JOB DESCRIPTION
This individual will report directly to a Leader of Credit at SCI Lease Corp and will play an integral role in developing and supporting relationships with our National base automotive dealers.
This individual will be primarily responsible for researching and analyzing credit risks, assessing credit history and approving or denying extension of credit to potential customers. This team member has contact with other company departments, as well as automobile dealers and other finance and credit sources.
RESPONSIBILITIES
- Analyze and evaluate credit applications under specific guidelines
- Review and understand credit bureau information to assist with the credit analytics and to help determine affordability and risk
- Review and verify income from various sources such as pay stubs, Notice of Assessments and Financial Statements
- Review Commercial credit files, Credit Bureaus and Financial Statements
- Communicate with dealers and internal departments regarding accounts pending credit approval
- Conduct reference investigations, document requirements and prepare credit presentations
- Work in a high volume Call Centre environment, requiring the use of multitasking skills
- Clarify inquiries regarding policies and procedures to peers and clients
- Promote and provide a high standard of service to the dealers and to other areas within the company
- Any and all other duties as may be required to meet Company objectives
- Varying shift work; these shifts may be further adjusted from time to time by your Manager
BEHAVIOURAL
- Eager to learn new things
- Trust and respect in dealings with others and committed to building a positive team spirit
- Willing to work independently as may be needed
- Willing to work dependently in a Team environment as may be needed
- Passionately advocates for our customers by guiding teammates to deliver smart solutions
- Ability to deal with conflict in a professional manner
- Being able to think on your feet
- Shares and champions peer ideas
QUALIFICATIONS
SKILLS required
- The ideal candidate must be bilingual (English and French – both written and verbal)
- Non-Prime lending experience is an asset
- Knowledge and understanding of personal and commercial credit bureau reports
- Knowledge and understanding of detailed financial statement and ratio analysis
- Knowledge of standard office software
- Successful candidate must be able to work in a fast paced, high pressure environment
- Vehicle and/or leasing experience would be considered a definite asset
- The successful candidate must be detailed oriented, open to change, be able to work independently, be a team player, and organized
- An effective communicator with verbal, written and listening skills
- Ability to work effectively both independently and as part of a dynamic team
- Exercises sound judgement
- Applies reason to effectively problem-solve
- Analytic thinker
- Ability to set priorities and manage multiple assignments and tasks
- Enjoys working in a fast-paced environment
- Ability to manage high pressure situations
EXPERIENCE
- Experience in the leasing/automotive or asset based financing industry
- 5-7 Years of direct lending experience, automotive preferred
EDUCATION
- College Diploma in business administration or related education and/or applicable work experience
WORK CONDITIONS
- This role requires evening and weekend shift work to support our National Dealership operating hours
- Applicants may be required to work a minimum of two evening shifts a week (currently until 11PM EST) and at least one Saturday per month (10:30-7PM EST)
COMPANY INTRODUCTION
SCI Lease Corp. offers our employees a competitive salary, comprehensive employee benefits, and an environment that fosters teamwork & entrepreneurial spirit. Our organization will, on request, provide accommodations for disabilities to support your participation in all aspects of our Recruitment Process. SCI Lease Corp.is an equal opportunity employer. We thank all applicants for their interest, however, only those selected for an interview will be contacted.
If you would like to apply for this position, please email HR@scileasecorp.com
