Occupation Types: Credit & Collections

Director, Commercial and Retail Credit Risk

At ABCU Credit Union Ltd. (ABCU) our culture is based on our passion to be financial professionals that are dedicated to doing what is right for our credit union and our members. We embrace employee strengths and strive to empower employees to make the right decisions quickly and accurately every day. Ensure your team has the tools to deliver a meaningful member experience in an environment that values and supports their contributions.

The Director, Commercial and Retail Credit Risk is a member of the Senior Leadership team required to supervise and oversee the Credit Risk Strategy, credit policies and execution of ABCU’s overall credit risk management processes. This is achieved by full ownership of all aspects of lending including policy, loan origination, forms, procedures, collections, and training programs and indirectly responsible for contributing a seamless credit experience across all touchpoints.

This role attends Board meetings and is required to provide quarterly business updates to the Board of Directors and field any questions they may have.

Credit Risk Management Expertise:

  • Have expert knowledge in credit adjudication and be the subject matter expert in all aspects of credit risk management.
  • As chair of ABCU’s Credit Committee, create a dashboard to provide the Board with an overview of the lending volumes, trends, pricing, delinquency, and other information needed to provide the Board with enough information for governance and oversight.
  • Develop the annual Credit Risk Management Policy (CRMP) policies and risk appetite statement and seek CEO approval prior to Board approval.
  • Be the expert with your knowledge and understanding of ABCU’s CRMP policies as they pertain to all lending.
  • Ensure ABCU’s lending portfolio remains within the CRMP risk tolerance and CUDG Corp guidelines for business mix.
  • Be the key relationship owner with CUDG Corp regarding the lending files.
  • Ensure no credit request submitted to CUDG Corp is without your oversight, comments, and support.
  • Establish appropriate loan pricing based on risk and member relationship with new and renewing loans.
  • Provide direction and expertise to deliver a digital lending platform that supports the evolving needs of the membership.
  • Strive to make the borrowing processes simple and efficient to support improved member access through electronic channels.
  • Ensure the lending handbook is reviewed and updated annually to reflect any changes.
  • Work with the CEO on the niche market strategies specific to commercial and retail services and execute effectively.
  • Create loan training programs to ensure employees have the capability to provide lending advice to members.
  • Work with people leaders to ensure that all loan trainees are meeting expectations through observations and audit processes.
  • Have working knowledge of retail banking and wealth management.

Experience Required:

  • Post secondary degree or diploma required.
  • Comfort and ability to work with a high level of detail/accuracy.
  • This is predominantly a self-managed role.
  • Proficient use of Microsoft Office Suite (Word, Excel, Outlook).
  • The ability to work efficiently without sacrificing accuracy is essential.
  • 10-15 years of job-related/industry experience.
  • Completion of CUIC General Studies Program preferred or working towards (may be waived depending upon position).
  • A combination of post-secondary education and work experience will be considered.

Interested candidates please provide a cover letter, salary expectations and resume to:

Cindy Bennett, COO

ABCU Credit Union

general@abcu.ca

ABCU thanks all applicants for their interest; however, only those selected for an interview will be contacted.

Closing date: position will remain vacant until a suitable candidate is identified.

Lending Support Administrator (2 Positions)

About Us
First Nations Bank of Canada is a federally chartered bank primarily focused on providing financial services to the Indigenous marketplace in Canada. Over 87% Indigenous owned and controlled, FNBC is a leader in advocating for the growth of the Indigenous economy and the economic well-being of Indigenous people. Headquartered in Saskatoon, SK and named one of Saskatchewan’s Top Employers, FNBC takes pride in its workforce of over 64% Indigenous employees working at locations across Canada.

About The Role
The Lending Support Administrator processes loan documentation and subsequent loan maintenance in the banking system; researches and resolves operational and credit related issues and service requests; develops and maintains lending procedures; and administers and reviews security and loan parameters. This is a high-paced position which includes time sensitive deadlines, large dollar transactions and attention to detail. These are permanent full-time opportunities and based out of our Saskatoon office, which is located on First Nations land.

