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!

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

• 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.

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.