Credit & Collections – Credit Union Careers

Credit Adjudication Specialist

Apply by April 1

Annual Salary: $73,730 – $101,378

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 tenants 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 fulfil Innovation’s purpose? Glad you asked!

The Credit Specialist – Adjudication will be responsible for providing quality adjudication service to internal customers through use of risk analysis tools and methods, ensuring security for the members and Innovation Federal Credit Union. This position evaluates credit requests, analyzes financial information, and makes recommendations to obtain financing approvals.

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 helping 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 behaviors in every activity and approach
A solution mindset that feeds inertia
An ambassador who’s willing to promote our team inside and outside organization
Somebody who is digitally capable, who wants to dig into new technology with enthusiasm!
Somebody who can work with occasional ambiguity with 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 own personal, creative touch to everything you do!

What will you do?

Assess and identify risk in credit requests and lending portfolios; analyze financial statements, credit reports, and other relevant data to make informed decisions.
Adjudicate credit applications and complete loan reviews to ensure acceptable risk are underwritten.
Communicate with various levels of management within the credit union to address risk findings and promote the safety and soundness of the credit union.
Ensure organized credit flow and adjudication to provide maximum service levels to Consumer Advisors.
Mentor and guide staff, providing feedback and encouragement in the development of lending skills.
Identify areas of opportunity and efficiency in lending procedures and processes.
Develop recommendations for changes to guidelines, procedures, and best practices.

Some things that would impress us:

Bachelor’s degree in commerce, Business Administration, or related discipline.
3 – 5 years’ lending and credit experience or an equivalent combination of education and experience.
Advanced lending knowledge with strong skills in small business, commercial and agricultural lending.
Understanding of credit risk management principles, including portfolio risk, lending to higher risk industries and inherent risks embedded in lending products.
Comprehensive knowledge of loan underwriting standards and lending guidelines.
Strong interpersonal skills, including excellent oral and written communication abilities.

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.

Collection Specialist

We are expanding our team to help us evolve through the next stage of our growth journey, and we want you to help shape our future. We now have a career opportunity for a Full Time Collection Specialist. This position may work in branch (Saskatoon or Regina) or remotely within Saskatchewan.

As the Collection Specialist you will be….

Responsible for mitigating risk to the credit union through default management and recovery of funds for consumer and commercial loans and mortgages. This includes:

Working closely with members to preserve relationships and change behaviors while minimizing defaults.
Negotiating payment plans and settlements to facilitate debt repayment to help members get back on track.
Managing a portfolio of member relationships.
Collaborating with the Credit Team and Finance Department to address complex collection issues and minimize credit loss.

As the Collection Specialist you are ….

Highly knowledgeable with a strong background in lending and well-informed on policies, procedures, collection methods and legislation.
A strong communicator with solid skills for interacting with members and the team in a professional and courteous manner, especially during negative and adverse situations.
An excellent negotiator and problem solver, with the ability to effectively work with retail and business members to find mutually beneficial strategies and solutions to preserve relationships while ensuring timely debt recovery.
Able to analyze customer financial situations to assess their capacity to repay debts and determine appropriate collection actions.
Highly organized with exemplary time management skills, able to prioritize daily work and plan for deadlines, peak periods and unexpected situations where decisions are extremely time sensitive.

If you are motivated by the thought of this challenge ….

And can demonstrate success through 2-3 years of lending, adjudicating or related collection experience with a degree or diploma in finance or business administration (considered an asset), along with proficient knowledge of Customer Relationship Management software and experience in problem solving and conflict resolution, then this position may be for you!

Get to know us

TCU Financial Group is a credit union grown by Saskatchewan people. For 70 years we’ve been rooted in the province of Saskatchewan, creating our story, growing and evolving alongside the needs of our members. We provide a full suite of financial solutions to people and businesses across the province and one thing that has never changed – our heart remains committed to the people and the communities we serve.

Rewarding times ahead

To support the evolution of our organization, we need talented people who are passionate about creating and delivering meaningful financial solutions for our members. In addition to providing competitive compensation, benefits and pension programs, we support our TCU Financial Group Team and their families by providing an enhanced vacation program to enjoy time doing what they love outside of work.

