Your cart is currently empty.
Results for:
Shop
Bilingual Senior Credit Analyst, Credit
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
Privacy Policy
Personal Information We Collect
SCI collects personal information about you in order to provide you services, including in connection with the motor vehicle leasing process.
In addition to the personal information that you provide to us, with your consent, we may collect information from third parties, including credit reporting agencies, collection agencies, financial institutions, insurance companies, insurance brokers, your past, present and future employers, creditors and landlords, motor vehicle dealers, government agencies and your spouse.
We may collect the following personal information:
- Contact information such as your name, postal address, e-mail address and telephone number;
- Information we receive from you in connection with your application for credit, including employment information and your income, information regarding your debts and expenses, home rental or ownership information and the amount of your rental or mortgage payments, financial institution information, and other information to assist in obtaining a credit report;
- Your driver’s license number;
- Banking information including your account number and other information needed for pre-authorized payments;
- Information and documents to help us verify your identity;
- Information regarding the vehicle that you lease or propose to lease and in connection with your lease or proposed lease transaction, including your payment history;
- Information we obtain about you from credit reporting agencies;
- Information to help us improve our delivery of services to you, including for example your preferences, service needs and specific feedback; and
- Other information obtained with your consent or as otherwise permitted or required by law.
You are not required to provide us with your social insurance number (“SIN”). However, if you do provide your SIN to us, with your consent, we may use your SIN as a unique identifier to ensure that the credit information we are requesting is about you, rather than someone else with the same or similar name.
If you speak with one of our representatives by telephone, the call may be recorded or monitored for the following reasons:
- To establish a record of the information that you provide;
- To take or verify instructions from you;
- To confirm your identity;
- To maintain quality service levels; and
- To assist in staff training.
How and Why We Use Your Personal Information
We may use the personal information we collect about you during the credit application process and once you have entered into a lease with us to operate and manage our lease program, including as follows:
- to evaluate your credit application and ongoing creditworthiness and solvency;
- to enter into a lease with you;
- to manage, administer, collect amounts owing under and enforce any such lease;
- to respond to your inquiries regarding any credit application and any resulting lease;
- to allow the motor vehicle dealer and manufacturer to meet safety, legal and regulatory requirements, including with respect to potential recalls and to maintain the warranty and customer service records on leased vehicles;
- to meet legal, regulatory, insurance, security and internal policy requirements;
- to verify or confirm your identity;
- to investigate and adjudicate claims, including to defend and bring legal actions;
- to maintain our records for reasonable periods;
- in connection with any proposed or actual business transaction that we may enter into as described under “Disclosure of Personal Information”;
- with your consent, for marketing purposes including to develop and implement customer programs, including communicating with you by providing you with materials such as offers, updates and information which may be of interest to you; we will not use your credit or banking information for marketing purposes;
- any other purpose to which you consent or which is permitted or required by law.
Disclosure of Personal Information
We may disclose your information to our affiliates, service providers and assignees, and to certain third parties (and their assignees and agents) in order to fulfill the purposes outlined above. In order to enter into a lease with you, to provide you with the products and services you request and to administer your lease, we may disclose your personal information to third parties including credit reporting bureaus, financial institutions, insurance companies, insurance brokers, vehicle manufacturers, motor vehicle dealers, government agencies, and persons to whom you have applied for credit.
Your personal information may be transferred to a third party or parties to be used for the same purposes described herein if a lease agreement that you enter into with SCI is transferred or assigned to such third party or parties, or to an organization in connection with the due diligence for, and completion of, a business transaction, including, without limitation, a securitization or financing involving SCI or its subsidiaries or affiliates. If you enter into a lease agreement with us, with your consent, we may from time to time disclose details of your lease agreement, including payment history information, to credit reporting agencies, which may assist other lenders in assessing your creditworthiness.
Data Retention and Access
For personal information provided in connection with the motor vehicle leasing process, the personal information contained in your file shall be made available only to the employees, representatives, and agents of SCI and its affiliates and assignees who require it in the course of the performance of their duties or mandates. The personal information in your file will be used to make any relevant decisions in order to achieve the object of the file.
