Get started on an exciting career at Element!

Element is the largest publicly traded pure-play automotive fleet manager in the world. Our success is driven by our Purpose to Move the world through intelligent mobility, and fueled by our team members who help our clients manage fleets that deliver the goods and services our communities rely on. We are looking for more Purpose-driven, client-centered, and inclusive team members to join us.

We are looking for..

Provide the oversight of a portfolio of accounts to ensure they are managed within Element’s risk tolerance. Champion a customer focused culture to deepen customer relationships, anticipate risks that could lead to deterioration of the portfolio and our position with a customer, recommend appropriate courses of action, while being a key partner to our Commercial teams in supporting profitable growth.

Primary Responsibilities:

•Develop a high degree of regional / industry knowledge / expertise and ensure the ongoing quality of the portfolio through review of relevant publications and the assessment of financial reporting packages

•Prepare detailed written analysis of current and prospective commercial customer credit requests in a timely manner, concisely identifying relevant credit risks and mitigating factors; Deals may be more complex, and/or larger clients in nature, including liaising with Fortune 500 clients.

•Apply expert judgment in decisioning deals at delegated approval authorities and/or recommend appropriate deal structures for Senior Management and/or Board-level reviews and approvals. 

•Execute ongoing monitoring of assigned portfolio of accounts, completing annual renewals ahead of expirations and identifying potential problem accounts for enhanced monitoring.

•Consult regularly with internal clients (i.e. Commercial and Collections teams) and external customers (i.e. building relationships with Fortune 500 executives) as necessary in completing credit-related requests, including underwriting, contract documentation and obtaining necessary deal structure requirements when applicable.

•Obtain, investigate, and analyze credit data.

•Assist other team members on an as-needed basis in support of a “one team” approach to portfolio management.

•Adhere to credit and operational policies and procedures, including completion of routine know-your-customer due diligence.

Key Interactions:

• Commercial team, Credit Team, Finance and Tax, Collections

Qualifications, Education, and Experience:

•Undergraduate degree in Economics, Finance or Accounting business. With preferred post graduate qualifications (CFA, CMA, MBA etc.)

•10+ years of Commercial underwriting or lending experience in commercial banking, commercial lending/leasing or financial services industries

•Strong analytical and problem-solving skills with an ability to analyze, interpret, draw conclusions, and clearly communicate solutions on a variety of issues with consideration given to the strengths and weaknesses of alternative solutions

•Capacity to liaise with the C Suite of a Fortune 500 customer

•Proficient in business writing

•Strong verbal and written interpersonal communication skills with ability to work effectively as a self-starter

•Proficient with Microsoft Office product suite (PowerPoint, Excel, Word, Outlook) and internet-based applications

As a Purpose-driven, client-centric organization, we are aligned by our shared Values across our global organization.

Our Values:

We are always a force for good.
We are experts defining the future of mobility.
We are driven by client success.

Our Values define who and how we show up for each other and our clients, every day

Element and its wholly owned subsidiaries are an equal opportunity employer committed to diversity, equity, inclusion, and belonging. We are pleased to consider all qualified applicants for employment without regard to gender, civil status, family status, sexual orientation, religious belief, age, disability, race, colour, nationality, ethnic or national origins and membership of the travelling community. Disability-related accommodations during the application and interview process are available upon request. Should you require an accommodation with our hiring process, please send an email to talentacquisition@elementcorp.com.

Applicants will be required to undergo a background check only if and after a conditional offer of employment has been extended.

Commercial Credit Manager

Job Description