British Columbia – Page 5 – Credit Union Careers

Compliance Specialist

Apply By September 27

Annual Salary: $53,248 – $73,216

Innovation Federal Credit Union has a bold ambition. In addition to being Canada’s newest Federal Credit Union, we will be the most digital, member-centric organization in our industry. We are on a journey to embrace the core tenets of the digital business model, like ideation, the network effect, personalized segmentation, coopetition, and agile ways of working.

We come to work to simplify banking for all Canadians – that’s our purpose.

How does this position help fulfill Innovation’s purpose? Glad you asked!

Reporting to the Manager, Compliance, the Compliance Specialist will support the management of Financial Consumer Protection Framework Requirements across the enterprise through the use of self-assessment tools, conducting monitoring and testing activities, and integrating results into the regulatory compliance management program for risk assessment. This individual will conduct due diligence reviews and monitoring and testing activities of outsourcing and third-party arrangements including Fintech partnerships for compliance and regulatory requirements.

WIIFY (what’s in it for you):

Competitive Salary
Diverse and Inclusive Culture that continues to evolve
Flexible work arrangement options
Strong benefit package
7% Superannuation matched contribution program
Attractive variable incentive program
Wellness Days to create appropriate work/life balance
Paid Education opportunities to ensure our members have the most equipped staff to help them
A purpose-driven organization that focuses on the values of Accountability, Integrity and Respect
And lots more reasons to love where you work and what you do!

What our team is looking for:

A growth mindset that emulates Model, Coach and Care behaviours in every activity and approach
A solution mindset that feeds inertia
An ambassador willing to promote our team inside and outside the organization.
Somebody who is digitally capable and wants to dig into new technology with enthusiasm!
Somebody who can work with occasional ambiguity with a focus on process evolution.
A mindset of Solve, Serve, Sell – a problem solver, serving our members directly or indirectly, and selling our brand!
Somebody to sweat the small stuff, but also see the big picture.
Personality and Energy – a flair for polish, and you bring your personal, creative touch to everything you do!

What will you do?

Assist in maturing the financial consumer protection framework requirements across the enterprise through the use of self-assessment tools, conducting monitoring and testing activities and integrating results into the regulatory compliance management program for risk assessment
Assist with conducting oversight and drafting reporting (internal and regulatory) associated with complaint handling obligations
Conduct due diligence reviews and monitoring and testing activities of outsourcing and third-party arrangements as well as Fintech partnerships for compliance with regulatory requirements including OSFI B-10 (Outsourcing of Business Activities, Functions and Processes), Bank Act and FCAC consumer provision obligations
Contribute to internal, public and regulatory reporting
Provide guidance and support to others on compliance matters
Support the development, review and maintenance of compliance policies, practices, and procedures
May be required to perform activities in support of the AML/ATF Compliance Program which may include AML or fraud alert investigations, Enhanced Due Diligence (EDD) reviews, assist with regulatory examinations, amongst other activities

Some things that would impress us:

Completion of a post-secondary program or a combination of industry related education and equivalent experience. Experience within a federally regulated institution is an asset.
Three years of experience in regulatory compliance management with focus on Financial Consumer Agency of Canada (FCAC) and Office of the Superintendent of Financial Institutions (OSFI) requirements, risk assessments and compliance testing or a related role. Experience with Resolver or a similar compliance software tool is an asset.
Working knowledge and understanding of applicable legislation and regulations (federal and provincial)
Effective use of interpersonal and communication skills to connect with groups across the organization and build/manage stakeholder relationships
Organizational and planning skills with attention to detail and follow-through

Interested?

Click the ‘Apply now’ button!

Innovation Federal Credit Union acknowledges that Indigenous peoples are the traditional guardians of this land that we call Canada. In Saskatchewan we are on treaty lands and these treaties serve to govern our relationships with Indigenous people. We are dedicated to ensuring that the spirit of Reconciliation and treaties are honoured and respected.

