Dealer Credit Analyst – Commercial Lending (12 Month Term)
Location: Mississauga, ON
Industry: Commercial Lending / Automotive Finance

Are you a detail-oriented financial analyst with a passion for the automotive and transportation industry? Our client, a well-established provider of commercial lending solutions, is seeking a Dealer Credit Analyst to join their growing team on a 12-Month Term basis. The successful candidate will step into a critical role analyzing complex dealer portfolios and supporting multimillion-dollar lending decisions across Canada.

Responsibilities:

• Assess Dealer Credit Requests: Analyze new and existing dealer credit applications in line with internal credit policies, providing formal recommendations for renewals, increases, and new facility approvals.

• Conduct Financial Reviews: Examine financial statements and credit data to assess risk, structure, and collateral; ensure all information is accurate and compliant with internal standards.

• Monitor Dealer Performance: Track key metrics including inventory aging and overall credit utilization; recommend adjustments or interventions as needed.

• Develop Credit Files: Conduct in-depth reviews and write formal credit recommendations for dealer financing, including capital loans, operating lines, and mortgages.

• Analyze Financial Performance: Evaluate dealer financial statements, cash flow, and security positions. Monitor leverage ratios, net cash, and other key indicators to assess creditworthiness.

• Engage with Stakeholders: Present recommendations clearly to senior decision-makers.

Qualifications:

• Minimum 2 years of relevant professional experience in financial analysis or credit. Preference for commercial lending—ideally in a bank, credit union, or B2B finance environments

• Strong financial acumen and ability to interpret complex financial documents

• Excellent relationship management and communication skills

• Proficient in Microsoft Excel and comfortable working with large sets of data

• Proven ability to interpret financial statements and construct detailed credit analyses

We’re an equal opportunity employer committed to increasing diversity and inclusion in today’s workforce. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, disability, age, or veteran status. Minorities, women, LGBTQ candidates, and individuals with disabilities are encouraged to apply. If you require an accommodation, please review our accessibility policy and reach out to our accessibility officer with any questions.