Senior Credit Risk Reporting Analyst

af·fin·i·ty (noun):

  1. a natural compatibility
  2. the name on our doors

We want our employees to feel great coming to work. After all, an exceptional employee experience leads to an extraordinary experience for our members. If you have an affinity for working in a place where your achievements are celebrated, then a career with us might be the perfect fit.

We’re looking for a Senior Credit Risk Reporting Analyst to join our Credit Risk team. The ideal candidate will play a key role in enhancing strategies and managing Affinity’s overall credit risk within our loan portfolio.

What you’ll do:

  • Develop accurate and timely reporting for credit risk and evaluate alternative data methods and new solutions to optimize credit strategy.
  • Provide research, risk analysis, and recommendations for procedure enhancements.
  • Enhance tools and methodologies to measure, monitor, and report risk.
  • Identify and implement specific measures to detect, investigate, mitigate and report on a variety of risk scenarios which may lead to credit risk losses.
  • Validate and maintain risk rating and underwriting models.

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 5 years of related experience or an equivalent combination of education and experience
  • Advanced knowledge in credit risk in consumer, agricultural, commercial and credit card
  • In-depth knowledge of risk oversight, research and environmental trend scanning, and risk models
  • Advanced EXCEL and Power BI Proficiency
  • Experience leading research to create and implement innovative processes
  • Working knowledge of risk models including Probability of Default and Loss Given Default

Loans Officer

Loans Officer, Bengough Credit Union

Location: Bengough Credit Union
Posting Date: August 20, 2024
Closing Date: Until Filled
Website: www.bengoughcu.ca
Employment Type: Full-time

Do you have previous lending experience? Bengough Credit Union is looking for a motivated individual to join their lending team.

The Position
Reporting to General Manager and Loans Manager the Loans Officer will:
• Provide Lending services to current and potential members including recognizing their needs in order to promote and cross – sell Bengough Credit Union products
• Ensure all lending activities are in compliance with relevant policy, legislation and regulations
• Promote Bengough Credit Union and maintain active involvement in the community
• Grant consumer plus agricultural & small business loans or mortgages within approved lending limits; receive and analyze financial and personal net worth statements, calculate debt service capacity and evaluate collateral security; negotiate terms and conditions of loan; present recommendation to senior staff on applications beyond assigned approval authority
• Provide individualized financial advice (such as debt consolidation) and information to members on loan services and deposit products offered through the credit union
• Maintain up-to-date knowledge of credit union lending and deposit services and products and relevant policies and legislation by regularly reviewing literature and attending update meetings
• Conduct credit investigations, security inspections and searches as required; conduct PPSA registrations and investigations; prepare releases of security on paid out loans; interpret loan reports and identify further action required to address problem areas such as pending delinquency
• Review delinquent accounts, analyze current status and initiate action to collect on delinquent loans
• Initiate action to improve growth and development of portfolio by analyzing members needs, trends and competitor offerings; recommends revisions to the marketing plan, cross-sell all credit union products and services and pursue new business opportunities by establishing and maintaining liaison with agricultural and small business community contacts
• Maintain documentation in loan files which includes credit checks, employment income, personal income tax, etc. in accordance with procedures
• Maintain tracking systems for expiry and renewal dates of personal property registry, insurance, mortgages and related licenses.
• Relieve for other staff as required
• Train and support team members as required
• Actively participate in credit union work unit and meetings
• Participate and Represent the credit union within the community or surrounding area

Qualifications
– Minimum grade 12 diploma supplemented by direct lending training and experience
– Lending experience is an asset but not a requirement
– Knowledge in Commercial, Consumer & with focus on Agriculture lending is an asset but not a requirement
– Background in Finance
– Experience working with banking applications
Compensation
Salary will be negotiated based on Education and Experience. Bengough Credit Union offers a 50/50 cost share benefits package, including 6% pension matching and variable pay structure.

About Our Credit Union
Bengough Credit Union has been an integral part of our community for over 80 years. Every year we provide support to various local projects and organizations in the form of volunteer time and donations.
We have our Main Branch located in Bengough, Saskatchewan and Service locations in Viceroy and Willow Bunch. We pride ourselves on being a rural based independent Credit Union. Providing the best possible service anywhere, anytime, anyway. We are the heart of the Ranching and Farming community.