Commercial Account Manager II – remote available

About Credit Union Central of Manitoba

Credit Union of Manitoba (CUCM) is the trade association and service provider for the province’s 17 autonomous credit unions. CUCM’s purpose is to provide strategic leadership for credit unions, and to deliver high-value solutions that help each credit union achieve its vision.

The role

As a subject matter expert, the incumbent plays a lead role in coaching, guiding, and training credit unions in all aspects of credit adjudication. You will demonstrate loan portfolio management and risk mitigation for complex credit clients through the review of financial statements, cash flow mechanics, business plans, identifying trends, monitoring risk, and assessing for credit restructuring.

This position will provide consulting services to credit unions lending personnel and, where necessary, meet with Central’s legal counsel to discuss legal options. Plays a central role in maintaining the operations manual, ensuring content is accurate and consistent with industry practices and Manitoba law. You will structure, negotiate, and document complex credit submissions and negotiate all terms of credit with credit unions in a fair and respectful manner.

The person

You bring strong relationship building skills, sound analysis and decision-making competencies and have a thorough knowledge of legislation pertaining to lending and of the commercial marketplace. You are an expert negotiator with strong interpersonal skills with ability to diplomatically manage and attempt to reconcile conflicting demands and viewpoints, combined with personable and effective client management skills.

You a natural collaborator; driven by the challenge of change, with the ability to adapt your focus or approach based on what the situation requires.

Education & Experience

Your background includes a minimum of 5 years’ experience working in a similar capacity with a focus on Commercial Lending and Credit Adjudication. Knowledge of Agricultural Lending would be of benefit. Education equivalent to completion of three- or four-year bachelor’s degree, ideally in commerce or business administration or related experience is required.

The Company

We offer an excellent total compensation and benefits package including an incentive pay program, an extensive community service program, training and development opportunities, and a work environment that engages and enables our employees to serve our members.

We are committed to providing a safe, respectful, and inclusive environment where your unique background, perspectives and talent are valued.

Our office is located in downtown Winnipeg close to the Canada Life Centre. In the current environment, employees have the ability to work from home.

Credit Unions in Manitoba are governed by Manitoba’s Credit Unions and Caisses Populaires Act. CUCM manages their liquidity reserves, monitors credit granting procedures and provides trade services in areas such as corporate governance, government relations, representation, and advocacy. CUCM also provides human resources services, research, communications, planning, lending, compliance, and risk management services to credit unions. Manitoba credit unions jointly own CUCM and it is financed through assessments and fee income derived through its operations.

The Company

Interested candidates are asked to submit a resume and cover letter to hrcucm@cucm.org (Please note NCL has indicated the apply now functionality of this website has been turned off due to errors so please do not apply this way).

Director, Third Party RIsk Management

Annual Salary: $96,429 – $132,590

We come to work to simplify banking for all Canadians – that’s our purpose.

How does this position help fulfill Innovation’s purpose? Glad you asked!

Reporting to the Chief Risk Officer, the Director, Third Party Risk Management leads the third-party risk management (TPRM) program for Innovation Federal Credit Union. The TPRM program includes various activities such as servicer reviews for critical third-party arrangements. The role also provides leadership in the use of the GRC tool (Resolver) and is responsible to maintain and enhance the tool to ensure its ongoing effectiveness for the Operational Risk programs.

WIIFY (what’s in it for you):

Competitive Salary
Diverse and Inclusive Culture that continues to evolve
Flexible work arrangement options
Strong benefit package
7% Superannuation matched contribution program
Attractive variable incentive program
Wellness Days to create appropriate work/life balance
Paid Education opportunities to ensure our members have the most equipped staff to help them
A purpose-driven organization that focuses on the values of Accountability, Integrity and Respect
And lots more reasons to love where you work and what you do!

