Senior Credit Specialist - Future Opportunities
Job Category: Risk

Requisition Number: SENIO007299

Posted: May 12, 2026

Full time

Hybrid

Locations
Showing 1 location

Toronto Corporate Office
Etobicoke, ON M8X 2X3, CAN

At Meridianour aspiration is to integrate our purpose into everything we do for people, the planet, and communities. We believe that our greatest opportunity is to create opportunity and meet people where they are.

Who we are!

Meridian OneCap Credit Corp is an equipment and finance company providing a broad range of financial services to businesses throughout Canada. Our parent, Meridian Credit Union, has over 70 years of banking history and is Ontario’s largest credit union.

Meridian OneCap is a provider of asset financing in the form of capital leases. We are committed to being the best provider of specialized equipment financing services to strategic vendors across Canada. Our service‑oriented culture and exceptional group of professionals serves to provide our strategic partners with value‑added service and constructive solutions.

Meridian OneCap Credit Corp provides customized leasing solutions both to help companies sell equipment and to companies that have chosen to lease equipment, rather than buy. For manufacturers and vendors, we enable you to provide your customers with a value‑added service that helps your customers acquire equipment efficiently and gives your company a competitive edge. And for the end user, we can help you to preserve working capital in your business, while benefiting now from the use of the equipment.

Our team is known as industry leaders. We’ve earned our reputation through consistent delivery of financing programs with the most efficient transaction process and superior customer service. With the largest direct sales force within the Canadian market, it’s no wonder our customer service is unparalleled.

Please note that this job posting will be utilized for future opportunities only, based on the needs of the business

Your role as a Senior Credit Specialist:

The Senior Credit Specialist is responsible for contributing to the profitable growth and quality of the Meridian OneCap portfolio by assisting in the administration of the Commercial Loan portfolio within the framework of the approved credit management policies as set by the Board, to ensure the loan assets represent acceptable risk and return to Meridian OneCap Credit Corp. (“OneCap”).

The Senior Credit Specialist must have an in‑depth knowledge of retail equipment finance lending practices and procedures, as well as an awareness of business trends. A solid knowledge of and experience in financial statement analysis and accounting principles and policies is a requirement. The incumbent must possess effective communication skills, both written and oral and must be experienced in the administration of credit requests. The incumbent needs to be a highly organized, analytical and a logical person.

The incumbent must have experience and knowledge in segmented industries such as construction, transportation, materials handling, others.

Ability to interpret and assess commercial and consumer credit bureaus.

Must be experienced with financial statement analysis and exhibit ability to identify financial risks.

What you’ll do:

Providing prompt and sound recommendations in the analysis and presentation of credit proposals, summaries and annual reviews for the Retail business segment.





In tandem with the other Credit officers in a deal queue environment, contribute to established OneCap service level agreements (SLA) by providing sound, consistent and timely credit decisions in support of mid‑ticket underwriting needs and credit turnaround SLAs.

Daily tasks include the efficient adjudication and approval – and/or timely recommendation to the Senior Manager, of all mid‑ticket credit applications > $150,000 and be able to underwrite/adjudicate larger mid‑ticket transactions with exposure in excess of $1 MM including the setting of maximum credit approval thresholds for customers while adhering to daily turnaround SLAs.

Ensuring the timely analysis, structuring and presentation of credit proposals.

Exercise sound and consistent underwriting practices.

What you can bring to this Role:

Minimum 5 years of experience in Commercial Credit underwriting in an equipment finance environment, combined with relevant post‑secondary education with an emphasis on business and finance.

The individual must have experience in underwriting mid credit requests in segmented industries including construction, transportation, materials handling, others.

The individual must be able to review, assess, analyse and spread financial statements and exhibit an ability to identify financial risks and make and/or provide sound and timely credit decisions/recommendations.

The individual must have superior risk assessment skills and a strong understanding of commercial business structures and a sound knowledge of the equipment finance industry.

Sound understanding of retail commercial lending security documentation, including collection/work‑out techniques and remedies.

Superior credit skills.

Working knowledge of commercial credit, lease/loan and inventory/floorplan finance products within the framework of the Personal Property Security Act (PPSA) and Quebec Civil Code.

Thorough knowledge of commercial account operating procedures and banking services.

Ability to and experience in assessing commercial and consumer credit bureaus, PPSA search results and name verification records.

Must be able to work in a team and/or independently.

Demonstrates being highly organized, analytical and logical.

Requires experience in spreading financial statements in Moody’s MFA (CreditLens) and utilizing TValue.

Experience in floorplan financing including a thorough knowledge and understanding of required documentation in support of dealer wholesale floorplan business risk considered an asset.

Must possess effective communication skills, both written and oral in the administration of credit, complex lease/loan documentation (e.g. security agreements) and security provision requirements.

Bilingual in French and English is an asset.

Comfort learning and adopting new digital tools, with an openness to using AI‑enabled technology to enhance productivity, accuracy, and the Member experience.

This posting is a pipeline requisition for future opportunities only. Internal candidates are being considered as part of our standard process.

Salary Range:



CAD $68,800-103,000

Compensation for this role is based on a combination of skills, experience, and internal equity. Candidates with stronger alignment to the role’s requirements may be placed higher within the range. Your recruiter will share more information about our total rewards package during the hiring process.

Office Location: Toronto or Montreal Corporate Offices. This is a hybrid opportunity.

Meridian OneCap has a remote work policy that allows flexibility for employees to work remotely but also requires our employees to attend the office minimum one day per week. The intention is for purposeful meetings to collaborate, innovate and build effective relationships with your team, your colleagues and your leader which is important to us.

What's in it for you?

We have an inclusive and collaborative working environment that encourages creativity, curiosity, and celebrates success!

We provide you with the tools and technology needed to delight your candidates and clients!

You'll get to work with and learn from diverse industry leaders, who have hailed from top organizations around the world

Hybrid work arrangements with in‑person office time to collaborate, innovate and build relationships with your colleagues

This isn't your typical "corporate" job. We work hard and we have fun!

At Meridian OneCap, we’re not just adapting to the future—we’re shaping it. We see talent as a catalyst for sustainable growth , community impact , and future‑readiness . As the financial landscape evolves, we’re looking for team members who bring:

Embedding & leveraging technology – Confidence and willingness to learn and integrate AI and emerging technologies into new ways of working. Experience with low/no code tools like the Microsoft Power Platform and generative AI productivity tools like Microsoft Copilot is considered an asset

Critical Thinking – The ability to analyze, evaluate and interpret information from various sources and apply logic and problem solving to make decisions.

Data Driven – Leverage data and insights to identify, prioritize and improve member experience and business efficiency.

Curiosity & Flexibility – Comfortable navigating and embracing change and uncertainty, ask more questions, explore more options. Continuously learn and grow.

Our Commitment to You

Meridian OneCap is committed to promoting an inclusive, accessible environment, where all employees and customers feel valued, respected and supported. We are dedicated to employing a workforce that reflects the diversity of our communities and Members in which we live and serve.

Qualified applicants will receive consideration without regard to race, color, religion, sex, national origin, age, sexual orientation, gender identity, gender expression, or disability.

Please note that due to the volume of applications, only those under consideration will be contacted for an interview.

Thank you for your interest in Meridian OneCap.

Meridian only posts jobs on our official Careers Site, LinkedIn, and Indeed. If you find a Meridian job posting on any other site, please verify it by ensuring it directs back to our official career page. Meridian never asks candidates to apply through third‑party links that do not redirect to our Careers portal (UltiPro). For more tips on how to protect yourself from job scams visit Protect yourself from job scams | Meridian.

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📌 Bilingual Senior Credit Specialist - Future Opportunities (Ontario)
🏢 Meridian Onecap
📍 Ontario