Commercial Credit Manager - Mississauga, Canada - Element Fleet Management

Element Fleet Management

Verified Company

Mississauga, Canada

2 weeks ago

Posted by:

Sophia Lee

beBee Recruiter

Description

Get started on an exciting career at Element_

Element employees make a difference in the lives of others every day.

We are re-defining the fleet management industry to be people first, then business - delivering on our promise of a superior client experience.

This takes hard work and innovation, and we need more like-minded people on our team.

What We Need

We are looking for a Commercial Credit Manager who will play a critical part in supporting Element's profitable growth through the timely completion of high-quality credit underwriting and portfolio management duties.

The Commercial Credit Manager leverages sound credit judgement to contribute to the maintenance, growth and safety of a lease and trade credit portfolio within our US and Canada markets.

Our customers are large corporates or Fortune 500.

Are You:

An experienced Commercial Lender?
Able to balance risk reward through business acumen?
A strong communicator (verbal and written) able to articulate and sell our credit posture internally and externally?

As the Commercial Credit Manager, you are entrusted with the oversight of a portfolio of US and Canadian accounts to ensure they are managed within Element's risk tolerance.

You are expected to champion a customer focused culture to deepen customer relationships, anticipate risks that could lead to deterioration of the portfolio and our position with a customer, recommend appropriate courses of action, while being a key partner to our Commercial teams in supporting profitable growth.

A Day in the Life- Develop a high degree of regional / industry knowledge / expertise and ensure the ongoing quality of the portfolio through review of relevant publications and the assessment of financial reporting packages.- Prepare detailed written analysis of current and prospective commercial customer credit requests in a timely manner, concisely identifying relevant credit risks and mitigating factors; Deals may be more complex, and/or larger clients in nature, including liaising with Fortune 500 clients. Execute ongoing monitoring of assigned portfolio of accounts, completing annual renewals ahead of expirations and identifying potential problem accounts for enhanced monitoring.- Consult regularly with internal clients (i.e., Commercial and Collections teams) and external customers (i.e., building relationships with Fortune 500 executives) as necessary in completing credit-related requests, including underwriting, contract documentation and obtaining necessary deal structure requirements when applicable.- Obtain, investigate, and analyze credit data- Assist other team members on an as-needed basis in support of a "one team" approach to portfolio management.- Adhere to credit and operational policies and procedures, including completion of routine know-your-customer due diligence.

Requirements:

Bachelor's Degree in Economics, Finance or Accounting. With preferred post graduate qualifications (CFA, CMA, MBA etc.)
Must have experience in US/CAN based commercial lending markets 7+ years of Commercial underwriting or lending experience in commercial banking, commercial lending/leasing or financial services industries
Strong analytical and problemsolving skills with an ability to analyze, interpret, draw conclusions, and clearly communicate solutions on a variety of issues with consideration given to the strengths and weaknesses of alternative solutions
Capacity to liaise with the C Suite of a Fortune 500 customer
Proficient in business writing
Strong verbal and written interpersonal communication skills with ability to work effectively as a selfstarter in a remote team environment#LI-KT1

LI-Hybrid

What's in it for You

A culture of innovation, empowerment, decisionmaking, and accountability
Comprehensive health and welfare benefits that serve the needs of you and your family and foster a culture of wellness
Additional benefits and amenities, including paid timeoff programs (vacation, sick leave, and holidays)
Hybrid work environment for most positions

Applicants will be required to undergo a background check only if and after a conditional offer of employment has been extended.

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