What our team is looking for:

A growth mindset that emulates Model, Coach and Care behaviours in every activity and approach
A solution mindset that feeds inertia
An ambassador willing to promote our team inside and outside the organization.
Somebody who is digitally capable and wants to dig into new technology with enthusiasm!
Somebody who can work with occasional ambiguity with a focus on process evolution.
A mindset of Solve, Serve, Sell – a problem solver, serving our members directly or indirectly, and selling our brand!
Somebody to sweat the small stuff, but also see the big picture.
Personality and Energy – a flair for polish, and you bring your personal, creative touch to everything you do!

What will you do?

Support the management of development and validation approaches to credit union risk modeling and measurement, risk assessment and mitigation within the ORM and ERM frameworks
Monitor and evaluate policy and procedures for enterprise risk and make recommendations for improvement to ensure policies and procedures are enacted accurately and effectively communicate key control provisions
Lead the organization’s third-party risk management program that includes servicer reviews for critical third-party arrangements, with appropriate reporting and escalation of issues
Lead the implementation and roll-out of the GRC tool (Resolver) and ensure its capabilities are developed, maintained and enhanced for continued support of the Operational Risk programs
Apply technical aspects of federal credit union regulation to practical business scenarios
Review the assessed risk when making decisions, ensuring compliance with all regulatory requirements
All leaders are responsible for ensuring day-to-day compliance with the policies and procedures that are relevant to their operational areas. They are also required to monitor and identify any instances of non-compliance during day-to-day activities and, if material, to notify the VP ERM, who will report to the Executive Leadership Team and the Board
Identify deficiencies and advise of potential risk situations
Identify the adequacy, efficiency, and effectiveness of the organization’s internal controls

Some things that would impress us:

University degree in Commerce, Business Administration, Public Administration, Law, or related discipline
10 years of job-related experience or an equivalent combination of education, experience and learning, preferably within the credit union system
Advanced knowledge of operational risk management practices, GRC tools (e.g., Resolver) and third-party risk management

Interested?

Click the ‘Apply now’ button!

Manager Credit Risk

Manager, Credit Risk

Are you interested in a meaningful career where you can contribute to the financial well-being and economic growth of Indigenous people and communities in Canada? The Bank is at an exciting time in its’ history, we’re growing, and as a result, we’re increasing our workforce with bright, energetic, purposeful individuals of all walks of life.

As a Manager, Credit Risk, you will be overseeing the Bank’s credit granting process by primarily adjudicating, reporting and tracking procedures for commercial, personal and mortgage lending nationwide. This is a permanent full-time position. We are open to hybrid or in-office at one of our main office locations in Saskatoon or Vancouver. These locations are on First Nations land.

Here’s what you’ll be doing:

Support the commercial and personal lending process through adjudication of credit applications
Contribute to bank customer service standards through timely turnaround of deals
Work with the VP to develop solutions, such as new products to address business and personal banking needs
Enhance and maintain the Bank’s Credit Risk Management policies and procedures and lending platforms
Remain current with Credit Risk Management best practices and procedures
Assess commercial applications ensuring they provide a high quality of risk assessment, credit structure, due diligence, and credit presentation
Adjudicate personal and mortgage loan applications ensuring a high quality of risk assessment
Approve credits within delegated limits and make recommendations on others that require approval from the VP or CEO
Regulatory compliance management and testing of commercial and retail credit business functions
Comply with FNBC credit policies, procedures, guidelines, and best practices regarding all credit related matters
Liaise with Internal Audit to identify areas of concern with Credit and Monitoring and Control
Coordinate monthly, quarterly, and annual credit risk reporting
Coach and assist the Commercial Group and Retail Group in maintaining and implementing credit risk controls
Share expertise and knowledge with the Commercial and Retail Groups and other business units
Act as a reference and source of expertise to the Bank and management teams
Understand and implement the monitoring & control and delinquency process for commercial and retail departments

What we’re looking for:

Bachelor’s degree in Business Administration (Finance or Accounting), Commerce or related field
Five (5) years’ experience working in a credit-related role: Commercial lending experience is required; Retail lending experience considered an asset.
Experience with lending to First Nations
Three (3) years’ experience in a people management role
Understanding of commercial/small business/personal loans and lending procedures
Demonstrated sound judgement to make decisions
Attention to detail
Exceptional organizational and interpersonal skills
Ability to manage a high volume of work with tight deadlines
Acceptable criminal record and credit checks

We are passionate about creating an inclusive workplace and value and respect diversity of our staff.

