Bilingual Senior Credit Analyst

Accountivity is hiring!

Job Title:

Bilingual Senior Credit Analyst

Location:

York Region, ON

Job Type: Permanent

Salary: $75,000-$85,000/year

Work Model:
Hybrid

This posting is for an existing vacancy.

Our client in York Region, ON is actively looking for a Bilingual Senior Credit Analyst to join their team.

• Managed and resolved high-risk, complex delinquent accounts, including repossessions, fraud investigations, bankruptcies, consumer proposals, deceased estates, and insurance recoveries.
• Handled inbound and outbound customer communications to negotiate repayment arrangements, resolve account delinquencies, and deliver exceptional customer service.
• Maintained assigned portfolios through effective account management, consistent follow-up, and accurate account maintenance.
• Assessed risk exposure and implemented resolution strategies in compliance with established policies and provincial legal requirements.
• Ensured thorough and accurate documentation of collection activities within CRM and account management systems.
• Analyzed account profiles and financial circumstances to determine appropriate recovery strategies and recommendations.
• Utilized collection, skip-tracing, and investigative tools to minimize delinquencies, repossessions, and financial losses.
• Collaborated with legal counsel, bailiffs, dealerships, insurers, and auction partners to resolve complex delinquent accounts.
• Escalated sensitive and high-risk matters to leadership and provided recommendations for appropriate action.
• Exercised sound judgment in determining and assigning accounts for repossession.
• Managed escalated and cancelled insurance-related accounts, ensuring timely resolution and recovery.
• Processed charge-offs in accordance with internal guidelines and regulatory requirements.
• Contributed to operational improvements by providing insights for reporting, dashboards, process enhancements, and project initiatives.
• Mentored and supported team members through knowledge sharing, training, and collaborative problem-solving.
• Assisted with administrative and operational tasks to support departmental objectives.

• Bilingual in English and French (written and verbal communication preferred).
• Over 3 years of experience in collections, recoveries, financial services, or automotive finance.
• Post-secondary diploma or degree.
• Strong communication, negotiation, conflict-resolution, and decision-making abilities.
• Proven ability to assess risk, analyze complex situations, and recommend effective solutions.
• Highly organized with the ability to manage multiple priorities in a fast-paced environment.
• Results-driven with a strong sense of accountability and ownership.
• Collaborative team player with a focus on knowledge sharing and continuous improvement.
• Experienced in managing high-volume workloads while maintaining exceptional attention to detail.
• Self-motivated and capable of working independently.
• Proficient in Microsoft Office Suite, CRM platforms, and account management systems