Santander Consumer Bank provides a full spectrum of finance solutions for the automotive and powersport markets. Santander offers loans the easy way; Simple, Personal, and Fair. Become part of a globally recognized brand and join our dynamic and growing team today.

Our mission is to help people and businesses prosper. Guided by our values “Simple, Personal, and Fair”, we strive to be the best open financial services platform, acting responsibly to earn the lasting loyalty of our people, customers, shareholders, and communities. We live this mission through our TEAMS behaviors: we Think Customer, Embrace Change, Act Now, Move Together, and Speak Up to create a culture of trust, innovation, and collaboration. We adopt a strong risk culture, and we expect all our professionals, regardless of their position, to have a proactive and responsible attitude towards risk management.

Job Purpose

Reporting to the Credit Supervisor, the Credit Analyst is responsible for reviewing and analyzing credit applications to assess customer risk and support sound lending decisions in accordance with established credit policies and procedures. The role contributes to the loan origination process by evaluating creditworthiness, structuring loan terms, supporting fraud mitigation efforts, and providing service to dealer partners, while ensuring compliance with regulatory and internal requirements. The Credit Analyst operates within defined credit policies, exercises judgment on routine and occasionally complex applications, and escalates exceptions or higher-risk decisions in accordance with established guidelines.

Job Duties and Responsibilities

Credit Analysis, Risk Assessment & Compliance

• Review and analyze credit applications to assess customer creditworthiness and associated risk.
• Structure loan terms and calculations in accordance with credit policy and approved lending parameters.
• Apply the Credit Admission Policy (CAP) and related credit procedures consistently when reviewing and decisioning applications.
• Identify higher-risk, non-standard, or exception scenarios and escalate for further review as required.
• Support fraud mitigation efforts by analyzing trends and identifying anomalies within credit applications.
• Maintain working knowledge of credit policies, procedures, and regulatory requirements to ensure compliant decision-making.

Dealer & Internal Support

• Provide customer service to dealership partners through portal notes, phone calls, and email correspondence.
• Respond to internal and cross-functional inquiries related to credit decisions, application status, or documentation.
• Support efficient processing of loan applications through timely and accurate review.

Qualification

• High school diploma or equivalent is required

Experience, Skills & Competencies

Experience:

• Minimum of 1 year of experience in a credit, lending, or financial services role.

Skills:

• Typing speed of 45+ words per minute.
• Proficiency with Microsoft Office applications.
• General computer proficiency, including use of shortcuts and hotkeys.
• Ability to perform basic math functions and loan-related calculations accurately.
• Fluent in French - requirement.

Competencies:

• Attention to detail and accuracy when reviewing credit applications, calculations, and supporting documentation.
• Analytical thinking and problem-solving to assess credit risk, identify issues, and apply policy-based decisions.
• Clear verbal and written communication skills when interacting with dealers and internal stakeholders.
• Customer focus and service orientation to support dealership partners and timely loan processing.
• Confidentiality and discretion when handling sensitive customer, financial, and credit information.

Hours of Work:

Shift: Monday- Friday 8:00am-5:00pm. 1 late night a week. 1-2 Saturdays a month.

Working Conditions / Physical Requirements

• Work is performed primarily in an office environment with extended periods of sitting and screen time.
• Requires sustained mental concentration, frequent task switching and multi-tasking under deadlines.
• No travel is required.

Conditions of Employment

• Must be legally entitled to work in Canada.
• Successful completion of a background check, including criminal record prior to employment.
• Compliance with Santander Consumer Canada’s Code of Conduct, Information Security policies, and applicable regulatory requirements.

Why Join Us?

At Santander Consumer Bank, we are committed to fostering a culture of compliance and ethical behavior, ensuring that our operations align with laws, regulations, and internal policies. We value innovation and collaboration. As a part of the team, you will have the opportunity to contribute to the success of our business while furthering your career in a supportive and dynamic environment. Join us in our mission to create a safe and secure environment for our customers, stakeholders and our employees.

Application Process

Interested candidates should submit their resume and cover letters detailing their relevant experience and interest in the position. Please note that only successful applicants will be contacted.

Santander Consumer Bank is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employee

Ability to commute/relocate:

• Edmonton, AB T6E 5Y7: reliably commute or plan to relocate before starting work (preferred)

Language:

• French (preferred)

Location:

• Edmonton, AB T6E 5Y7 (preferred)

Work Location: In person