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.
Join Fairstone as a Credit Service Quality Analyst and be part of our talented and growing teamAbout the role:The Credit Service Quality Analyst conducts quality audits of Loans applications processed by lending specialists to assess underwriting accuracy, policy adherence, documentation quality and consistency of credit decisions. The role identifies material deficiencies, provides evidence-based feedback, and helps management strengthen lending controls and reduce recurring errors.
Complete assigned risk-based and routine file reviews using the approved QA scorecard and sampling approach.
Validate borrower identification, application consistency, income verification, income sustainability and Ability to Pay (ATP) calculations.
Review credit bureau analysis, liabilities, housing expenses, fraud indicators,



approval conditions and supporting documentation.
Assess decision rationale, pricing and fees, exception approvals, required signatures and applicable internal compliance controls within the review scope.
Document findings with transparent evidence, policy references, severity and potential impact; escalate material issues promptly.
Maintain accurate audit records and prepare reporting on quality scores, recurring deficiencies, critical findings, and remediation status.
Identify root causes and recommend practical improvements to procedures, training, and quality controls.
Provide objective, constructive feedback to Lending Specialists and managers; participate in calibration sessions to support consistent scoring.
Track agreed corrective actions and perform follow-up reviews to assess whether recurring issues have been addressed.
Support updates to the QA scorecard and training materials when policies or operational processes change.
Review loans applications exception requests as assigned, without displacing agreed audit priorities.
Assess supporting evidence, credit risk, policy intent and mitigating factors; approve, decline or escalate within delegated authority.
Record a clear, defensible rationale, conditions and required approvals for each decision.
Refer requests outside delegated authority and complex or higher risk matters to the appropriate decision maker.




Identify recurring exception themes and share recommendations with management.
What we’re looking for:Post secondary education in business, finance, accounting, or a related discipline, or an equivalent combination of education and relevant experience.
Three (3) years of relevant experience in consumer lending, credit adjudication, quality assurance, or audit.
Experience assessing non-standard lending requests and documenting credit decisions; prior delegated adjudication authority is an assetDemonstrated knowledge of unsecured personal lending, income verification, credit bureau interpretation, ATP calculations and lending policy applicationProficiency with Excel, loan origination systems and reporting tools; experience with QA scorecards and trend analysis is an asset.
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.
Compensation Package: Competitive base salaryComprehensive

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 lea

📌 Credit Service Quality Analyst (Canada)
🏢 Fairstone Bank
📍 Canada