The motor vehicle leasing file relating to you created by SCI shall be kept at SCI’s offices in Markham, Ontario. SCI may use service providers located outside of Canada, including in the United States and overseas, to store and process your personal information and any motor vehicle leasing application submitted by you. As such, foreign governments, courts and regulatory agencies in foreign jurisdictions may be able to obtain disclosure of your personal information in accordance with the laws of such jurisdictions. SCI may transfer your personal information outside of Canada. You have the right to obtain access to the personal information in your file and to rectify any personal information in your file that is inaccurate, incomplete, ambiguous or out-of-date. You may contact us by using one of the methods set out below under “Contacting Us”.
Your Consent
You can refuse to consent to SCI’s collection, use or disclosure of personal information. However, SCI may then not be able to provide you with the products or services you request. Subject to legal and contractual restrictions, you may withdraw your consent to SCI’s further collection, use or disclosure of certain information at any time by giving SCI reasonable notice. However, you may not be permitted to withdraw your consent to certain necessary collections, uses and disclosures of your personal information (for example, SCI needs to maintain reasonable business and transaction records). If you have provided your consent and you later decide that you do not want your personal information used or shared for marketing purposes, you may withdraw your consent by using one of the methods set out below under “Contacting Us”.
Updates
SCI updates this Privacy Statement from time to time in order to comply with applicable legislation and privacy standards and to better service our customers. If this Privacy Statement changes in the future, we will post an updated version on our website. You can tell if it has changed by checking the effective date that appears at the bottom of this Privacy Statement. If we intend to use or disclose your personal information for purposes materially different than those described in this Privacy Statement, we will make reasonable efforts to notify affected individuals and obtain appropriate consent (if necessary).
Contacting Us
If you have any questions about this Privacy Statement, or need to provide notice to, or communicate with SCI regarding this Privacy Statement, please contact SCI by clicking Contact Us, or by delivery in person, courier or mail, to SCI at:
SCI Lease Corp.
Attention: Privacy Officer
7030 Woodbine Avenue, 6th, Markham, Ontario L3R 6G2 Canada
(905) 415-6233
(866) 341-5323×2323
Email: privacy@scileasecorp.com
Effective Date: February 2016
Personal Information We Collect
SCI collects personal information about you in order to provide you services, including in connection with the motor vehicle leasing process.
In addition to the personal information that you provide to us, with your consent, we may collect information from third parties, including credit reporting agencies, collection agencies, financial institutions, insurance companies, insurance brokers, your past, present and future employers, creditors and landlords, motor vehicle dealers, government agencies and your spouse.
We may collect the following personal information:
- Contact information such as your name, postal address, e-mail address and telephone number;
- Information we receive from you in connection with your application for credit, including employment information and your income, information regarding your debts and expenses, home rental or ownership information and the amount of your rental or mortgage payments, financial institution information, and other information to assist in obtaining a credit report;
- Your driver’s license number;
- Banking information including your account number and other information needed for pre-authorized payments;
- Information and documents to help us verify your identity;
- Information regarding the vehicle that you lease or propose to lease and in connection with your lease or proposed lease transaction, including your payment history;
- Information we obtain about you from credit reporting agencies;
- Information to help us improve our delivery of services to you, including for example your preferences, service needs and specific feedback; and
- Other information obtained with your consent or as otherwise permitted or required by law.
You are not required to provide us with your social insurance number (“SIN”). However, if you do provide your SIN to us, with your consent, we may use your SIN as a unique identifier to ensure that the credit information we are requesting is about you, rather than someone else with the same or similar name.
If you speak with one of our representatives by telephone, the call may be recorded or monitored for the following reasons:
- To establish a record of the information that you provide;
- To take or verify instructions from you;
- To confirm your identity;
- To maintain quality service levels; and
- To assist in staff training.
