Occupation Types: Credit & Collections

Director, Finance

af·fin·i·ty (noun):

  1. the name on our doors
  2. a quality that makes things suited to each other

We want our employees to feel great coming to work. That’s why we give our talent the tools to excel. After all, an exceptional employee experience leads to extraordinary experiences for our members. If you have an affinity for working in a vibrant environment where your achievements are celebrated, then a career with us sounds like the perfect fit.

We’re looking for a Director, Finance to join our progressive Accounting & Finance team. The ideal candidate will direct and guide the organization’s treasury management functions in the areas of liquidity, market risk, and capital.

 What you’ll do

  • Lead the credit union’s treasury functions related to the management of liquidity, capital, and interest rate risk
  • Lead the team to act as the first line of defense related to Treasury Risk Management, including directing the development and maintenance of various financial models and stress testing methodologies related to Treasury Risk Management
  • Provide leadership and responsibility for establishing interest rates (pricing) for all deposit and lending products in support of overall profitability and growth targets
  • Chair the Asset Liability Committee to lead the development of forward-looking balance sheet management strategies and implement action plans to align with the Board’s approved risk appetite and policies
  • Oversee the statutory liquidity and excess liquidity investment portfolios to maximize investment returns within the risk parameters established by policy and regulatory requirements
  • Establish appropriate pricing for the credit union’s loan and deposit products to support asset-liability management strategies and financial performance targets

 What you’ll get

  • The support to grow in your career with ample opportunities to advance
  • A competitive salary plus bonuses for your hard work
  • A total rewards package including health and dental benefits, pension and health spending account
  • Vacation time, personal days off and a paid volunteer day so you can maintain a healthy life/work balance
  • A referral bonus when you scout great talent and they’re hired to join our team

 What you’ve got

  • A post-secondary diploma or degree in a related field, plus 10 years of related experience or an equivalent combination of education and experience
  • Advanced expertise in financial risk management practices related to the financial services industry

How to throw your hat in the ring:

Review all of our current job opportunities at www.affinitycu.ca/careers/opportunities and submit your application there using our new Application Portal!

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.

 

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:

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.

Senior Financial Advisor

At Conexus, we are focused on supporting our members with their needs of today, while also helping them work towards their goals for the future.  It’s about more than conducting a banking transaction, it’s about providing our members with insightful content, tools, expert advice, and a full suite of products to empower them and inspire confidence in their financial decision-making. We prioritize growth and efficiency while never compromising on the financial well-being of our members. We do this by lending an ear to each member’s unique needs throughout Saskatchewan, ensuring personalized solutions.

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 two agile and adaptive people with a strategic mindsets to come on board as a Senior Level Financial Advisor at our Sherwood Place branch in Regina. You will work diligently to build solid and trusting relationships with our members. Through conversations and ongoing support, you will provide members with personalized insights and options, empowering them to make informed choices about their money.

How you’ll be spending your time

  • Working closely with our members on a day-to-day basis to assist them in setting goals and making informed decisions that improve their financial well-being.
  • Building solid relationships and become a trusted financial partner, who proactively uncovers and identifies member needs through meaningful conversations.
  • Providing solutions and alternatives, including accounts and complex-level consumer investments and lending products and services (consumer loans, mortgages, terms, registered products, mutual funds) to meet new and existing needs of our members.
  • Growing and adapting your skills and knowledge in order to consistently perform with confidence.

The way people describe you

You are a people person and a skilled coach who develops relationships based on understanding and trust. You have deep knowledge in the psychology of money and understand the behaviours that often underlie members’ choices regarding their finances. You proactively step into conversations with courage and empathy. You are bold and demonstrate creative strength, continually exploring new paths to seek opportunities for improvements and efficiencies. You are a team player who welcomes diversity and can work effectively with others. You successfully handle multiple projects at the same time while staying committed to building your knowledge and skills.

The experience you bring

  • 24 Months of Financial Industry Experience in an Advisory Capacity
  • Experience working in a customer care/customer service role
  • Experience in portfolio management
  • License and experience in selling Mutual Funds are required
  • Experience in Underwriting Loans is required
  • First Canadian Title Training
  • Registered Retirement Consultant designations; or working towards this designation

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 July 30, 2023 so apply now! If you have questions about this position, please contact Shayla Riche at  jobs@conexus.ca

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.

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