We offer a comprehensive total rewards package, including group benefits, savings plan, professional development, and opportunities for career growth. If you are interested in this opportunity, meet the qualifications, and are eligible to work in Canada, please visit our website at www.fnbc.ca or send your resume and cover letter by email to apply@fnbc.ca. The posting will close on August 29, 2023.

We thank all candidates for their interest, however, only those selected for an interview will be contacted.

Growth Marketing Specialist

It’s an exciting time to be part of SASCU! Come join a dynamic marketing team set to deliver on a fresh brand purpose that boldly inspires people, communities, and businesses.

Feel good about the work you do and your positive impact on the financial well being of thousands of people throughout the Shuswap. Carry it out among a work culture that is the perfect blend of friendliness, collaboration, and professionalism—plus fun!

As SASCU’s Growth Marketing Specialist, you will be a powerful force in growing SASCU Financial Group’s business lines and brand overall. Using traditional and digital marketing savvy, you will grow our membership and client numbers, strengthen relationships, and enhance financial confidence. Delivering on strategic priorities, you will create high-quality content and effective campaigns promoting SASCU products and services to target audiences. You will advance the value of being part of SASCU.

What you’ll do:

Drive leads and new business – develop and execute campaigns to effectively reach desired target audiences and achieve marketing goals.
Work closely with in-branch teams to execute their role in the campaign and optimize conversion of leads.
Create high-quality content for a variety of platforms, including SASCU’s websites and social media, to promote SASCU’s brand and the value of membership.
Create and manage online advertising.
Lead engagement and development of the Marketing Ambassador team to cultivate the relationships between marketing and branches.

What you’ll bring:

Degree or diploma in Marketing, Digital Marketing, Communications, or a related field.
3-5 years’ experience in marketing, preferably in a financial services environment, or an equivalent combination of education and experience.
Experience using online platforms and tools to execute digital marketing strategies, grow social media channels, and track engagement.
Knowledge of product lines and business processes in the financial sector; front line experience providing financial services to customers is an asset.

You’re perfect for this role if you have:

Superior written and oral communication skills.
Advanced Microsoft Office skills and working knowledge of Google Ads and Analytics.
Attention to detail and high level of accuracy.
A valid driver’s license and access to reliable transportation is required.

We offer:

A competitive base salary plus performance-based incentive pay.
A pension plan with SASCU matching all funds.
Comprehensive group benefits coverage including extended health and dental care, travel insurance, life insurance, and an Employee and Family Assistance Program.
Flexible spending account for health and personal wellness activities and expenses.
Flexible work arrangements and paid time off including vacation, medical/care time, a flexible “Floater Day”, and paid community volunteering.
Opportunities for career growth, financial aid for training and development, and rewards and recognition.
Waived or reduced banking fees, and reduced rates on personal loans and mortgages.

This is a full-time, Monday to Friday position. It is an excellent opportunity for a community-minded individual to further their career within a successful and growing organization. If this sounds like you, let us know! To apply, please email a cover letter and résumé to us at hr@sascu.com.

Flexible Work Arrangements:

A regular in-branch presence is required. As such, the successful candidate must reside within a commutable distance of Salmon Arm, BC. Consideration will be given to a hybrid (not full) remote work arrangement after the successful candidate has completed probation.

Our Commitment to Diversity and Inclusion:

SASCU is an equal opportunity employer committed to supporting Diversity and Inclusion. We recruit and select applicants for employment solely based on their qualifications, with emphasis on selecting the best-qualified person for the job. We support an inclusive environment where employees feel empowered to share their experiences, ideas, and perspectives.