About You
You must be a team player with exceptional communication skills, a multi-tasker who can manage their time effectively and an individual who can problem solve and actively seek opportunities for improvements. You must have successfully demonstrated the ability to work in high volumes and in fast paced environment; have the ability to make decisions and be accountable for those decisions. You must have excellent PC skills, including: Word, Excel,
DNA; knowledge of ProLender, CUMIS iCLIC, DRVA and cView. A commitment to continuous learning and development is required.

You must have:
• Post-secondary education in business preferred
• Four (4) years’ experience working in a lending or lending support role
• Knowledge of set up of loans within the banking system
• Pro-active response to Advisor requests and issue resolution
• Familiarity with lending reporting and the ability to quickly identify and resolve areas that require action
• Knowledge of or experience with ISC/PPSA and Land Titles/Corporate Registry
• Knowledge of First Canadian Title, CMHC and Genworth as well as Concentra Financial Services Out of Province Mortgage registration/discharge of mortgages system
• 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 remain open until May 5, 2023.

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

Credit Specialist

As a Credit Specialist, you evaluate credit applications and adjudicate credit outside the limits of the teams responsible for lending activity across our Credit Union. You review applications for compliance to sound practice, policies, procedures, and regulations. You achieve this by reviewing lending information and analyzing financial statements and supporting information to assess credit worthiness and risk coverage of loans.

 

Your attention to detail is key in this role. You demonstrate advanced knowledge of sound lending practices, policies, procedures, and laws governing all lending. Along with your expertise and exceptional customer service skills, you use prudent judgement and decisiveness in the analysis, approval, recommendation and decline of loans. You are also a willing coach and provide feedback on the submission and adjudication decision to team members.

 

You’ll be successful in this role if: others describe you as responsive, exceedingly competent, organized, and driven to dig into a file and understand the story. You know what’s critical to keep the application on track, and continually adapt to changing circumstances. You have a professional presence, and work daily to build relationships, credibility, and the competence of those around you.

 

Qualifications:

You have:

  • A related degree or diploma,
  • Experience in the areas of agricultural, commercial, and consumer lending and an understanding of lending requirements and compliance,
  • Excellent comprehension, communication, and interpersonal skills,
  • Solid working knowledge of MS Office,
  • Experience with customer relationship management software and loan origination systems,
  • Experience with syndications is preferred.

An equivalent combination of education and experience will be considered.

 

The Location:

Synergy operates on the lands referred to as Treaty 6 Territory, which encompasses the unceded lands of Indigenous Nations and Peoples, including the Plains Cree, Woodland Cree, Saulteaux, Nakota, Dene, and Metis.

 

This role is eligible for hybrid work. Ideally, the incumbent would be based in Lloydminster or one of the communities we serve (Kindersley, Saskatoon, etc.).

 

To Apply:

Submit your cover letter and resume before the end of day on Sunday, March 19th, 2023, to:  careers@synergycu.ca. Please quote competition #233301 in the Subject Line.

 

We thank all applicants in advance for their interest. Only those under consideration will be contacted. The successful applicant will be required to undergo a bonding process that includes a criminal record check and credit check.

 

Synergy Credit Union aspires to have a workforce that is representative of the diversity of our country and encourages applications from everyone.

 

Learn about us at www.synergycu.ca, on YouTube, and on social.

 

Senior Manager, Commercial Credit Risk

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 Senior Manager, Commercial Credit Risk. With exceptional attention to detail the Senior Manager, Commercial Credit Risk is accountable for adjudicating commercial, small business and agricultural credit applications generated by the Commercial/Small Business Centers.  This position is responsible for ensuring that the approved applications meet acceptable risk requirements in accordance with prudent lending practices, corporate lending policy, as well as regulatory and legislative requirements.