How and Why We Use Your Personal Information
We may use the personal information we collect about you during the credit application process and once you have entered into a lease with us to operate and manage our lease program, including as follows:
- to evaluate your credit application and ongoing creditworthiness and solvency;
- to enter into a lease with you;
- to manage, administer, collect amounts owing under and enforce any such lease;
- to respond to your inquiries regarding any credit application and any resulting lease;
- to allow the motor vehicle dealer and manufacturer to meet safety, legal and regulatory requirements, including with respect to potential recalls and to maintain the warranty and customer service records on leased vehicles;
- to meet legal, regulatory, insurance, security and internal policy requirements;
- to verify or confirm your identity;
- to investigate and adjudicate claims, including to defend and bring legal actions;
- to maintain our records for reasonable periods;
- in connection with any proposed or actual business transaction that we may enter into as described under “Disclosure of Personal Information”;
- with your consent, for marketing purposes including to develop and implement customer programs, including communicating with you by providing you with materials such as offers, updates and information which may be of interest to you; we will not use your credit or banking information for marketing purposes;
- any other purpose to which you consent or which is permitted or required by law.
Disclosure of Personal Information
We may disclose your information to our affiliates, service providers and assignees, and to certain third parties (and their assignees and agents) in order to fulfill the purposes outlined above. In order to enter into a lease with you, to provide you with the products and services you request and to administer your lease, we may disclose your personal information to third parties including credit reporting bureaus, financial institutions, insurance companies, insurance brokers, vehicle manufacturers, motor vehicle dealers, government agencies, and persons to whom you have applied for credit.
Your personal information may be transferred to a third party or parties to be used for the same purposes described herein if a lease agreement that you enter into with SCI is transferred or assigned to such third party or parties, or to an organization in connection with the due diligence for, and completion of, a business transaction, including, without limitation, a securitization or financing involving SCI or its subsidiaries or affiliates. If you enter into a lease agreement with us, with your consent, we may from time to time disclose details of your lease agreement, including payment history information, to credit reporting agencies, which may assist other lenders in assessing your creditworthiness.
Data Retention and Access
For personal information provided in connection with the motor vehicle leasing process, the personal information contained in your file shall be made available only to the employees, representatives, and agents of SCI and its affiliates and assignees who require it in the course of the performance of their duties or mandates. The personal information in your file will be used to make any relevant decisions in order to achieve the object of the file.
The motor vehicle leasing file relating to you created by SCI shall be kept at SCI’s offices in Markham, Ontario. SCI may use service providers located outside of Canada, including in the United States and overseas, to store and process your personal information and any motor vehicle leasing application submitted by you. As such, foreign governments, courts and regulatory agencies in foreign jurisdictions may be able to obtain disclosure of your personal information in accordance with the laws of such jurisdictions. SCI may transfer your personal information outside of Canada. You have the right to obtain access to the personal information in your file and to rectify any personal information in your file that is inaccurate, incomplete, ambiguous or out-of-date. You may contact us by using one of the methods set out below under “Contacting Us”.
Your Consent
You can refuse to consent to SCI’s collection, use or disclosure of personal information. However, SCI may then not be able to provide you with the products or services you request. Subject to legal and contractual restrictions, you may withdraw your consent to SCI’s further collection, use or disclosure of certain information at any time by giving SCI reasonable notice. However, you may not be permitted to withdraw your consent to certain necessary collections, uses and disclosures of your personal information (for example, SCI needs to maintain reasonable business and transaction records). If you have provided your consent and you later decide that you do not want your personal information used or shared for marketing purposes, you may withdraw your consent by using one of the methods set out below under “Contacting Us”.
Updates
SCI updates this Privacy Statement from time to time in order to comply with applicable legislation and privacy standards and to better service our customers. If this Privacy Statement changes in the future, we will post an updated version on our website. You can tell if it has changed by checking the effective date that appears at the bottom of this Privacy Statement. If we intend to use or disclose your personal information for purposes materially different than those described in this Privacy Statement, we will make reasonable efforts to notify affected individuals and obtain appropriate consent (if necessary).
Contacting Us
If you have any questions about this Privacy Statement, or need to provide notice to, or communicate with SCI regarding this Privacy Statement, please contact SCI by clicking Contact Us, or by delivery in person, courier or mail, to SCI at:
SCI Lease Corp.