Thank you for your interest in exploring your future with us!

Please submit your resume and cover letter to:

Human Resources Department
TCU Financial Group
Email: hr@tcu.sk.ca

Chief Risk Officer

Bulkley Valley Credit Union, serving over 14,000 members from Hazelton to Burns Lake, prides itself on employing empowered staff committed to delivering high quality personalized service. This is an exciting opportunity for the right candidate to meet their career goals while balancing their lifestyle with the many amenities our community and the Bulkley Valley has to offer.

If you want to join a dynamic management group dedicated to cooperative values and member service, this is the right career move for you. You will report directly to the CEO and, as a member of the executive team, you will be responsible for strategic oversight of Bulkley Valley Credit Union’s (including subsidiaries) enterprise risk management (ERM) plan at the governance and operational levels. You will be responsible for leading the second line of defense function including enterprise risk management, cyber security, compliance, business continuity, audit functions, retail and commercial credit adjudication, collections and credit recoveries, and loss prevention. You will be accountable to ensure compliance with all applicable legislation and regulatory requirements. You will participate in the development of corporate strategies and policies, identify short and long-term objectives, and contribute to the design and development of policies and programs for the organizations enterprise risk management. You will manage the control, reporting and monitoring and awareness of financial risk management, loss prevention, and security controls for the credit union and identify and recommend areas for improved safeguards.

You will provide leadership and coaching to the risk management/credit team of BVCU. You will support the creation of an Enhanced Service Commitment by encouraging the risk management/credit team to professionally demonstrate BVCU’s Enhanced Service Commitment by efficiently providing support to the organization, establish and maintain strong employee relationships, work as a member of the team, and set a personal example of service and professionalism.

Qualifications

The successful candidate will have a minimum 10+ years’ off in-depth knowledge in the areas of audit functions, financial risk management, compliance, or related field, with professional experience in progressive senior leadership roles. An individual with experience plus education and/or training equivalent to 10+ years will also be considered.

Bulkley Valley Credit Union has a competitive compensation package including an attractive base salary of $126,694 – $158,367 and an excellent benefit and pension package.

To learn more about Bulkley Valley Credit Union, please visit our website at www.bvcu.com. We welcome applications from all interested applicants looking to further their career in a dynamic, supportive and team oriented environment.

Qualified applicants can apply through our webpage at https://can232.dayforcehcm.com/CandidatePortal/en-US/bulkleyvalley/Posting or directly to:

Jana Lukasek, CEO

jlukasek@bvcu.com

Bulkley Valley Credit Union

PO Box 3637 Smithers BC V0J 2N0

Bulkley Valley Credit Union encourages all qualified persons to apply. However, only those who are being considered for an interview will be contacted.

Manager Credit

If you want to join a dynamic management group dedicated to cooperative values and member service, this is the right career move for you. You will report directly to the Chief Risk Officer and, as a member of the executive team, you will be responsible for providing overall management, direction and coordination of processes and frameworks that support retail and commercial activities specific to credit risk management and collections. You will contribute to the development of corporate strategies and policies, identify short and long term objectives, and contribute to the design and development of policies and programs for retail and commercial credit operations. You will develop and implement credit granting policies and procedures and develop new lending products and services; prepare various loan reports; review internal and external loan audit reviews. You will be responsible for retail and commercial centralized lending administration and collection activities; ensure policies and procedures comply with sound business practices, legislation and regulations. You will identify risk issues and ensure processes are in place to effectively identify and manage risk; ensure processes are in place to identify and manage delinquent accounts; and approve loans within delegated approval limits.

You will provide leadership and coaching to the credit support team. You will support the creation of an Enhanced Service Commitment by encouraging their team to professionally demonstrate BVCU’s Enhanced Service Commitment by efficiently providing support to the branches, establish and maintain strong staff relationships, work as a member of the team, and set a personal example of service and professionalism.

Qualifications

The successful candidate will have a minimum of a secondary school diploma plus 5-7 years of management experience in the financial services industry, preferably with a credit union is required. This background will bring 7-9 years of in-depth knowledge in the areas of retail and commercial lending. An individual with experience plus education and/or training may also be considered.

