ensure that the SMB Credit team prepares the service level agreement reporting and that such is provided to the SMB-Credit group.

Comply with corporate policies established by Moneris Corporation including the HR Code of Conduct, Technology Policy & Privacy Policy

Perform other tasks, as required

Your Moneris Career - What you bring

Bachelor's degree in Business/ Commerce/ Accounting/ Finance or a related field of study

Master's degree in Business/ Finance or a related field of study is considered an asset

CPA or CFA designation is considered an asset (Equivalent work experience may be considered a substitution)

5+ years of experience in personal and commercial credit evaluation; as provided by bureaus.

3+ years of experience in advanced financial statement analysis, review and critique.

3+ years of leadership/ people management experience

Documentation fluency with guarantees, letters of credit and corporate structure ownership

Excellent communication skills and networking abilities with internal and external contacts.

Strong negotiation skills, ability to influence and collaborate, ability to apply critical thinking to business issues and achieve results

Strong business acumen with analytical ability to assess the business and guide us forward.

Your Moneris Career - What you get

Holistic wellness support, with an Employee & Family Assistance Program, 24/7 virtual healthcare, and workplace wellness initiatives

A workplace committed to investing in Diversity, Equity and Inclusion (DEI) through various initiatives including, employee inclusion groups (EIGs), mentorship, DEI learning and workshops, educational events, and various resources including an internal DEI website and newsletter

Growth & development opportunities, including unlimited access to Coursera, mentorship programs, and an internal gig marketplace

#LI-Hybrid

#OTH-IND

Note: We welcome and encourage applications from Indigenous peoples, people of colour, people with disabilities, people of all genders, sexual orientation and intersectional identities.

We acknowledge that people from equity-deserving groups (including racialized individuals, women, gender diverse individuals, individuals with disabilities, neurodivergent individuals, members of 2SLGBTQIA+ communities and those born outside of Canada) are less likely to apply for jobs unless they feel they meet all the requirements posted. At Moneris, we believe candidates bring experience to their work in many ways. We encourage you to apply and share, in the application form, the transferrable experience you bring, and how this will support your success in this role.