Please submit your resume and cover letter in confidence to:

Katrina McCuaig
Box 70
Bengough, SK
S0C 0K0
kmccuaig@bengoughcu.ca

Loans Manager

Loans Manager, Bengough Credit Union

Location:                     Bengough Credit Union

Posting Date:              August 20, 2024

Closing Date:               Until Filled

Website:                      www.bengoughcu.ca

Employment Type:      Full-time

Do you have previous lending experience? Bengough Credit Union is looking for a motivated individual to join their lending team as Loans Manager.

As the Loans Manager, you will be responsible for overseeing all aspects of our lending services department. You will lead a team of professionals to ensure the delivery of high-quality lending services to our members while achieving the credit union’s financial goals. Your strategic vision and leadership will be critical in continuing to grow our lending portfolio and expanding our market presence.

Key Responsibility Areas

  • Reviews, recommends and implements plans, procedures and practices to improve departmental operations and service provision. Administers operating plan and budgets for assigned area; maintains signing authority for branch lending services
  • Initiates action to improve growth and development of the branch lending portfolio by analyzing member needs, trends, and competitor’s offerings; recommends revisions to the marketing plan and pursues new business opportunities by establishing and maintaining liaison with members.
  • Supervises and monitors the activities of branch lending services staff; ensures staff resources are appropriately scheduled and organized to accommodate peak periods, seasonal fluctuations, and in accordance with budget and management directives.
  • Develops and implements performance and service standards for lending services staff; monitors staff performance and identifies and addresses performance gaps at individual employee and work group level; hires new staff, conducts performance appraisals and, as necessary, initiates disciplinary procedures.
  • Grants consumer, commercial, and agricultural mortgages and loans within approved lending limits; receives and analyzes financial and net worth statements and evaluates collateral security; calculates debt servicing capacity, negotiates terms and conditions of loan; approves credit applications referred by other staff and presents recommendations to more senior staff on applications beyond assigned approval authority.
  • Provides technical direction in all branch lending service activities and acts as the resident expert for all lending products; provides leadership and guidance to staff on business development and administration of lending products; resolves unique and complex enquiries and problems requiring analysis of the issue, developing potential solutions, and evaluating impact of selected solution.
  • Interprets loan reports and identifies further action required to address problem areas such as pending delinquency; monitors delinquent accounts and works with member to develop remedial plans to mitigate risk of loss; participates in all collection activities including legal actions

Qualifications

  • Post-Secondary education in related field plus 5 – 7 years of job-related experience, or an equivalent combination of education and experience.
  • Knowledge and experience in all areas of a lending portfolio.
  • Proven track record of success in developing and executing lending strategies.
  • Demonstrated ability to coach, lead and mentor staff.
  • Extensive experience in sales and building and maintaining strong relationships.
  • Knowledge and understanding of credit union operations is preferred.
  • Excellent verbal & communication skills
  • Strong organization, time management, problem solving, analytical & decision-making skills
  • Strong initiative & ability to work independently & adapt to changing priorities & business needs
  • Proven success working in a collaborative & team environment

 

Compensation

Salary will be negotiated based on Education and Experience. Bengough Credit Union offers a 50/50 cost share benefits package, including 6% pension matching and variable pay structure.

About Our Credit Union

Bengough Credit Union has been an integral part of our community for 80 years. Every year we provide support to various local projects and organizations in the form of volunteer time and donations.

We have our Main Branch located in Bengough, Saskatchewan and Service locations in Viceroy and Willow Bunch. We pride ourselves on being a rural based independent Credit Union. Providing the best possible service anywhere, anytime, anyway. We are the heart of the Ranching and Farming community.

BCU values personal & professional development. If you do not meet all the criteria but believe that your qualifications & experience would be valuable in this position, we strongly encourage you to apply.

Please submit your resume and cover letter in confidence to:

Katrina McCuaig

Box 70

Bengough, SK

S0C 0K0

kmccuaig@bengoughcu.ca

Director, Risk Based Supervision

Who are we?

Credit Union Deposit Guarantee Corporation (the Corporation) is the deposit guarantor for Saskatchewan credit unions and the primary regulator for Saskatchewan credit unions and SaskCentral, together, Provincially Regulated Financial Institutions (PRFIs). We work closely with these institutions to ensure they employ sound business practices to enhance the strength and stability of the Saskatchewan credit union system.

We are seeking a confident, forward-thinking leader to join our Risk-Based Supervision team. This team is vital in fulfilling the Corporation’s vision of instilling confidence in the Saskatchewan provincially regulated credit union system.

