About Us

Creston & District Credit Union has been serving its members since 1951. We are an independent Credit Union, and we serve the Creston community from one branch. With over 4,500 members, Creston & District Credit Union is committed to the well-being of the community it serves and has a member-first philosophy.

The Opportunity

Drive the economic heartbeat of the Creston Valley by empowering local businesses to expand, innovate, and thrive.

We are seeking a community-minded, analytically sharp Commercial Account Manager to manage and grow a diverse commercial credit portfolio within our vibrant service region of over 10,000 residents. Managing small-to-medium enterprise (SME) loan sizes up to $2.5 million, you will act as a vital financial partner to businesses driving our local economy—from retail storefronts on Canyon Street to major regional manufacturing and timber operations.

Job Overview

Position Type: Full-Time, Permanent
Work Arrangement: Fully In-Office (Creston, BC branch)
Salary Range: $80,000 – $95,000 per year (negotiable, depending on experience)
Portfolio Scope: Commercial loan sizes up to $2.5M
Core Banking Platform: CGI
Key Sectors: Commercial Real Estate, Retail, Accommodation/Hospitality, Manufacturing, and Timber/Forestry

Key Responsibilities

Sector-Specific Credit Review & Underwriting

Conduct rigorous credit reviews for new and existing SME loan packages up to $2.5 million, utilizing commercial mortgages, equipment financing, operating lines, and term loans.
Evaluate corporate financial health across diverse sectors, including analyzing seasonal cash flows for the accommodation industry and asset depreciation for manufacturing and timber operations.
Author thorough credit applications and present risk-mitigated loan recommendations to the CEO and/or Credit Committee within pre-determined credit limits.
Ensure strict compliance with internal credit policies, anti-money laundering (AML) screening, and Canadian financial regulations.

Proactive Risk & Delinquency Management

Execute comprehensive annual credit reviews and ongoing risk assessments to detect early warning signs of credit deterioration or economic stress.
Monitor account performance via CGI tools, analyzing financial trends, verifying covenant compliance, and assessing changes in borrower risk profiles.
Manage account delinquencies aggressively, identifying late payments early, issuing notifications, and conducting targeted collection activities.
Develop sustainable workout strategies for at-risk accounts, restructuring debt facilities or negotiating repayment schedules to minimize loan loss provisions.

Local Relationship Management & On-Site Business Development

Manage an existing business portfolio, serving as a trusted financial advisor to local business owners, entrepreneurs, and operators.
Conduct regular job-related travel across the Creston Valley for hands-on site visits, collateral inspections, and face-to-face annual commercial reviews.
Proactively identify new lending opportunities by building strong networks with local developers, equipment dealers, and business associations.

Portfolio Administration & System Maintenance

Utilize the CGI banking platform daily to process loan disbursements, monitor repayment schedules, and maintain meticulous digital credit files.
Coordinate collateralization routines, ensuring property valuations, heavy equipment/machinery appraisals, security registrations, and PPSA filings are legally perfected before funding.

Job Requirements & Qualifications

Experience & Education

Education: Bachelor’s degree in Finance, Business Administration, Commerce, or a related field.
Experience: Minimum of 3 years of commercial lending, credit analysis, risk management, or business banking experience.
Regional Mobility: Valid BC driver’s license and access to a reliable vehicle for local travel related to client site visits and annual updates.
Regional Insight: Strong familiarity with the Kootenay region’s economic drivers (specifically timber, tourism/accommodation, and retail) is highly preferred.

Technical Skills & Competencies

Advanced Risk & Delinquency Management: Proven ability to identify credit weaknesses, manage arrears, handle delinquent accounts, and navigate complex debt workouts or restructures.
Robust Credit Review Capabilities: High proficiency in analyzing financial statements, calculating debt service coverage ratios (DSCR), and assessing asset-backed loan collateral.
Asset-Backed Lending Expertise: Mastery of equipment financing structures, lease-versus-buy analysis, depreciation metrics, and residual values for machinery.
Banking System Proficiency: Hands-on experience with CGI core banking software is a significant asset.
Local Market Agility: Deep understanding of the localized challenges and opportunities facing rural and semi-rural businesses.
Elite Communication: Polished interpersonal skills for conducting tough loan restructuring conversations, interviewing borrowers, and pitching to diverse business owners.

What We Offer

Competitive Compensation: $80,000 – $95,000 base salary.
Financial Incentives: Performance-driven profit-sharing plan, activated upon meeting the credit union’s minimum profit targets and scaled based on overall team results.
Retirement Planning: Generous retirement savings program featuring up to a 7% company matching contribution.
Full Benefits Package: Comprehensive extended health, dental, vision, and life insurance plans.
Community Impact: The unique opportunity to directly influence the growth and sustainability of the Creston Valley community.

Professional Evolution: Ongoing support for continuous education, leadership development, and professional financial certifications.

How to Apply

Please submit your resume along with a cover letter detailing your experience working with small-to-medium businesses to employmentopportunities@cdcu.com by August 15, 2026.