Credit Analyst

Mitsubishi HC Capital Canada and its parent company, Mitsubishi HC Capital America, form the largest non-captive, nonbank commercial finance company in North America constantly growing and transforming to contribute to a prosperous and sustainable future, creating social value through optimizing the potential of assets. Joining Mitsubishi HC Capital Canada means becoming an integral part of an experienced team offering flexible commercial financing solutions adapted to the needs of Canadian businesses. We stand out thanks to a collaborative culture focused on the well-being of our employees, accountability and career development, open-mindedness, inclusiveness as well as positive leadership in our daily activities! In addition, a sales team specializing in sustainable development and a community action committee allow us to make a significant social and environmental difference. About Join our dynamic Risk Management team as a Credit Analyst, where you’ll leverage your analytical skills and credit expertise to make informed decisions that shape our success. Reporting to the Team Lead of Flow Credit, you’ll play a crucial role in evaluating financial data, making recommendations, and exercising sound judgment in credit analysis. Responsibilities Underwrite and make decisions on transactions within your earned credit authority. Present and recommend transactions exceeding credit authority to management, accurately assessing total exposure, and credit risk. Analyze applicants’ financial situation, references, solvency, and repayment capacity. Collaborate with sales teams, vendor representatives, and third-party brokerages to negotiate terms. Conduct thorough research on individuals, companies, and guarantees to ensure compliance with creditworthiness standards and "Know Your Customer" protocols. Communicate decisions to applicants, providing clear explanations and viable alternatives where possible. Work cross-functionally with different departments to achieve shared goals. Participate in various projects, contributing your expertise to drive outcomes. Undertake additional tasks related to the role as assigned. The Profile We Are Looking For You have a bachelor’s in business administration - finance or accounting OR any other related diploma; At least 2 years of relevant experience in similar functions such as: Consulting services including financial statement analysis Credit analysis, Risk Management Expertise in analyzing financial statements and credit reports. Strong interpersonal communication skills and a collaborative mindset. Ability to thrive in a fast-paced, dynamic environment. Proficiency in Microsoft Office Suite, particularly Excel. Bilingual proficiency in English and French to ensure adequate service for our teams and clients across Canada Good analytical, judgment, synthesis, and organizational skills. What We Have To Offer Permanent full-time position Flexible and hybrid work environment with the possibility of working in the offices of Trois-Rivieres Vacation and flexible leave as soon as you start with us Personal spending account Competitive compensation plan including a bonus program Group retirement plan including an employer contribution Complete group insurance program paid in part by the company Several opportunities for professional growth and access to an online training platform Wellness program focused on mental, physical, financial and social health Employee and family assistance program accessible at all times Don’t think this position is a great fit for you, but still want to join us? Click here: https://workforcenow.adp.com/mascsr/default/mdf/recruitment/recruitment.html?cid=b3ef4f03-f8ff-4ded-80c8-6dd5c5a224f7&ccId=9200144510729_2&lang=en_CA&selectedMenuKey=Language We would like to thank all applicants in advance. Should you be selected for an interview, you will be contacted directly. Mitsubishi HC Capital Canada values diversity and is committed to accessibility. Should you require accommodation due to disability, please notify the Human Resources Recruiter.

The Credit Analyst is responsible for underwriting transactions, analyzing applicants' financial solvency, and making credit decisions within their authority. They collaborate with sales teams and external brokers to negotiate terms and ensure compliance with KYC protocols.

Candidates must have a bachelor's degree in business administration, finance, or accounting, and at least 2 years of relevant experience in credit or risk analysis. Proficiency in Microsoft Excel and bilingualism in English and French are required.

• Vacation • Flexible leave • Personal spending account • Bonus program • Group retirement plan • Employer contribution • Group insurance program • Professional growth opportunities • Online training platform • Wellness program • Employee and family assistance program

Relevées dans la description du poste. Confirmez les exigences importantes ci-dessus.

• Credit Analysis
• Financial Statement Analysis
• Risk Management
• Underwriting
• Know Your Customer (KYC)
• Microsoft Excel
• Bilingual English and French
• Financial Modeling
• Credit Risk Assessment
• Interpersonal Communication

• Finance & Accounting
• Consulting
• Sales

Formation minimale

Baccalauréat

Expérience minimale

2+ ans

Postuler avant le

27 août 2026

Langue de l’offre

anglais

Heures de travail

40 heures par semaine

Niveau d’expérience

Entry level