This position ensures, within established lending limits, the review, recommendation and approval of commercial, small business and agricultural credit applications that exceed the limits of the Commercial Managers and Commercial Account Managers.  Presentation and support of recommended applications to the Management Credit Committee through established approval processes is a key activity of this position. In addition, this position will develop and implement an effective 2nd level of defense framework of ongoing commercial credit reviews.

As part of the risk management team, the Senior Manager, Commercial Credit Risk actively pursues the assessment of loan portfolio risks and trends and maintenance of credit quality through recommendation of Branch / Regional Office / Staff commercial lending limits, monitoring of portfolio performance, identification of emerging industry, macro-economic and political risks, and training and guidance of commercial lenders. This role is responsible for formulating and recommending policies and procedures for commercial lending, implementing approved policies and procedures, and establishing a compliance and related data quality monitoring and reporting regime. This includes recommending revision of relevant areas of the corporate Investment & Lending Policy and Guidelines in alignment with the Credit Union’s strategic plan and the Board established risk appetite.

This position involves frequent contact with senior management, commercial / small business banking personnel, account managers as well as Accounting, Audit and Treasury departments in a variety of capacities including developing new, more efficient, and pro-active methods to track portfolio quality and trends and test to pre-determined performance benchmarks.

The Senior Manager, Commercial Credit Risk is responsible for providing support, guidance, and direction on matters regarding the administration of higher risk, delinquent and non-performing commercial loans to minimize risk of loss. This role is also responsible for developing reports and metrics on the commercial loan portfolio, including composition, quality, and performance, and collaborating with Finance on the ongoing development, analysis, and calibration of the commercial loan portion of the loan loss model.

*This role is eligible for remote, hybrid or in office work

Education

  • Bachelor’s degree in commerce, business, or a related field
  • Either a CGA, CA, CMA designation preferred 

Experience/Knowledge

  • Minimum 5 years’ experience in commercial risk underwriting with a financial institution, in addition to 7-9 years of field experience in commercial lending
  • In-depth knowledge of credit structuring, security requirements and lending policy, guidelines and practices is a critical requirement for this position
  • A working knowledge of legal issues related to commercial, agricultural lending is required to ensure security, terms, and conditions of approvals are appropriate and effective

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.

 

Lending Service Representative

Are you committed to helping others while working to grow and develop your own career path? Do you want to work with a great team who is here to support you every step of the way? Are you an energetic team member who is confident in consumer and agricultural lending? We might be biased but we think Radius would be a GREAT place for you to work!

We are seeking an experienced, full-time Lending Service Representative to be based out of our Tribune Branch.  Reporting to the Business Development Manager, responsibilities include interviewing members and potential members, analyzing loan applications, granting and/or recommending consumer, agricultural and commercial loans and mortgages and ensuring compliance with relevant legislation, regulations, policies, and procedures. The position is also responsible for cross-selling the full range of Credit Union products.

Preferred/Ideal Qualifications:

  • 2-4+ years of experience in consumer, agricultural, and/or commercial lending.
  • One year of related post-secondary education. (a combination of education and experience will be considered)
  • Ability to interpret complex member financial information, assess risk and determine product/service opportunities.
  • Proven success working in a client (member) service and goal-oriented environment.
  • Highly motivated with excellent interpersonal, communication, and time management skills.
  • A demonstrated commitment to ongoing professional development.

 

The Credit Union / Organization: 

Radius Credit Union is a rural based community focused credit union with seven (7) branches, assets over $500 million and nearly 50 employees serving 4900 members. Radius Credit Union builds relationships by providing financial solutions and supporting its communities.  Employee engagement is valued and there is ample opportunity for growth for career minded individuals.

The Community:

Located in the heart of the Souris Valley, Tribune is a small community located approximately 25 km from the Canada-US Border. The area and communities surrounding Tribune offer ample recreational opportunities including a full-service campground, 9-hole sand green golf course, hockey & curling rinks, indoor swimming pool, ball diamonds, fishing, boating and more! The nearby Lyndale School offers classes from Grade K-8, with bus service available for Grade 9-12 students.