A bit about SASCU:

SASCU Financial Group offers a broad range of personal and business financial services through SASCU Credit Union and its three lines of business: SASCU Insurance, SASCU Wealth, and Commercial banking. SASCU Credit Union branches are in Sicamous and Sorrento, plus two in Salmon Arm. Established in 1946, SASCU has more than 19,000 members, 150 staff, and $1 billion in assets. In addition, SASCU stewards $235 million in client investments and serves more than 5,000 insurance customers. Learn more at www.sascu.com

The successful candidate will be required to meet fidelity bonding requirements, including completion of references, a criminal record check, and credit check.

Manager, Financial Services

We invite you to lead a team where you can feel good about the work you do and the positive impact you have on the communities we serve in the Shuswap region. We believe in fostering a work environment that is the perfect blend of friendliness, support and professionalism, not to mention, fun!

The Manager, Financial Services leads the Advisory Team to achieve objectives, ensure operational efficiency, and deliver on the SASCU Member Experience. This position actively provides coaching to branch staff to execute SASCU’s sales and service strategy and achieve member and employee satisfaction. This role is also responsible for managing an assigned member portfolio, including offering advice and financial products and services to members.

What you’ll do:

Lead and develop staff by being a resource and providing coaching, guidance, and technical direction on all investment and lending products, services, policies, and procedures.
Monitor individual and team results, identify gaps to target in a timely manner, and implement action plans to close gaps.
Collaborate with the Regional Branch Manager to develop a proactive strategy to lead the branch to build a greater membership base and have a positive impact on the community.
Provide coaching to branch staff for consistency of activities and behaviours that support the Member Experience.
Support staff in correcting complex and/or difficult member service situations;
Ensure adherence to service standards through ongoing observation, communications, and training.
Lead direct reports through the annual performance management process using goal setting, interim reviews, feedback, and year-end reviews to improve results.
Oversee and monitor member services and lending activities to ensure the provision of maximum service levels and the smooth flow of work.
Conduct and oversee a variety of audit activities to ensure compliance with procedures, policies, and regulations.
Partner with members at all stages of their life, providing advice on a full range of deposit, investment, and lending products and services for an assigned portfolio.
Undertake other related duties to support the collective success of the branch team and maximize the Member Experience.

What you’ll bring:

5-7 years of progressive financial industry experience in investments and lending, including 2 years in a leadership role.
Registered as a mutual funds representative, or enrolled in an applicable course upon commencement and registered within 3 months.
2 years of mutual funds sales experience.

You’re perfect for this role if you:

Enjoy providing effective leadership to staff through on-going coaching and feedback.
Have a solid knowledge of credit union policies, procedures, and investment and lending products and services.
Possess solid working knowledge of regulatory requirements pertaining to activities supervised and performed.
Demonstrate excellent sales coaching skills and the ability to provide exceptional member service.
Are able to resolve challenging and complex member situations that have been escalated.
Show commitment to continuous learning and self-development.

We invest in our employees by offering:

A competitive base salary plus performance-based incentive pay, and a pension plan with SASCU matching all funds.
Comprehensive group benefits coverage including extended health and dental care, travel insurance, and life insurance, and an Employee and Family Assistance Program.
Flexible spending account for additional health and personal wellness activities and expenses.
Flexible work arrangements and paid time off including vacation, medical/care time, a flexible “Floater Day”, and paid community volunteering.
Opportunities for career growth, financial assistance for training and development, and rewards and recognition.
Additional benefits including waived or reduced banking fees and reduced rates on personal loans and mortgages.

This is a full-time Monday to Friday position. It is an excellent opportunity for a community-minded individual to further their career within a successful and growing organization. If this sounds like you, let us know! To apply, please email a cover letter and résumé to us at hr@sascu.com.

Our Commitment to Diversity and Inclusion:

A bit about SASCU:

The successful candidate will be required to meet fidelity bonding requirements, including completion of references, a criminal record check, and credit check.