Bulkley Valley Credit Union has a competitive compensation package including an attractive base salary of $88,824 – $111,030 and an excellent benefit and pension package.

Qualified applicants can apply through our webpage at https://can232.dayforcehcm.com/CandidatePortal/en-US/bulkleyvalley/Posting or directly to:

Jana Lukasek, CEO

jlukasek@bvcu.com

Bulkley Valley Credit Union

PO Box 3637 Smithers BC V0J 2N0

Bulkley Valley Credit Union encourages all qualified persons to apply. However, only those who are being considered for an interview will be contacted.

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!

The Opportunity:

We are seeking an experienced, full-time Lending Service Representative to be based out of our Earl Grey 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.

The ideal candidate will possess the following 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 Incentives:

Competitive compensation plan, including Variable Incentive Pay
Comprehensive benefits package, plus a 7% matched pension
Career Development & Advancement Opportunities
Work/Life balance with paid vacation, sick leave and family leave

About our Credit Union:

Radius Credit Union is a rural based community focused credit union with eight (8) branches, assets over $600 million and nearly 60 employees serving 5700 members. Radius Credit Union builds relationships by providing financial solutions and supporting its communities. Employee engagement is valued and there are many opportunities for growth for career minded individuals. Our organization has branches in Avonlea, Ceylon, Earl Grey, Ogema, Pangman, Radville, Tribune and Torquay.

The Community:

Located approximately 70km north of Regina, the village of Earl Grey is a small farming community with several local amenities and activities to keep you busy year-round. The community boasts a ballpark, curling rink, skating rink, community hall, library, and several local businesses. The community of Southey, just 10 minutes to the east, provides many of the required services such as a K to 12 school, shopping, Health Center, RCMP, groceries and gas station.

If you are interested in becoming a part of our team, please submit your resume, in confidence, on or before February 7, 2024 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.

Manager, System Credit

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

Reporting to the Vice President, Lending & Compliance, the incumbent plays a lead role managing all aspects of system credit, risk management, and loan adjudication while serving the growth and competitive needs of credit unions. As the Manager, System Credit, your role will encompass the following:

Directly manage, lead, guide, engage, develop, and encourage the adjudication team.
Form part of the system credit committee, responsible for managing system credit risk.
Provide input to strategies that support the Lending Services, Compliance, and Manual Departments business goals and objectives.
Provide consulting services to credit unions lending personnel and, where necessary, meet with Central’s legal counsel to discuss options.
Play a critical role in delivery of lending conferences and workshops.
Demonstrate loan portfolio management and risk mitigation for complex credit applications.
Provide input into Lending Services components of CUCM Enterprise Risk Management program.
Review and make recommendations to Model Loan Policy and credit union lending policies.
Develop industry resources to be available to credit union lending staff and keep apprised of all industry and market developments.
Communicate with all lending relationships inclusive of industry partners, credit union personnel, Deposit Guarantee Corporation of Manitoba, and other internal/external stakeholders.
Make recommendations to process improvements in Lending Services

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/agricultural marketplace. You are a strong communicator. 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. You are technologically savvy and up to date with technological developments as it relates to financial services.

Education & Experience

Your background includes a minimum of 5 years’ experience working in a similar capacity with a focus on Commercial Credit Adjudication. Experience with Agriculture 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. The salary will relate to qualifications and experience.

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 Union Central of Manitoba (CUCM) is the trade association for Manitoba’s credit unions and as such manages 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.

CUCM welcomes applications from people with disabilities. Accommodations are available upon request during the assessment and selection process.

The salary will relate to qualifications and experience. The annual base salary range for this position is $115,000-$137,000.

Closing Date: Wednesday, December 31, 2023

To apply please go to: https://cucm.applicantpro.com/jobs/3144605

Loans Officer

Bruno Savings and Credit Union Limited is seeking a lender to work out of our Bruno location. We are a $130M credit union servicing two locations and surrounding areas.
Our credit union credit portfolio is growing and this is a great opportunity for somebody that has 2-3 years of lending experience to become part of our growth story. The position will report directly to the General Manager.