Compensation:

Radius Credit Union offers a competitive compensation package including a 7% matched defined contribution pension plan administered by the Co-operative Superannuation Society, participation in a Variable Incentive Program, a full range of employee benefits including medical, dental, EAP and life/disability insurance.

If you are interested in becoming a part of our team, please submit your resume, in confidence, on or before January 6, 2023, via email or mail to:

Radius Credit Union
Box 339
Ogema, SK S0C 1Y0
Attn: Michelle Leonard, HR & Marketing Coordinator
michelle.leonard@radiuscu.com

Posting will remain open until a suitable candidate has been hired. We appreciate the interest of all applicants; however only those under consideration will be contacted.

Credit Adjudicator

Are you highly organized with exceptional prioritization abilities to adapt to competing work demands?  Do you have strong analytical skills with a solution-focus approach?  Do you have a helpful and collaborative nature and can easily build relationships with your team and those you support?

Prairie Centre Credit Union, Saskatchewan’s largest rural-based credit union, currently has a permanent full-time Credit Adjudicator opportunity available. The successful candidate will be detail-oriented, thorough, and well-organized to ensure sound decision-making in the analysis of data for the recommendation of credit. Reporting to the Vice President Credit, the Credit Adjudicator will be responsible for fostering internal relationships by providing exceptional service in retail lending through the provision of loan analysis and administrative support, to achieve overall growth.

Responsibilities:

  • Promote and support a relationship-based service environment
  • Identify and recommend concepts and innovative approaches that leverage corporate resources and provide productivity efficiency improvements
  • Adjudicate loan requests and credit approvals
  • Assist with syndicated loan reviews
  • Manage risk by following risk mitigation practices and monitoring processes within the loan portfolio
  • Collaborate on developing lending strategies that are consistent with vision and strategic initiatives
  • Ensure compliance and adherence to applicable legislation and Prairie Centre policies and procedures

Qualifications:

  • Relevant degree or a combination of education and experience in the financial services industry
  • Minimum of 5 years lending experience (expert knowledge of consumer and agricultural lending with a sound understanding of commercial lending)
  • Proficient in analysis of complex financial statements, credit granting, and risk management
  • Excellent interpersonal, oral, and written communication skills with an aptitude for relationship-building
  • Strong analytical skills with attention to detail and numeric reasonability
  • Ability to prioritize work requirements to meet deadlines and time constraints
  • Demonstrate integrity, confidentiality, and initiative
  • Excellent problem solving and decision-making abilities

Prairie Centre Credit Union provides employees with the opportunity for personal and professional growth within an environment that promotes continuous learning. We offer a competitive compensation package, excellent employee benefits, and a matched superannuation plan.

For additional information on this opportunity, please contact Dallas McDonald, Vice President Credit, at 306-882-5575. To apply, please submit an electronic copy of your cover letter and resume on or before Wednesday, December 7, 2022, to: careers@pccu.ca.

We thank all applicants for their interest; however, only those candidates being considered for an interview will be contacted.

Vice President Business Advisors

Vice-President Business Advisors

Permanent Full Time

Closes October 24 

Open to Any Location in Canada
(ability to work remotely from your home office)

Annual Salary: $121,844 to $152,305

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

Would you like to earn above average pay, maintain a strong work life balance, a flexible schedule and have the security of a career-path supported by your organization? We offer that and so much more.

THE COMPANY – Our Purpose is to redefine banking by helping Canadians simplify their lives and reach their financial goals by reinvesting profits into our members, communities and our people. Now that Responsible Banking!

Click the link below to see what Innovation Credit Union is about! Trust us, you are going to want to learn more about who we are!

Innovation Credit Union – About Us (innovationcu.ca)

What some of the things a Vice President Business Advisors might do:

THE POSITION:   Reporting to the Senior Vice President, Business Advisors, this strategic position will oversee the business development within the Business Advisor Team. This position will provide leadership and direction in building a proactive sales culture while providing proactive, advisory services to a portfolio of key Agriculture and Commercial members.

