Credit Analyst - Small-to-Medium Business (SMB)

Your Moneris Career - The Opportunity

Credit Risk Management maintains the Moneris Small-to-Medium Business (SMB) merchant portfolio within risk appetite regarding merchant Credit risk. As the Credit Analyst, you will ensure Moneris delivers on its SMB merchant underwriting (origination) due diligence program. This includes underwriting following Moneris' enterprise risk sensitivity that balances merchant experience and credit risk.

You will work with Moneris company partners, customers such as Sales, Product to collaborate on managing credit risk, customer experience and business growth/distribution.

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: Talent Pipeline (Evergreen).

Salary Range: The expected base salary range for this role is $56,800 - $79,520.

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 appropriate underwriting criteria to all merchant applications following established credit policy to ensure financial risk is avoided.

• Post-review of merchants who need a line increase or are flagged by fraud process (re-adjudication) specifically in processing volume level or average transaction size.

• Perform a credit risk assessment of an existing high-risk merchant which includes developing an understanding of the business profile to ensure compliance with credit, fraud, card association regulation and legal matters

• Analyze personal, business and financial information.

• Work with internal staff and external sources for the purpose of Credit training, fraud detection, and monitoring activities.

• Help with customer calls for complex merchant set-ups requiring explanation of specific credit policies and decisions related to those policies.

• Work with Moneris Fraud Group to monitor the activity of selected High-Risk Merchants.

• Provide back up and support to the other Analysts, concerning the SMB Credit process, special projects, vacation relief, and peak time volume.

Your Moneris Career - What you bring

• Up to 3 years of experience in a related field.

• Bachelor’s Degree or equivalent in Business, Accounting, or Finance.

• Equivalent work experience may be considered a substitution.

• Experience reviewing personal credit bureaus, commercial credit bureaus or financial statement analysis.

• Previous experience in the payment industry considered an asset.

• Technical Skills: Proficient in Microsoft Windows/ Applications.

• Excellent verbal and written communication skills.

Your Moneris Career - What you get

At Moneris, we believe in empowering you to succeed—personally and professionally. As part of our team, you'll have access to resources, opportunities, and an inclusive environment that supports your development and career.

• Comprehensive Total Rewards Program, including performance-based bonuses, flexible benefits starting from day one, and your choice of a health spending account (HSA) or personal spending account (PSA)

• Retirement planning support, with profit-sharing programs including company match and a defined contribution pension plan

• Growth & development opportunities, including unlimited access to Coursera, mentorship programs, and an internal gig marketplace

• Holistic wellness support, with an Employee & Family Assistance Program, 24/7 virtual healthcare, and workplace wellness initiatives

• Flexibility that works for you, including hybrid work arrangements, a Work from Abroad program, and paid time off programs

• Recognition and rewards, with company-wide recognition programs, exclusive banking perks from RBC & BMO, and access to great employee discounts

Find out more about the work perks and benefits you get as a Moneris employee at Moneris.com/careers.

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.

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

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.