The ideal candidate will be working directly with the lending team to service our existing membership base and to grow our lending portfolio.

At Bruno Credit Union; we pride ourselves on our dedication to meeting our member’s needs and our financial and volunteer support we provide in our communities.

The experience you bring:
– 2+ years of lending experience
– Understanding of financial statements and assessing risks
– Relationship Management skills
– Self-motivated individual that understands that the measurement of success is measured by the support we provide to our membership.

We offer a competitive compensation and benefits package.

Send submit resume via email to:
General Manager, Marcel Gauthier
Email: marcel.gauthier@brunocu.com

Credit Adjudicator

The Position:

The Credit Adjudicator is a motivated, career-minded Credit Adjudicator responsible for evaluating and approving credit applications which exceed lender’s or branch limits. Additional responsibilities will include assistance in developing and implementation of credit policies and procedures as well as assisting our training department with lender focused training. Assist with special projects, and new business development tools and programs as required. Provide advice and direction to lenders and credit analyst regarding the analysis, structuring and negotiation of credit applications and related documentation.

Under executive direction, reporting to the Senior Vice President of Credit, the Credit Adjudicator will evaluate and approve credit applications within designated limits. Credit applications which exceed the credit adjudicator limits will be submitted to the Senor Vice President of Credit and/or Credit Committee. The position is responsible for ensuring that the approved applications meet acceptable risk requirements and provide a reasonable, risk‐based return on investment, in accordance with prudent lending practice, corporate lending policy, as well as regulatory and legislative requirements.

This is a full time permanent position.

For complete job posting details, please visit our website www.visioncu.ca/en/about-vision/careers

The Person:

Seven to nine years of job-related experience is required for this complex position.
Excellent critical analysis and decision making skills are essential for success in this role. In addition, excellent oral and written communication, high attention to technical detail and proven ability to work effectively in a time sensitive and team environment is necessary for this position.
Cooperative or Credit Union industry experience is a benefit.

Compensation:

Comprehensive benefits package.

SUBMIT RESUME AND COVER LETTER TO:

Jennifer Hormann,

Vice President of Human Resources

Vision Credit Union Ltd.

Corporate Office

5007 – 51 Street

Camrose, Alberta T4V 1S6

Fax 780-679-0569

jobs@visioncu.ca

Only those individuals invited for an interview will be contacted.

Lending Service Representative

We are seeking two (2) experienced, full-time Lending Service Representative to be based out of our Radville and Avonlea Branches. 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:

The Communities:

Radville: Radville is a small valley town in southern Saskatchewan with a small river, Long Creek running through the north end of the town providing fishing and recreation to the local families. Located only 35 minutes from the city of Weyburn, Radville is a community of close to 1000 and has both an elementary and high school in the community. A Regional Park, a 9-hole sand green golf course just west of town and great recreation facilities allow for local swimming and skating lessons, curling leagues and many hockey and baseball teams. The community also boasts a modern healthcare clinic, hospital, and long-term care facility.

Avonlea: Located in southern Saskatchewan, the charming community of Avonlea is a quick 45-minute drive from Regina or Moose Jaw. A thriving village, Avonlea has a strong local business core, a variety of indoor and outdoor recreational facilities, a K-12 School, grocery store and more. Avonlea features many easy to access local and nearby attractions including the Long Creek Golf & Country Club, Dunnet Regional Park, Claybank Brick Plant National Historic Site, the dirt hills, badlands and much more.

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 October 11, 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.

Loans Officer

The ideal candidate will be working directly with the lending team to service our existing membership base and to grow our lending portfolio.

At Bruno Credit Union; we pride ourselves on our dedication to meeting our member’s needs and our financial and volunteer support we provide in our communities.

The experience you bring:
– 2+ years of lending experience
– Understanding of financial statements and assessing risks
– Relationship Management skills
– Self-motivated individual that understands that the measurement of success is measured by the support we provide to our membership.

We offer a competitive compensation and benefits package. Please visit brunocu.com to familiarize yourself with our Credit Union.

Please send resume to the attention of:
General Manager, Marcel Gauthier
Via email: marcel.gauthier@brunocu.com