Credit Agent

Compagny Description Alterfina is a fast-growing company reinventing alternative consumer financing. Our mission: to offer credit solutions that are tailored, human, and responsible. We aim to become the preferred alternative financing solution for Canadians by helping them navigate their immediate financial challenges while equipping them to develop healthy financial habits. Our five core values— respect, integrity, empathy, innovation, and excellence —guide everything we do and help shape our culture. Joining Alterfina means becoming part of a dynamic team where your role has a direct impact on the company’s success… and on the lives of our clients. Purpose of the role Alterfina is currently experiencing rapid growth and has just entered the Ontario market. This naturally leads to a growing need to hire new, fully bilingual employees. The Credit Agent’s main responsibility is to support the company by analyzing and approving financing applications. Their primary role is to review bank statements and documents for each file, verify identity and income, assess repayment capacity, detect signs of fraud, ensure compliance, and accompany approved customers through to the disbursement stage. What you’ll do daily Analyze financing applications by reviewing three months of transactions: income stability, declined payments, recurring expenses, existing obligations, balance fluctuations, etc; For certain files, validate and detect anomalies in identity documents, proof of income (pay stubs, Notice of Assessment, benefits), employment letters, and proof of address; Calculate debt load and repayment capacity to support decision-making; Ensure each file is complete and compliant before disbursement; Document decisions and justification in the system; maintain a high level of accuracy for quality reviews and compliance; Contact approved customers to finalize agreements, explain conditions, and answer questions; Ensure outstanding customer service.; Perform any other related tasks assigned by the immediate supervisor. You’re the right person if you are or have… Bilingual, both spoken and written; College diploma (DEC); At least two years of experience in a credit or financing role; Known for your efficiency, rigor, and strong organizational skills; Strong analytical capabilities and attention to detail; Recognized for your positive attitude and improvement mindset; Ability to adapt quickly and easily; Strong customer service orientation; Skilled at building trust quickly with customers; Known as a team player; Ability to build and maintain strong interpersonal relationships; Comfortable working with financial software/tools. Why you’ll love working at Alterfina A work environment that encourages your autonomy; Telework 3 days/week and 2 days in our beautiful offices in Saint-Hubert; Work-life balance recognized (Concilivi certified); Comprehensive benefits (health, dental, vision), 50% paid by the employer; Free access to telemedicine and an Employee and Family Assistance Program (EFAP); Group RRSP with employer contribution; Generous vacation time and 7 sick days; Recognition program to celebrate seniority; Access to continuing education for professional development; Active Wellness Committee – concrete initiatives all year round! Looking for a position where your contribution has a direct impact? Join us! Please send your résumé by email! The masculine form is used solely to simplify the text.