  • Coach, Mentor and Manage Staff to champion the overall principles of our MemberFirst Culture and Omni-Channel delivery strategy as it relates to our sales and Service environment and standards. Ensuring the implementation and execution of portfolio management practices and foster an environment of proactive advisory services to member’s by team and self.
  • Implementation of InnovationOne processes across team to drive consistency and efficiency.
  • Lead a team that provides agricultural and commercial lending services, deposit and loan portfolio management and deposit advice.
  • Collaborate Internally and Externally on strategic business issues/opportunities and take action to continually improve productivity and profitability
  • Assess, identify, and mitigate risk as aligned to First Line of Defense principles and correlated to quality assurance, credit underwriting and overall sound portfolio management expectations.
  • Through a business line ownership model and a First line of Defense approach, ensure all activities, including credit origination, are executed within sound management practice and organizational risk appetite.
  • Ensure the implementation and execution of entrepreneurial portfolio management practices that foster environment of proactive advisory services to members.
  • Establish, maintain and grow relationship with members, team, business community, professionals and suppliers. Organize, schedule and monitor service provision to ensure maximum service levels.
  • Grow sustainable business through new member acquisition, deposit and loan portfolio growth.
  • Provide operating and capital budgets and financial forecasts for your team and monitor performance in relation to budget.
  • Creation of Sales plans that align marketing with strategic initiatives.
  • Seek constant and steady improvement in key strategic areas related to Commercial and Agriculture banking.
  • All leaders are responsible for ensuring day to day compliance with policies and procedures that are relevant to their operational area. Leaders are required to monitor and identify and instances of non-compliance during day to day activities and, if material, notify the Manager of Compliance who will report to Board and ELT.

What are some of the skills/experience a successful candidate will possess?

  • University Degree Commerce, Business or related discipline or completion of ACUIC Studies Program plus 7 years of job related experience or equivalent combination of education and experience
  • Proven high standards of verbal and written communication skills and attention to detail
  • Proven collaboration skills with the ability to build relationships with various stakeholders
  • Proven ability to manage cross functional projects and prioritize deliverables to meet deadlines
  • Knowledge and understanding of the regulatory environment that impacts the financial services industry
  • Demonstrated commitment to continual professional development

Interested?

Apply at www.innovationcu.ca/careers

Financing Specialist

At Conexus, it’s not what we do, it’s how we do it.

Are you ready to make a move and work for a company who puts the financial well-being of its members first? It’s not just something we say at Conexus. It’s a promise delivered by our 900 employees each day. We are passionate about our members’ financial health, and our employees reflect that passion. At Conexus it’s about more than conducting a banking transaction, it’s about creating a personalized experience for each member. We do this by keeping it simple and lending an ear to each member’s individual needs throughout Saskatchewan.

Our employees are authentic, bold, creative, and responsible. They are the reason we consistently deliver outstanding member experiences. They’re more than just individuals who come to work each day, each employee is a vital part of Conexus.

We acknowledge that our Conexus offices and facilities are located on Treaty 2, 4, 5, 6, 8 and 10 lands. These are the traditional lands of the Cree, Dakota, Dene, Lakota, Nakota and Saulteaux peoples, as well as the homeland of the Métis.

The bigger picture

We’re looking for a self-motivated individual to come on board as a Financing Specialist in Saskatoon. We are also open to consider candidates in Prince Albert or Humboldt. You must be passionate about helping local businesses succeed and comfortable working both independently and as a part of the team. You will contribute as a key member of our team alongside business advisors by utilizing your strong business, financial and credit analysis skills to identify opportunities for enhanced solutions and providing recommendations that support our members financial well-being.

