EQ Bank | Equitable Bank

Credit Analyst

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Oakville, ON, CAN

Hybrid

60K-80K Annually

Fintech • Payments • Financial Services

The Role

Why Join EQB — and Why This Role at Bennington Financial Corp Matters

Being a traditional bank just isn’t our thing. At EQB Inc., we challenge ourselves to think differently and build innovative financial solutions that better serve Canadians.

We do this by bringing together a talented team of curious, agile thinkers who aren’t afraid to challenge the status quo. If you’re passionate about redefining the future of banking—while having fun and making a real impact—this could be your next big opportunity.

Today, EQB serves more than 800,000 Canadians through Equitable Bank, Canada’s Challenger Bank™, and has been operating for over 50 years. Through our wholly owned subsidiaries, including Concentra Bank, we support credit unions across the country serving more than six million members. Together, we manage over $142 billion in assets under management and administration, with a clear mandate to drive meaningful change in Canadian banking.

Our digital platform, EQ Bank, has been recognized as one of the top banks in Canada on the Forbes World’s Best Banks list every year since 2021—an endorsement of our customer-first, innovation-driven approach.

About This Role: EQB × Bennington Financial Corp Partnership

This position is being recruited by EQB on behalf of our wholly owned subsidiary, Bennington Financial Corp. Bennington Financial Corp plays a critical role within EQB’s ecosystem, specializing in commercial equipment financing and leasing. It extends EQB’s reach beyond traditional banking into a highly specialized and fast-growing segment of the financial services landscape.

Joining Bennington means: Being part of the EQB family, with the stability, scale, and purpose of a leading Canadian challenger bank, Working within a specialized, entrepreneurial business where your contributions are highly visible and impactful, Supporting a business that operates at the intersection of bank-grade governance and commercial finance agility, Helping shape compliance, risk, and operational excellence in a business that directly enables Canadian companies to grow

This role offers the best of both worlds: the backing, resources, and long-term vision of EQB, combined with the pace, ownership, and influence that comes from working within a focused subsidiary like Bennington. If you’re looking for an opportunity where your expertise matters, your voice is heard, and your work directly supports both innovation and growth—Bennington Financial Corp, powered by EQB, is a compelling place to build your next chapter!

Summary:

This full-time position reports to the Manager of Credit. The candidate will be responsible for mid-ticket credit adjudication ($50,000-$100,000), and making recommendations regarding deal acceptance, pricing and deal structure. The candidate will also be responsible for working with our broker partners on each approval until such time as the deal closes. This process may involve making structural changes to approvals, negotiating/explaining rates, explaining processes and as well as specific terms to ensure deals close and Bennington’s best interests are achieved. Each credit is unique and presents an opportunity to create a custom structured approval, within defined guidelines. The Credit Analyst is also required to maintain acceptable default and loss standards as determined by the Bennington senior management team.

The Work!

The ideal candidate will have a strong attention to detail and the ability to work well under pressure and tight deadlines. A positive attitude with the ability to work collectively with team members as well as other Bennington Departments to develop synergies and efficiencies for Bennington as a whole.
The successful candidate must have a minimum of 1+ years of direct credit analysis experience, ideally in Sub-Prime Lending and ideally in the Leasing sector OR at least 3+ years of experience in a related field within the Leasing sector. They must have knowledge of Canadian lease structures and leasing processes, have the ability to read and interpret financial statements and have an attention to accuracy and detail. Incumbents must be willing and able to find a solution with a can-do attitude, learn and adapt quickly and remain calm under pressure in a deadline oriented environment. Candidates should be able to effectively manage competing priorities and timelines, interact effectively with internal and external customers, and work independently without direct supervision. Applicants need to be proficient in Word, Excel and be able to learn new systems quickly.

Your Experience:

A university or college degree with a main subject area in Business or Finance is preferred (or equivalent relevant experience). Bilingualism in English and French is an asset.

What we offer [For full-time permanent roles]

💰 Competitive discretionary bonus

✨ Market leading RRSP match program

🩺 Medical, dental, vision, life, and disability benefits

📝 Employee Share Purchase Plan

👶🏽 Maternity/Parental top-up while you care for your little one

🏝 Generous vacation policy and personal days

🖥 Virtual events to connect with your fellow colleagues

💛 A fulfilling opportunity to join one of the top FinTechs and help create a new kind of banking experience

Equitable Bank is deeply committed to inclusion. Our organization is stronger and our employees thrive when we honour and celebrate everyone’s diverse experiences and perspectives. In tandem with that commitment, we support and encourage our staff to grow not just in their career path, but personally as well.

We commit to providing a barrier-free recruitment process and work environment for all applicants. Please let us know of any accommodations needed so that you can bring your best self to the application process and beyond. All candidates considered for hire must successfully pass a criminal background check and credit check to qualify for hire. While we appreciate your interest in applying, an Equitable recruiter will only contact leading candidates whose skills and qualifications closely match the requirements of the position.

We can’t wait to get to know you!

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The Company

Toronto, Ontario

1,529 Employees

Year Founded: 1970

What We Do

MakeBank on everyday banking: Earn high interest on every dollar Say no to fees No minimum balances Powered by Equitable Bank, a Schedule I Canadian Bank EQB Inc. (formerly Equitable Group Inc.) trades on the Toronto Stock Exchange (TSX: EQB and EQB.PR.C), directly serves over 607,000 Canadians through its wholly owned subsidiary Equitable Bank, Canada's Challenger Bank™, and serves over 200 Canadian credit unions that serve over 6 million of their members with products and services. Equitable Bank has grown to become Canada's 7th largest independent Schedule I bank with over a $119 billion in assets under management and assets under administration, and a clear mandate to drive real change in Canadian banking to enrich people's lives. At Equitable Bank, we are as invested in our employees as we are in our business. That’s why we are consistently recognized as one of Canada's Top Employers – a rating that comes from our 1,800 employees. Equitable Bank’s inclusive, welcoming, and pride-inducing workplace earned it the honour of being recognized as one of the top 50 organizations on the 2023 list of Canada’s Best Workplaces™. Founded over 50 years ago, Equitable Bank provides diversified personal and commercial banking, and through its EQ Bank platform (eqbank.ca), which has been named #1 Bank in Canada for three consecutive years on the Forbes World's Best Banks list for 2021, 2022, and 2023. Equitable Bank website: www.equitablebank.ca EQ Bank website: www.eqbank.ca Specialties Lending, Mortgages, Residential Lending, Commercial Lending, Reverse mortgages, Insurance lending, Equipment leasing , Credit Union, Trust, and Funds Management