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, EdenPark 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 Sherman Somera, 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. 

• Closely follow credit policy rules to ensure risk parameters are consistently followed. 

• 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. 

What we're looking for:

You can follow detailed credit policy guidelines and carefully review credit application and credit bureau report details. 

• Verbal and written communication skills in French and 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 must be available to work all shifts mentioned in the job description. 

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. 

• Option of permanent Saturday shift with the option of Wednesday or Thursday off; schedules are completed 6 months in advance 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’ll love about working here:

• Award-Winning Culture: We’re proud to be recognized as a Great Place to Work Canada 2025 and one of Montreal’s Top Employers 2025 by Canada’s Top 100 Employers.
• Work-Life Balance: Enjoy flexibility with our hybrid work model designed to support your lifestyle.
• Time to Recharge: Generous vacation based on your role, statutory holidays, plus 6 wellness days to prioritize your well-being.
• Comprehensive Benefits: Robust health and dental coverage through Manulife, as well as virtual healthcare through Dialogue.
• Future-Ready Savings: Group Retirement Savings Plan with up to 7% employer match.
• Exclusive Perks: Discounts from top retailers via WorkPerks, plus location-based perks like gym memberships and Toronto Bike Share.
• On-Site Fitness: Gym access at our London and Montreal offices.
• Continuous Growth: Education Assistance Program and Fairstone Academy for training and skill development.
• Family Support: Parental leave top-up program to help you during life’s big moments.
• Community Impact: One paid volunteer day to give back to causes that matter to you.
• For more information on who we are as an employer click here.

What you can expect - pay & process:

• Expected base hourly rate range of $21.00- $25.64 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: https://www.fairstone.ca/en/about/canadian-lender

Follow us on LinkedIn: https://www.linkedin.com/company/fairstone/mycompany/

If you have a preferred language for communication, please kindly inform us whether you prefer French or English on your application.

Fairstone is an equal opportunity employer. Accordingly, we will make reasonable accommodations to respond to the needs of people with disabilities. Individuals who view themselves as Aboriginals, members of visible minorities, and disabled are encouraged to apply in confidence.

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