Bilingual Credit Analyst - SMB (Contract)

Posted 18 Days Ago
Be an Early Applicant
Toronto, ON, CAN
Hybrid
72K-83K Annually
Junior
Fintech • Payments • Financial Services
The Role
Conduct credit analysis and underwriting for prospective and existing SMB merchants. Assess financial, business, personal, regulatory, fraud, and credit information to determine risk and support account decisions. Review credit line increases and re-adjudications, monitor high-risk merchants with Fraud teams, advise merchants on credit policies, and support training, special projects, and other analysts.
Summary Generated by Built In

Your Moneris Career - The Opportunity

As a Bilingual Credit Analyst, Small-to-Medium Business (SMB), you will perform credit analysis for prospective and existing merchants, assess financial risk, and provide support on credit-related matters to assigned merchant accounts.


Contract Term: 12 months.

Location: You will be based in our Etobicoke office, balancing in-office collaboration with remote flexibility.

Reporting Relationship: You will report to the Manager, Credit - SMB.

Posting Type: Replacement.

Salary Range: The expected base salary range for this role is $72,000 - $83,000


Total compensation may also include variable or discretionary incentive components, including but not limited to bonuses and commissions. Individual job offers are determined by various factors, including experience, education, skills, certifications, and other business needs.


Your Moneris Career - What you'll do

  • Apply established underwriting criteria and credit policies to evaluate merchant applications and mitigate financial risk.
  • Conduct post-review assessments for merchants requesting processing line increases or requiring re-adjudication due to volume, transaction size, or fraud-related triggers.
  • Perform credit risk assessments of high-risk merchants, including analysis of business operations, financial profiles, regulatory requirements, and fraud risk factors.
  • Analyze personal, business, and financial information to support credit decisions.
  • Partner with internal teams and external sources to support credit training, fraud detection, and monitoring activities.
  • Provide guidance to merchants on complex account setups and explain credit policies and credit-related decisions.
  • Collaborate with the Moneris Fraud team to monitor and assess the activity of selected high-risk merchants.
  • Provide backup support to other Credit Analysts, including assistance with special projects, peak volumes, and coverage requirements.

Your Moneris Career - What you bring

Required skills and experience

  • 1 to 3 years of experience in credit analysis, risk assessment, underwriting, financial analysis, or a related field.
  • Bachelor’s degree in Business, Accounting, Finance, or a related discipline. Equivalent work experience may be considered.
  • Fluency in French and English.
  • Experience reviewing personal credit bureaus, commercial credit bureaus, or financial statements.
  • Demonstrated analytical skills with experience evaluating financial and credit-related information.
  • Business acumen and the ability to assess risk using sound judgment.

Experience that would set you apart

  • Experience in the payments industry.

Your Moneris Career - What you get

  • A workplace committed to investing in Diversity, Equity and Inclusion (DEI) through various initiatives including, employee inclusion groups (EIGs), mentorship, DEI learning and workshops, educational events, and various resources including an internal DEI website.
  • Learning & development programs and resources to grow your career.

#LI-Hybrid

#OTH-IND

Note: We welcome and encourage applications from Indigenous peoples, people of colour, people with disabilities, people of all genders, sexual orientation and intersectional identities.

AI Disclosure: We may use AI-enabled tools to screen, select, and assess applications. All AI outputs are reviewed and validated by our recruitment team.

We acknowledge that people from equity-deserving groups (including racialized individuals, women, gender diverse individuals, individuals with disabilities, neurodivergent individuals, members of 2SLGBTQIA+ communities and those born outside of Canada) are less likely to apply for jobs unless they feel they meet all the requirements posted. At Moneris, we believe candidates bring experience to their work in many ways. We encourage you to apply and share, in the application form, the transferrable experience you bring, and how this will support your success in this role.

Skills Required

  • 1 to 3 years of experience in credit analysis, risk assessment, underwriting, financial analysis, or a related field
  • Bachelor's degree in Business, Accounting, Finance, or a related discipline; equivalent work experience may be considered
  • Fluency in French and English
  • Experience reviewing personal credit bureaus, commercial credit bureaus, or financial statements
  • Demonstrated analytical skills evaluating financial and credit-related information
  • Business acumen and sound judgment in assessing risk
  • Experience in the payments industry

Moneris Compensation & Benefits Highlights

The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Moneris and has not been reviewed or approved by Moneris.

  • Healthcare Strength — Coverage includes modern, flexible health options, 24/7 virtual healthcare, and expanded mental‑health support alongside an Employee Assistance Program. These elements contribute to a benefits package perceived as robust and supportive of wellbeing.
  • Retirement Support — Income security is reinforced through a defined‑contribution pension and profit‑sharing with company match, complemented by bonus and incentive plans. This creates added long‑term value beyond base salary.
  • Inclusive Benefits Coverage — Recent updates broaden access with fertility and gender‑affirming care, anti‑obesity drug coverage, and wig coverage for medical hair loss, aiming to improve accessibility and inclusivity. These additions signal active iteration toward more comprehensive coverage.

Moneris Insights

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The Company
HQ: Toronto, Ontario
2,184 Employees
Year Founded: 2000

What We Do

Proud Canadian partner of empowering your business adventure with commerce solutions for your next chapter. We're boldly re-imagining a unified commerce and working with us means connecting your passion with a community to discover your purpose. Every day, we empower our team members to redefine what's possible in making an impact, creating growth opportunities, and making connections with our customers and each other. We're looking for out-of-the-box thinkers who want to join us in shaping the future of FinTech. Explore the careers hub page on our website to find an opportunity that's the right fit for you. https://moneris.com/careers

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