Information Governance Specialist

Open to any location in Canada
Innovation Credit Union – Find Branch(innovationcu.ca) or ability to work from your home office

Apply By August 20

Annual Salary: $71,635 – $98,498

We come to work to simplify banking for all Canadians – that’s our purpose.

How does this position help fulfill Innovation’s purpose? Glad you asked!

The Information Governance Specialist is responsible to support the operation of the Information Governance function including:

Data Definitions and Rules Management
- Understands the business and its data needs.
- Ensures data definitions and rules accurately reflect the business needs.
Data Controls and Metrics Management
- Supports system and process data controls that are in place.
- Monitors data health metrics and alerts the Information Governance Lead when these controls are not being effective or are missing.
Support the regulatory reporting system (OSFI, Bank of Canada, CDIC)
DTGC support and reporting assistance to the Information Governance Lead.

The core objectives of this role are:

To support the functional Subject Matter Experts data stewardship responsibilities.
To support the improvement of data management efficiency.
To support the process for addressing data issues.
To maintain documentation of business data requirements including business definitions, rules, and quality thresholds.
To support the maintenance and development of the regulatory reporting system.

WIIFY (what’s in it for you):

Competitive Salary
Diverse and Inclusive Culture that continues to evolve
Flexible work arrangement options
Strong benefit package
7% Superannuation matched contribution program
Attractive variable incentive program
Wellness Days to create appropriate work/life balance
Paid Education opportunities to ensure our members have the most equipped staff to help them
A purpose-driven organization that focuses on the values of Accountability, Integrity and Respect
And lots more reasons to love where you work and what you do!

What our team is looking for:

A growth mindset that emulates Model, Coach and Care behaviours in every activity and approach
A solution mindset that feeds inertia
An ambassador willing to promote our team inside and outside the organization.
Somebody who is digitally capable and wants to dig into new technology with enthusiasm!
Somebody who can work with occasional ambiguity with a focus on process evolution.
A mindset of Solve, Serve, Sell – a problem solver, serving our members directly or indirectly, and selling our brand!
Somebody to sweat the small stuff, but also see the big picture.
Personality and Energy – a flair for polish, and you bring your personal, creative touch to everything you do!

What will you do?

Support the management of the regulatory reporting system including the Bank of Canada and OSFI Portals.
Administer Microsoft Purview including the curation of data assets, glossary, asset classification, and user management.
Maintain IG Yammer Site with announcements, educational posts, and training.
Support the development of Information Governance training, policies, procedures, and user guides.
Monitor OSFI, CDIC sites for new updates to reports.
Support the analysis of the complexity of OSFI changes in collaboration with BI and SMEs.
Gather and analyze requirements for any additions to the enterprise data model.
Serve as backup Scrum Master for the IG agile team.

Some things that would impress us:

Agile training or certification is an asset.
Experience with regulatory reporting in a federal FI environment.
Experience with DevOps and working experience with business glossary and data profiling technologies.
An understanding of data modeling concepts.
Strong analytic skills.
Ability to define opportunities and problems, collect and analyze data, establish facts and make valid conclusions.
Excellent interpersonal and communication skills.
Innovative, critical thinker capable of operating both in a strategic capacity (big-picture perspective, asks “why”) and a hands-on/execution capacity (detail-oriented).
Strong sense of ownership, initiative, and urgency in addressing issues and following up.
Intermediate-level knowledge of data governance and data management practices.
Experience working with Microsoft Dynamics CRM and SharePoint is an asset.
Ability to influence and collaborate with teams of senior technical professionals.
Proven skills to work effectively across internal functional areas in ambiguous situations.

Interested?

Click the ‘Apply now’ button!

