Mitsubishi HC Capital Canada and its parent company, Mitsubishi HC Capital America, form the largest non-captive, nonbank commercial finance company in North America constantly growing and transforming to contribute to a prosperous and sustainable future, creating social value through optimizing the potential of assets.
Joining Mitsubishi HC Capital Canada means becoming an integral part of an experienced team offering flexible commercial financing solutions adapted to the needs of Canadian businesses.
We stand out thanks to a collaborative culture focused on the well-being of our employees, accountability and career development, open-mindedness, inclusiveness as well as positive leadership in our daily activities!
About:
The role provides governance and direction on complex credit situations, including restructurings and recovery strategies, ensuring consistent and disciplined remediation approaches. Acting as a key advisor to the SVP, Operations and Portfolio Management, the role delivers actionable insights and supports impairment, provisioning, and strategic decision-making. The position collaborates cross-functionally to balance risk mitigation, operational efficiency, and long-term customer value.
Responsibilities:
Special Loans
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Define and execute the strategic direction for special loans, providing governance and oversight for high-risk, complex, or non-standard exposures
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Ensure consistent remediation and resolution frameworks are applied across cases
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Engage directly in key client situations (workouts, renegotiations, escalations)
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Balance risk mitigation with customer retention and long-term relationship value
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Approve forbearance measures, extensions, and restructuring plans
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Contribute to the continuous improvement of processes and tools related to special loans management
Portfolio Management
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Develop and refine portfolio management strategies and operating playbooks
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Monitor overall portfolio health (delinquency, charge-offs, yield, utilization, etc.)
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Provide insights on trends, emerging risks, and performance drivers, and proactively recommend corrective actions
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Support impairment reviews and provisioning recommendations
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Leverage analytics, scoring models, and prioritization tools
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Support the development of guidelines and best practices in restructuring and recovery
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Identify optimization opportunities to reduce losses and enhance recovery outcomes
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Any other related duties that may be assigned to this position.
The profile we are looking for:
Knowledge, Skills, and Abilities:
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Expertise in credit risk, restructuring, and portfolio management
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Strong analytical and decision-making skills in complex situations
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Excellent communication, influencing, and negotiation skills
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Ability to collaborate effectively with multiple teams and stakeholders in a cross-functional environment
Education and Experience:
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Bachelor’s degree in Finance, Accounting, Economics, or a related field
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5+ years of relevant experience in credit, restructuring, or collections
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Experience managing complex cases and working with executive-level stakeholders
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Experience in commercial and/or corporate lending environments
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Bilingualism (French and English) required
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MBA, CFA, CPA – an asset
What we have to offer:
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Permanent full-time position
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Hybrid work environment for a better work-life balance
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Possibility of working in the offices of:
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Burlington, ON
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Laval, QC
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Montréal, QC
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Trois-Rivières, QC
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Vacation and flexible leave as soon as you start with us
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Personal spending account
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Competitive compensation plan including a bonus program
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Group retirement plan including an employer contribution
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Complete group insurance program paid in part by the company
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Several opportunities for professional growth
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Employee and family assistance program accessible at all times
Don’t think this position is a great fit for you, but still want to join us? Click here: https://workforcenow.adp.com/mascsr/default/mdf/recruitment/recruitment.html?cid=b3ef4f03-f8ff-4ded-80c8-6dd5c5a224f7&ccId=9200144510729_2&lang=en_CA&selectedMenuKey=Language
We would like to thank all applicants in advance. Should you be selected for an interview, you will be contacted directly. Mitsubishi HC Capital Canada values diversity and is committed to accessibility. Should you require accommodation due to disability, please notify the Human Resources Recruiter.