 How you’ll be spending your time

  • Providing high quality business and financial analysis to support the underwriting of member credit needs and annual reviews
  • Demonstrating responsible credit and risk analysis and assessment to provide strong credit recommendations
  • Collaborating with business advisors to identify opportunities to provide enhanced advice that supports and improves the financial well-being of our business members
  • Keeping up-to-date on industry trends

The way people describe you

  • Highly analytical with a proven track record in financial and credit/risk analysis
  • Attentive to detail, strong organizational and multi-tasking skills and ability to deliver on timelines
  • A collaborator who supports individuals, teams, projects and initiatives within our organization to help us build and grow member relationships
  • An ace at details, who’s highly accountable and delivers on expectations

The experience you bring

  • 2+ years in a business lending role
  • Well-developed credit underwriting and risk assessment ability
  • Financial statement analysis including ratio analysis and cash flow
  • CSI Moody’s Certificate in Commercial Credit (CICC) or willingness to obtain this designation
  • Post-secondary education in Business, Finance, or Economics is an asset

What you get in return

Our team works tirelessly to ensure the financial success of each of our members. We think such dedication deserves recognition. That’s why we’re proud to offer some of the most competitive job perks of any employer around. Come, join our crew, and find out just how sweet the rewards can be:

  • Competitive compensation and benefits package
  • Industry leading work-life balance and rewards
  • Formal and informal employee development
  • Meaningful work that makes a real difference in our members’ lives

We are excited to consider candidates with combined academic, professional and volunteer experience unique to them. Research shows that many applicants only apply if they meet every qualification of the role and we encourage you to consider the roles that most closely align with your skillset and experience. As we value diverse backgrounds and experiences and are focused on meaningfully building inclusive and diverse workplaces, you may be the new team member we’ve been looking for! This opportunity closes on October 4, 2022 so apply now! If you have questions about this position, please contact Heather Howland at heather.howland@conexus.ca.

Dealer Finance Relationship Manager

DEALER FINANCE RELATIONSHIP MANAGER

Rosetown Administration

Are you highly organized with exceptional prioritization abilities to adapt to competing work demands? Do you have strong analytical skills with a solution-focus approach? Do you have a helpful and collaborative nature and can easily build relationships with your team and those you support?

________________________________________________________

Prairie Centre Credit Union, Saskatchewan’s largest rural-based credit union, currently has a permanent full-time Dealer Finance Relationship Manager opportunity available. The successful candidate will be detail-oriented, thorough, and well-organized to ensure sound decision-making in the analysis and recommendation of Dealer Finance credit. Reporting to the Vice President Credit, the Dealer Finance Relationship Manager will assist in overseeing the Dealer Finance loan portfolio while building positive relationships with customers and providing exceptional service as a first point of contact.

Responsibilities:

  • Assist in managing the Dealer Finance loan portfolio and in achieving loan growth targets as set out by corporate strategy
  • Build and foster strong relationships with the dealer partners to ensure ongoing growth
  • Work collaboratively with dealerships and customers to make recommendations of credit and appropriate solutions, based on the customer needs
  • Complete financial analysis (commercial, agriculture, and consumer) for vehicle loans
  • Maintain open, two-way communication with internal stakeholders to determine the best solution for the customer
  • Identify problem accounts and work with customers to find an appropriate solution
  • Perform collections on all defaulted accounts, in accordance with corporate policies and procedures
  • Flexible work hours are required, including rotational coverage for Saturdays

Qualifications:

  • Lending experience in consumer, commercial, and agriculture preferred, but will consider education and/or a combination of education and experience
  • Experience interpreting financial statements
  • Strong analytical skills with attention to detail
  • Ability to prioritize work requirements to meet deadlines and work within time constraints
  • Excellent interpersonal, oral, and written communication skills with an aptitude for relationship-building
  • Ability to work both independently and as part of a team

Prairie Centre Credit Union provides employees with the opportunity for personal and professional growth within an environment that promotes continuous learning. We offer a competitive compensation package, excellent employee benefits, and a matched superannuation plan.

For additional information on this opportunity, please contact Dallas McDonald, Vice President Credit, at 306-882-5575. To apply, please submit an electronic copy of your cover letter and resume on or before Friday, June 10th, 2022, to: Cara.Nisbet@pccu.ca.

We thank all applicants for their interest; however, only those candidates being considered for an interview will be contacted.

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