Attention: Privacy Officer
7030 Woodbine Avenue, 6th, Markham, Ontario L3R 6G2 Canada
(905) 415-6233
(866) 341-5323×2323
Email: privacy@scileasecorp.com
Effective Date: February 2016
Accessibility
Customer Service Policies, Practices and Procedures
Providing Goods and Services to People with Disabilities
Careers
Careers
Companies are known by the people that they keep.
Are you bright and innovative? A team player with a can-do attitude? Someone who is looking for a career, not just a job? Then SCI Lease Corp could be the right place for you.
If you are interested in joining the team at SCI Lease Corp, please review the current opportunities below.
What SCI Lease Corp offers you?
- A fun and energetic place to work
- An entrepreneurial vibe where ideas and successes are shared and celebrated
- A comprehensive health and dental benefits package
- A company supported fitness program for all team members to enjoy
- Opportunities for career development
- Flex work hours
- Open concept work environment
- A central office location in Markham with easy access to the 407 and 404
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 are interested in joining our team, please email HR@scileasecorp.com
SCI CarCare
Peace of Mind Motoring
Every vehicle experiences an amount of wear and tear while it’s being driven. With SCI CarCareTM, your vehicle will be covered for Excess Wear and Tear (EWT), which are vehicle damages that are over and above what is considered normal wear and tear. Once you complete your pre-return vehicle inspection, SCI CarCareTM coverage will kick in and save you from unexpected charges due to EWT.
Advantages of SCI CarCareTM
Waives up to a total of $5,000 of eligible excess wear and tear charges**
INCLUDES
- Cracked, chipped, scratched & broken glass
- Dents, scratches and gouges
- Paint damage
- Worn tires (excludes winter tires)
- Bumper Damage – chrome and non-chrome
- Damaged Wheels – Alloy & Steel
- Scratched lenses
- Upholstery stains, burns and tears
- Damaged trailer hitch*
- Dented and damaged wheel covers
- Damaged brush guards*
- Damaged mouldings*
- Damaged running boards*
- Broken factory audio components
- Burned, singed or water stained carpets and floor mats
- Broken keys
- Missing Parts (less than $150)
* Limited to factory or dealer installed prior to lease inception
** A single incident over $1,000 will not be covered
Program Terms & Eligibility
- Available on new and previously untitled cars and pickup trucks with less than 10,000KM at lease inception
- Must be purchased on the effective date of the lease
- Not valid on vehicles used for commercial use (i.e. UBER, landscape or construction vehicles)
- $0 deductible
- Can be canceled within 60 days of purchase
This is a general outline of coverage for marketing purposes only and does not constitute your agreement. Please see your agreement for the details of coverage, as well as conditions, limitations, and exclusions.
LENSES
cracked, scratched, broken
PANEL DAMAGE
bumpers, fenders, mouldings, trim, paint chips
GLASS
cracked, broken, chipped
UPHOLSTERY DAMAGE
from cuts, tears, stains, burns
TIRES
worn below 1/8”, dry rot, cut, flat, cupped
MISSING ITEMS
(less than $150)
owners manuals, spare tires, wheel covers, jack or wheel wrench, tire inflator kit
WHEELS
steel or alloy wheels that are broken, bent, heavily gouged and unrepairable
LMS Static UI
Have an outstanding
balance on your lease?
Settle it in a few simple steps.
If you need assistance contact us at 1.888.559.5022
or help@scileasecorp.com.
Lease Maturity Statements
Settle your lease maturity obligations in just a few simple steps.
Disclaimer: This portal is intended to be used for the purpose of enabling payment of the Lease Maturity Obligations, excluding any outstanding lease payments. These obligations include but are not limited to Excess Wear and Tear Charges and Excess Kilometre Charges. The invoice within this portal is reflective of only the Lease Maturity Obligations described above. You, as the Lessee, continue to be obligated to pay any outstanding lease payments and other fees in relation to your contractual obligations to SCI Lease Corp.