Commercial Account Manager III – Syndication

Interior Savings is a locally-based financial institution serving the Interior Region of British Columbia; we are one of the largest credit unions in the province. Our customers are our members, our members are our owners, and our success begins and ends with you. Our Way Forward is to make a positive difference in people’s lives and enrich each member’s life journey while keeping the human touch in a digital world. Interior Savings takes pride in the fact that we operate in a socially responsible manner and are highly visible supporters of the communities we serve. That’s local money for local good.

If you would like to be part of a team that makes a positive difference in people’s lives, check out this great opportunity.

We are seeking a Full Time Commercial Account Manager III – Syndication in our Kelowna area. The Commercial Account Manager III – Syndication, supports Interior Savings’ vision of sales & service excellence by developing valuable long-term relationships with Syndication Partners, pro-actively determining and fulfilling their commercial credit needs. The Commercial Account Manager III will assist other Commercial Account Managers find non lead syndication partners when necessary.

Through proven sales and service ability combined with your ability to meet and exceed assigned goals and objectives you will develop the commercial portfolio by pro-actively managing assigned accounts. You will also actively pursue internal referral opportunities and external business opportunities. Utilizing your attention to detail and accuracy you will recognize member needs and promote lending products & deposit services and refer more complex requests to respective Credit Union professionals. Additionally, you will develop a syndicated loan origination strategy and will coordinate credit union system partner relationship coverage to maintain an ongoing flow of incoming syndicated loan opportunities.

With strong judgement and problem-solving skills, you will foster business development through service excellence and product knowledge and recommend and present loans within the lending limits of the credit union to businesses to finance commercial activity. Your professionalism, tact and courtesy will help you while assisting the Senior Manager Credit Risk in maintaining credit quality. You will provide guidance to account managers to ensure syndicated loan applications and annual reviews are prepared to appropriate standards. The Commercial Account Manager III – Syndication would work with collection solicitors to the advantage of the Credit Union in asset realization or legal situations.

Through personal strengths in communication, leadership, and initiative you will mentor Account Managers with syndication files (both lead and non-lead) by identifying skill gaps and provide mentoring that relates to syndications; provide subject matter expertise to administrative staff; developing performance standards with input from the Regional Manager(s), Commercial Services; creating opportunities for employee growth and satisfaction. You will also perform other duties as assigned.

Education

Bachelor’s Degree or a diploma requiring 3-4 years of full-time study or equivalent.

Experience/Knowledge

7-10 years of job-related experience in the commercial lending field.
3-5 years of management or supervisory experience.
Working knowledge of the writing and adjudication of small business and commercial credit.
Incumbent must have his/her own vehicle and be willing to travel.

“For more information or to apply for this position please visit our website: www.interiorsavings.com”

We thank all applicants for their interest and will contact short-listed candidates only.

Small Business Commercial Account Officer

We invite you to be part of a team where you can feel good about the work you do and the positive impact on the communities we serve in the Shuswap region. We believe in fostering a work environment that is the perfect blend of friendliness, support and professionalism, not to mention, fun!

The Commercial Account Officer (Small Business) provides customized lending service to an assigned portfolio of business members. This position is responsible for the growth and administration of the commercial loan portfolio, acting as business members’ financial partner through the delivery of timely and relevant financial advice.

What you’ll do:

Conduct loan interviews with business members to uncover needs and advise on commercial lending products and services to best meet their needs.
Evaluate securities and analyse commercial financial statements and various factors affecting loan viability.
Negotiate loan terms and interest rates relative to risk within assigned lending limits and established policy.
Deepen member relationships through site visits to proactively gather insights into member needs, changing circumstances, and to ensure ongoing satisfaction with SASCU.
Resolve complex or contentious issues with business members with “win/win” solutions.
Identify opportunities to meet member needs through SASCU’s full line of products and services and connect members to appropriate specialists.
Take a positive and active part in business development activities to promote SASCU’s commercial account services.

What you’ll bring:

Two years of post-secondary education or equivalent.
3-4 years of lending and financial advisory experience.
A valid driver’s license and ability to travel within our community.

