Loan officer.

Toyota Drummondville, a Toyota dealership in Drummondville, is seeking a Credit Agent to join its dynamic team. For over 30 years, we have been working to demonstrate that we are much more than just a dealership: we strive to provide an exceptional customer experience and impeccable service quality.

Key Responsibilities

• Analyze and evaluate auto loan applications, determine eligibility and appropriate conditions.
• Verify documents (income, employment history, IDs, bank statements, etc.) and ensure the accuracy of the information provided.
• Assess risk and perform creditworthiness analyses based on credit reports and internal resources.
• Prepare and present suitable financing offers, including rates, terms, and insurance options.
• Negotiate conditions with clients and associated financial institutions, respecting internal policies and regulatory requirements.
• Work closely with sales teams and dealerships to ensure a smooth customer experience and quick closure of files.
• Ensure compliance and maintain complete, up-to-date records in credit management systems (CRM and internal tools).
• Follow up on balances, payments, and potential delays, proposing appropriate actions.
• Participate in continuous improvement of credit processes and share best practices with the team.

Requirements

• At least 1 year of experience in financing or credit processing, ideally in the automotive sector.
• Knowledge of auto financing products, underwriting mechanisms, and risk management practices.
• Strong analytical skills and ability to interpret financial information and credit reports.
• Excellent written and spoken communication skills in French; English is an asset.
• Customer service orientation, team spirit, and ability to advise and support clients in their financing options.
• Proficiency with computer tools (MS Office) and credit management/CRM systems.
• Rigor, discretion, and attention to deadlines and procedures.
• Education: higher education diploma in finance, administration, economics, or related field; relevant experience may compensate.
• Valid driver’s license and availability to work as per operational needs.

Advantages and Conditions

• Competitive package and performance-based bonus opportunities.
• Social benefits and ongoing training programs.
• Environment focused on professional development and teamwork.
• Flexible hours and prospects for advancement within the group.