Our client is a top financial institution with significant North American holdings. They have operations across most major verticals, including institutional & corporate, wealth management, private client, commercial banking, treasury, and retail banking.

Introduction: Prime Hires is seeking a skilled Bilingual (French and English) Credit Application Analyst to join our client.

Contract Period: 12 Months with potential to extend or convert

Pay Rate: $24.39 per hour

Location: Montréal, QC

Location Type : Primarily Onsite

Overtime Required: Saturday every 4 to 5 weeks

Training: 4 weeks

Business Hours: Monday-Friday; Rotational Shift between 8:00 am - 7:00 pm

Job Responsibilities:

CUSTOMER:

Provide guidance and support to business partners or customers on a broad range of credit products offered in a business line or product suite and/or within authorization limit
Support partner relationships and be responsible for providing a broad range of operational and/or credit processing activities to ensure business objectives and Service Level Agreements (SLAs) are met
Ensure complete and accurate data input into the origination system assisting the preparation of loan documentation
Reconcile / verify / process all required credit support material / documentation for credit transactions / activities to support customers in obtaining credit
May review credit files and records to answer business partner or customer requests for information
Ensure all required processing and enquiries are fulfilled meeting Service Level Goals
Ensure business partner or customer problems are handled appropriately in a timely manner, effectively / efficiently and escalate as necessary
Interpret credit policies, legal requirements and regulatory guidelines to ensure loan documents meet applicable standards
Provide direction and guidance, and assist team with most complex aspects of account administration, as necessary

SHAREHOLDER:

Prioritize and manage own workload to meet SLA requirements for service and productivity
Understand and apply credit operating policies and procedures
Support various business partners and credit areas by either collecting / reviewing / analyzing all credit documentation for accuracy, adherence to all regulatory requirements, review of all requested approval conditions associated with a credit facility prior to funding etc
May also be responsible for document preparation and performing quality reviews and complete quality control analysis along with arranging credit transactions / activities and supports customers in obtaining credit
Follow internal and industry regulations and operating practices in completing and recording transactions for either the organization or clients
Escalate non-standard or high-risk activities as necessary
Ensure documentation that is prepared / completed is accurate and properly reflects business intentions and is consistent with relevant rules / regulations
Complete investigations - report / escalate risk issues or process gaps identified
Identify and recommend opportunities to enhance productivity, effectiveness and operational efficiency
Ensure necessary due diligence to support the accuracy of all transactions / activities
Be knowledgeable of and comply with Bank Code of Conduct

EMPLOYEE / TEAM:

Participate fully as a member of the team, support a positive work environment that promotes service to the business, quality, innovation and teamwork and ensure timely communication of issues/ points of interest
Support the team by continuously enhancing knowledge / expertise in own area and participate in knowledge transfer within the team and business unit
Participate in personal performance management and development activities, including cross training within own team
Keep others informed and up to date about the status / progress of projects and / or all relevant or useful information related to day-to-day activities
Contribute to a fair, positive and equitable environment that supports a diverse workforce
Act as a brand ambassador for your business area/function and the bank, both internally and/or externally

BREADTH & DEPTH:

Works autonomously within established procedures and/or is responsible for credit activities involving multiple steps, systems, and jurisdictions
Requires advanced skills and expertise in a range of credit products and services, processes, procedures and systems in a set of focus areas, where transactions could be characterized by moderate risk
May develop spreading of financials statements to forecast future financial statements
Acts as the primary contact for customers on credit applications
Gathers and analyzes data to identify and solve problems, escalated as appropriate
Uses judgement and understanding of process/policy risk when recommending exceptions outside general practices or guidelines
Generally, interacts with internal customers / partners for functions performed and/or external customers
May provide process / policy guidance to others (e.g. within team, internal partners)
Focus of work spans from daily, weekly to monthly activities
Requires full proficiency in a range of processes and procedures through job related training and considerable on the job experience to perform a range of work assignments
Requires solid knowledge of the business unit / operational functions as well as regulatory issues/requirements for jurisdictions supported
Generally, reports to a Team Manager

Experience & Qualification Requirements:

1 Years of Relevant Experience
High School Diploma / Undergraduate Degree
Previous Experience in a Professional / Corporate environment
Strong Communication Skills
Strong Problem Solving
Bilingual - French and English
Mortgage Experience

Prime Hires

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Bilingual Credit Analyst