You’re perfect for this role if you:

Have a history of sales success.
Understand standard commercial lending products, services, and practices.
Possess strong organizational, time management, and communication skills.
Display a high level of ownership, accountability, and initiative.
Are comfortable with technology, including banking systems, CRMs, and other programs.
Are committed to continuous learning and self-development.

We invest in our employees by offering:

A competitive base salary plus performance-based incentive pay, and a pension plan with SASCU matching all funds.
Comprehensive group benefits coverage including extended health and dental care, travel insurance, and life insurance, and an Employee and Family Assistance Program.
Flexible spending account for additional health and personal wellness activities and expenses.
Flexible work arrangements and paid time off including vacation, medical/care time, a flexible “Floater Day”, and paid community volunteering.
Opportunities for career growth, financial assistance for training and development, and rewards and recognition.
Additional benefits including waived or reduced banking fees and reduced rates on personal loans and mortgages.

Our Commitment to Diversity and Inclusion:

A bit about SASCU:

The successful candidate will be required to meet fidelity bonding requirements, including completion of references, a criminal record check, and credit check.

Credit Underwriter

We invite you to be part of a team where you can feel good about the work you do and the positive impact you have on the communities we serve in the Shuswap region. We believe in fostering a work environment that is the perfect blend of friendliness, support and professionalism, not to mention, fun!

The Credit Underwriter reviews, processes, approves, and refers SASCU’s retail credit applications up to $500,000 within authorized limits and specified turnaround times. The Credit Underwriter ensures that proposed loans adhere to existing policies and guidelines to maintain the loan portfolio’s quality and profitability while enabling portfolio growth and mitigating potential risks. The Credit Underwriter contributes to the development and maintenance of accounts and maintains strong relationships with internal and external partners and makes recommendations for continuous improvements on processes to ensure member satisfaction.

What you’ll do:

Underwrite retail credit applications up to $500,000 while ensuring adherence to SASCU’s policies, guidelines, and external lender and insurer guidelines (CMHC).
Manage risk within credit-granting approval limits, minimize exposure to risk, and control losses arising from delinquency and overdrafts.
Respond to inquiries from employees, provide updates on loan statuses, and serve as a point of contact for credit policy, procedure, pricing, and guidelines interpretation.
Work closely with retail lending staff to gather necessary information and resolve underwriting scenarios.
Assist with the development of lending staff training materials as required, and aid with ongoing training and coaching for lending staff.
Adhere to pricing (discounting) within guidelines to ensure profitability.
Consider, recommend and, when appropriate, implement updates to SASCU’s credit processes to meet service standards.

What you’ll bring:

A Business Administration degree or diploma is preferred.
3-5 years of retail lending and/or credit adjudication experience.
A strong understanding of credit adjudication principles, policies, and procedures, and a proven track record of responsible credit preparation.
Thorough knowledge of principles of credit analysis and risk management.

You’re perfect for this role if you:

Are an excellent verbal and written communicator, to provide service-oriented solutions to internal customers.
Have the ability to manage a high volume of work within tight deadlines.
Are detail-oriented with strong decision making and analytical skills.
Can maintain awareness of the external economic environment.
Are committed to continuous learning and self-development.

We invest in our employees by offering:

A competitive base salary plus performance-based incentive pay, and a pension plan with SASCU matching all funds.
Comprehensive group benefits coverage including extended health and dental care, travel insurance, and life insurance, and an Employee and Family Assistance Program.
Flexible spending account for additional health and personal wellness activities and expenses.
Flexible work arrangements and paid time off including vacation, medical/care time, a flexible “Floater Day”, and paid community volunteering.
Opportunities for career growth, financial assistance for training and development, and rewards and recognition.
Additional benefits including waived or reduced banking fees and reduced rates on personal loans and mortgages.

Our Commitment to Diversity and Inclusion:

A bit about SASCU:

The successful candidate will be required to meet fidelity bonding requirements, including completion of references, a criminal record check, and credit check.