Credit Adjudicator

Who we are:

Fairstone Bank and its family of brands are united in delivering innovative, accessible and reliable financial solutions that enable Canadians to reach their goals. Over the years, our brand family has grown. In 2024, Home Trust Company, Home Bank and Oaken Financial became part of the Fairstone Bank family of brands, alongside Fairstone, Eden and Fig.

Together, we are the leading alternative lending bank in Canada. We have the collective experience and expertise to better serve our customers and foster our partners’ growth. With a diverse suite of products—residential and commercial mortgages, consumer deposits and GICs, credit cards, retail and automobile financing, personal loans and digital lending—we offer financial solutions tailored to all Canadians, including newcomers, small-business owners, smart investors and savvy consumers.

Backed by nearly a century of lending experience through its legacy companies, Fairstone Bank and its brand family are proud to be Canada’s leading alternative lending bank.

Eden Park: Eden Park Inc. (“EdenPark”) is a dynamic automobile finance brand committed to enabling our dealer partners to sell more cars. Since 2012, EdenPark has serviced a wide network of automobile dealers and tens of thousands of consumers from coast to coast.

Join Eden Park as a Credit Adjudicator reporting to Tara Simpson, and be part of our talented and growing team!

About the role:

• Review and adjudicate vehicle loan applications by assessing an applicants’ creditworthiness based on credit history, income and employment, and collateral valuation.
• Ensure loan applications are assessed accurately and timely in a fast-paced environment.
• Willingness to thrive in a customer service focused and teamwork setting working with other departments in Sales, Income, Funding and with our Dealers partners.
• Execute detailed document review ensuring all assigned documents are accurate, complete, properly executed, and registered as required.
• Provide prompt, efficient, detailed customer-oriented service to all stakeholders.
• Perform all other duties as assigned.

We offer comprehensive training to ensure you maintain a thorough understanding of our policies and procedures to ensure you can handle customers' enquiries.

What we’re looking for:

• You can follow detailed credit policy guidelines and carefully review credit application and credit bureau report details.
• You possess excellent verbal and written communication skills in English.
• You thrive in a fast-paced environment and have strong attention to detail.
• You are tech-savvy and know your way through Microsoft Office Suite and Outlook
• You can collaborate well with various teams and departments.
• You must be flexible and available to work all shifts mentioned in the Working condition.

Extra- awesome to have:

• You have at least 1 year of prior experience in loan underwriting, experience in a financial institution or within the auto industry
• Previous experience working with loan origination software
• Post-secondary education in Finance or Business Administration

Working condition:

• Hours of operation are between 8 AM to 10 PM EST from Monday to Friday and on Saturday from 9 AM to 8 PM EST.
• This shift is for 11 AM to 7 PM PST/ 12 PM to 8 PM MT
• Option of permanent Saturday shift with the option of Wednesday or Thursday off; and our team is very accommodating with switching when required with notice.
• Weekday shifts are primarily set schedules while Saturday start times will be on a rotation (early, mid-day & late shift).

What you can expect - pay & process:

• Expected base hourly rate range of $23.07 - $27.18 plus the opportunity to earn an annual incentive bonus tied to performance.
• This posting is for an existing vacancy within our organization.
• Artificial intelligence may be used in parts of the recruitment process.
• All candidates considered for hire must successfully pass a criminal background check, credit check, and validation of their work experience to qualify for hire.

If what you read excites you, we’d like to hear from you! Please submit your application and we’ll contact you if you become selected for first stages of the interview process.

Learn more: