Overview

Are you ready to make a difference in the world of consumer finance? At Attain Finance, we bring over 50 years of expertise in providing credit solutions across the U.S. and Canada. Our deep roots in the financial industry have empowered us to develop convenient, easily accessible financial services that meet our customers' growing needs. Join a leading consumer credit lender that thrives on innovation and collaboration, where your contributions are truly valued. Our portfolio includes distinguished brands like Cash Money®, LendDirect® and Heights Finance. Each brand is constantly evolving to better serve our customers.

Be part of a dynamic team that is shaping the future of consumer finance. Apply today and take the next step in your career with Attain Finance!

The Credit Underwriting Analyst is responsible for reviewing, analyzing, and adjudicating consumer loan applications to ensure accurate, consistent, and compliant lending decisions. This role evaluates applicant creditworthiness by analyzing credit reports, income verification, employment information, debt obligations, repayment capacity, and supporting documentation while applying established underwriting guidelines, company policies, and applicable regulatory requirements.

Working in a fast-paced, high-volume environment, the Credit Underwriting Analyst exercises sound credit judgment to balance prudent risk management with operational efficiency and exceptional customer service. The role is accountable for making timely, well-informed lending decisions that support regulatory compliance, enhance customer experience, and contribute to profitable portfolio growth while maintaining the organization's credit risk standards.

Summary

The Credit Underwriting Analyst is responsible for reviewing, analyzing, and adjudicating consumer loan applications to ensure accurate, consistent, and compliant lending decisions. This role evaluates applicant creditworthiness by analyzing credit reports, income verification, employment information, debt obligations, repayment capacity, and supporting documentation while applying established underwriting guidelines, company policies, and applicable regulatory requirements. Working in a fast-paced, high-volume environment, the Credit Underwriting Analyst exercises sound credit judgment to balance prudent risk management with operational efficiency and exceptional customer service. The role is accountable for making timely, well-informed lending decisions that support regulatory compliance, enhance customer experience, and contribute to profitable portfolio growth while maintaining the organization's credit risk standards.

Responsibilities

Credit Underwriting & Decision Making

- Review and evaluate customer loan applications to determine applicant eligibility and creditworthiness.
- Analyze credit reports, income verification, employment information, debt obligations, repayment capacity, and supporting documentation.




- Approve or decline loan applications within authorized limits and lending guidelines.
- Exercise sound judgment when assessing complex or exception-based applications.
- Escalate applications outside delegated authority or present elevated risk to appropriate leadership.
- Clearly document underwriting decisions, rationale, and supporting analysis.

Risk Assessment & Compliance

- Assess and manage credit, operational, and compliance risks throughout the underwriting process.
- Ensure lending decisions comply with company policies, underwriting guidelines, regulatory requirements, and applicable legislation.
- Identify inconsistencies, potential fraud indicators, and documentation deficiencies.
- Maintain the confidentiality and security of customer financial information.
- Support quality assurance reviews, audits, and compliance initiatives.

Operational Excellence

- Meet established service level agreements (SLAs), productivity standards, and turnaround time expectations.
- Prioritize workloads effectively while maintaining a high degree of accuracy and quality.
- Maintain complete and accurate underwriting documentation within applicable systems.
- Identify opportunities to improve workflow efficiency, consistency, and customer experience.
- Contribute to continuous improvement initiatives that enhance underwriting operations.

Collaboration & Communication

- Partner with Branch Operations to clarify application details and obtain additional information required for lending decisions.
- Communicate underwriting decisions, conditions, and documentation requirements clearly and professionally.
- Deliver exceptional customer service while balancing operational priorities and risk management.

Qualifications

Qualifications & Experience

- 2–3 years of consumer lending, underwriting, or financial services experience.
- Experience reviewing loan applications and making credit decisions.
- Knowledge of credit analysis, income verification, and risk assessment.
- Strong understanding of lending policies, regulations, and underwriting guidelines.
- High school diploma required
- Strong analytical, organizational, and decision-making skills.

Skills & Competencies

- Credit underwriting and consumer lending expertise
- Credit analysis, risk assessment, and sound decision-making
- Knowledge of underwriting guidelines, lending policies, and regulatory compliance
- Ability to interpret credit reports, income verification, and debt-to-income calculations
- Strong analytical thinking and problem-solving skills
- Attention to detail with a high level of accuracy




- Excellent time management and ability to prioritize high-volume workloads
- Solid verbal and written communication skills
- Customer-focused with a collaborative team approach
- Proficiency in Microsoft Office and lending management systems
- Adaptability and commitment to continuous improvement

Working Conditions

- Fast-paced, high-volume underwriting environment.
- Frequent handling of confidential financial and customer information.
- Extended use of underwriting and loan origination systems.
- Regular collaboration with branch teams and support departments.
- Manage multiple priorities while meeting quality, compliance, and productivity standards.

Hours Of Operation

- Monday Through Friday 8AM - 10PM EST

Salary: $52,000 - $70,000 CAD The base salary range represents the low and high end of the anticipated salary range for this position based on the Canada average. The actual base salary offered for this full-time position will be determined by various factors, including but not limited to, location, skills, knowledge, competencies, and experience. All full-time employees are eligible for the following benefits, starting on day one: Paid Time Off Program, Medical, Dental, Vision, Life Insurance, Disability, and other voluntary coverages. You will also be eligible to participate in our RRSP/DPSP program once you have completed 3 months of employment with a company match.

Other company perks include access to the Employee Assistance Program, Emergency Relief Fund, Attain4All, Tuition Reimbursement, Leadership and Development Programs.

EEO Statement

Attain Finance Supports Equal Employment Opportunity. Attain Finance (dba Cash Money®, LendDirect®, and Heights Finance) is committed to a policy of providing equal employment opportunity to all qualified employees and applicants. This commitment is reflected in all aspects of our daily operations. We do not discriminate on the basis of race, color, sex, religion, national origin, marital status, age, disability, veteran status, or genetic information in any personnel practice, including recruitment, hiring, training, compensation, promotion, and discipline. Additionally, we do not discriminate based on any other characteristic protected by applicable state/provincial or local law where a particular employee works. In addition, it is the policy of Attain Finance to provide reasonable accommodation to qualified employees who have protected disabilities to the extent required by federal law and any state/provincial law where a particular employee works. Notice to Attain Finance job applicants: Attain Finance will never ask for your personal banking information, transfer of funds, a credit card, or for you to purchase any equipment to process a job application or for training. Authorized Attain Finance representatives' email addresses will end in @attainfinance.com, @heightsfinance.com, @lenddirect.com, and @cashmoney.ca.

📌 Credit Underwriting Analyst (Canada)
🏢 Attain Finance
📍 Canada