Lease Credit Adjudicator

Overview

Position:
Lease Credit Adjudicator – Full Time, 40 hours per week

Location:

Hamilton, ON

Reporting to:
Director of Leasing

Compensation: $60,000 - $70,000 annually

About Us:

The Queenston Automotive Group is a leading name in the automotive industry, known for our commitment to excellence and customer satisfaction. From modest beginnings, we’ve grown into a thriving enterprise with locations in Hamilton, Burlington, and Guelph, employing over 250 professionals. We proudly sell and service top brands like Chevrolet, Buick, GMC, Honda, Mazda, Nissan, and Infiniti. Our team provides high-quality new and used vehicles and exceptional service.

We foster a supportive, inclusive work environment, with a focus on employee growth through training, career advancement, and a culture of teamwork and innovation.

Lease credit adjudication and deal evaluation:

• Review and adjudicate lease credit applications based on customer credit profiles, deal structure, collateral, and risk exposure.
• Evaluate submitted deals to ensure compliance with internal lease structure policies, credit parameters, and bank/lender agreements.
• Apply consistent and defensible judgment to approve, decline, or condition leases while balancing growth and risk objectives.
• Ensure pricing, advance, term, residuals, and customer obligations align with approved credit risk tolerances.

Policy and bank compliance:

• Maintain strict adherence to all internal credit policies, underwriting standards, and bank partner requirements.
• Identify and escalate non-compliant deal structures or recurring policy breaches.
• Act as a subject-matter resource on lease credit guidelines for Sales, Leasing, and Operations teams.

Fraud detection and risk mitigation:

• Utilize available tools, systems, and investigative techniques to identify fraudulent or high-risk applications.
• Conduct enhanced due diligence where discrepancies or red flags arise.
• Accurately document fraud findings and escalate cases to appropriate internal stakeholders or external authorities as required.
• Contribute to ongoing improvements in fraud detection processes and controls.

Credit documentation and audit trail:

• Maintain clear, accurate, and thorough credit decision documentation to support audit, regulatory, and bank review requirements.
• Ensure adjudication rationales are well-documented and defensible.
• Support audits and reviews by internal risk teams, external lenders, or regulators.

Portfolio monitoring and credit strategy:

• Review lease portfolio default and delinquency trends.
• Analyze data to identify emerging credit risks or deterioration in performance.
• Provide input and recommendations on changes to credit risk policies, underwriting criteria, and lease structures.
• Participate in the evaluation and implementation of new credit risk tools, data sources, or adjudication technologies.

Repossessions and post-default management:

• Coordinate with Legal teams on repossessed vehicles to ensure proper legal handling and documentation.
• Log and track repossessed units accurately.
• Liaise with Wholesale teams to ensure repossessed vehicles are disposed of legally, efficiently, and in accordance with company policy and lender requirements.
• Contribute to process improvements that reduce loss severity and cycle time on recoveries.

• Post-secondary education in Finance, Business, Accounting, or a related field (or equivalent experience).
• Previous experience in automotive leasing, captive finance, bank credit, or non-prime lending.
• Background in fraud investigation or enhanced due diligence considered an asset.
• Experience working directly with bank partners or under formal lender agreements.
• Strong automotive leasing and credit risk expertise across lease-based portfolios.
• Proven analytical judgment in portfolio performance and credit decision-making.
• High-integrity, compliance-focused approach to risk management.
• Clear communicator with strong cross-functional collaboration skills.
• Highly organized, detail-oriented, and audit-ready in fast-paced environments.

• There is little travel required for this position, less than 1% of the time. Most travel will be within the Hamilton Region.
• This position requires the ability to safely operate all standard office equipment and to be licensed for operation of a motor vehicle on public roadways.
• Must follow all safety policies of the organization.
• Role includes a high degree of independent action and the authority to make limited decisions for the leasing department.

• Growth Opportunities:
  Vast potential for career advancement.
• Competitive Compensation:
  Attractive salary package.
• Training and Development:
  Extensive support for your professional growth.
• Company Events:
  Participate in team-building activities and company events.
• Dynamic Workplace:
  Be part of a team where your contributions truly matter.

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