Senior manager leading Cando’s North American railcar mechanical repair and maintenance services. Developing standards, safety programs, budgets, and asset strategies for reliable, profitable operations.
About the role
- Credit Manager leading credit decisions and a three-person team for JPC, which finances vehicles and equipment for Canadian businesses. Managing risk, portfolios and lending processes.
Responsibilities
- Review and approve commercial and individual credit applications
- Analyze financial statements, cash flow, collateral and deal structure and make clear, timely decisions
- Work with Sales to find practical solutions and structure deals for JPC and customers
- Develop pricing and terms that reflect risk in each deal
- Set and improve credit policies, underwriting standards and approval guidelines
- Monitor the portfolio, including delinquencies, losses, concentrations and emerging problems
- Handle collections, workouts, repossessions, insurance claims and recoveries for problem accounts
- Review credit lines and maintain security, PPSA, AML/FINTRAC and other requirements
- Improve systems and processes, including automated credit decisioning
- Report on portfolio performance and flag problems early
- Lead and coach a team of three credit professionals
- Serve as JPC’s primary credit decision maker and collaborate with Sales, Finance, Operations and Technology
Requirements
- 6–10 years of experience in credit risk, underwriting or portfolio management within consumer and business lending
- Experience in fleet management, automotive finance, equipment finance or specialty lending
- Ability to read financial statements and understand the story behind the numbers
- Comfortable making decisions with incomplete information
- Ability to balance risk with the commercial reality of getting deals done
- Willingness to handle difficult conversations with customers and internal teams
- Understanding of collections, workouts, collateral and lien management
- Ability to improve processes when they are not working
- Ability to lead a small team independently
- Good judgment, clear communication and ownership
- Post-secondary education in Finance, Business, Economics or a related field
- Experience with AML/FINTRAC obligations in a lending context
- Completion of the required application survey
Benefits
- Competitive compensation
- Performance bonus
- Comprehensive health and dental benefits from day one
- Real decision-making authority
- Access to senior leadership
- Direct impact on the growth and performance of the business
- Opportunity to build and shape the credit function
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