What you’ll do:

Reporting to the Associate Vice-President, Risk-Based Supervision, you will be responsible for providing leadership to a team of professionals and managing the application of the supervisory framework which proactively identifies, assesses, and mitigates risk to depositor funds and the guarantee fund. Key accountabilities of the position include:

  • Direct, oversee, and participate in the execution of on-going monitoring, review, and intervention processes for PRFIs, including analysis of financial performance and assessing the effectiveness of risk management activities
  • Assess regulatory approval requests to ensure compliance with legislative and regulatory requirements
  • Manage strategic relationships with PRFI boards of directors and senior management
  • Lead and support the maintenance of components of the risk-based supervisory framework
  • Collaborate with other departments to support effective regulation of PRFIs

Due to the commitment to remain a leader in our industry, this is a fast-paced, evolving environment. The role requires a flexible work schedule and occasional travel, as the department collaborates with PRFIs throughout Saskatchewan.

What you’ll need:

  • Undergraduate degree in business administration, commerce, or economics; ideally supplemented with a graduate degree or professional designation (or an equivalent combination of education and experience)
  • Five to ten years of experience in the financial services industry, regulatory environment, or a finance-related field
  • Knowledge and experience in areas such as: policy, governance, credit, financial analysis, risk management, and/or internal/external audit
  • The ability to interpret and apply policy, legislation, and regulation are key requirements for this position
  • Demonstrated ability in presenting information and facilitating discussions with key stakeholders, along with previous leadership experience, would be considered an asset

Core competencies for this role are communication, innovation, teamwork, problem solving and decision making, accountability, service excellence, and building relationships.

What we offer:

The salary range for this position is $110,700 to $138,375.

We are committed to the success of our employees, that’s why we offer:

  • Comprehensive benefits
  • Health and dental coverage upon commencement
  • Matched pension contributions
  • Employee wellness program
  • Maternity/parental benefits; top-up program
  • Education, training, and development opportunities

Our hybrid work model offers flexibility of partial remote work upon agreement. For more information on the Corporation, please visit our website www.cudgc.sk.ca.

Ready to Apply:

Please submit your cover letter and resume stating requisition RBS-DIR by August 28th, 2024 to HR@cudgc.sk.ca. We thank all applicants for their interest; however, only those selected for an interview will be contacted.

The Corporation values and supports workplace diversity. We believe diverse ideas, opinions and perspectives makes our Corporation stronger.

Business Member Relationship Manager

Bulkley Valley Credit Union, serving over 14,500 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 has to offer.

If you want to join a dynamic group dedicated to cooperative values and member service, this is the right career move for you. You will report to the Chief Operations Officer and as a trusted advisor, you play an essential role and are dedicated to assisting and advising business members with their financial needs. You understand the importance of placing the right products and services in the hands of our business members or referring them to fellow experts. You build trust and loyalty with each member interaction, you utilize your expertise knowledge in the delivery of a full suite of business financial solutions, including commercial lending and investments, to enhance the members overall financial well-being. You provide service to members where the member want to meet; network extensively within BVCU’s communities; and establish and maintain lasting business relationships with brokers, realtors, developers, builders and members. You strive for excellence and play a vital role in growing and deepening business member relationships, and making sound decisions and recommendations to support the growth, impact and profitability of our credit union.

The successful candidate will have a minimum of one years’ post-secondary education plus 6-9 years’ experience in investment and lending, including small business lending in the financial services industry, preferably with a credit union is desired. An individual with advanced investment and lending experience plus education and/or training equivalent to 6-9 years will also be considered.

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://can63.dayforcehcm.com/CandidatePortal/en-US/bulkleyvalley or directly to:

Mohamed Ladak, Chief Operations Officer

mladak@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.

Vice President of Finance

The Position:

The Vice President of Finance is directly responsible for the financial health of the organization and the success of its operations. This individual will provide financial leadership by managing budgets, overseeing all accounting functions, and conducting forecast analysis. The Vice President of Finance will also play a key role in long-term strategic decision making processes that affect the organization’s profitability.

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:

  • University degree in Accounting, Business, or Finance; an MBA or CPA designation is preferred.
  • Minimum of 5 years’ experience within in the Credit Union system.
  • Extensive, experience and knowledge in dealing with accounting systems, budgets, internal controls, business planning, and asset management.
  • 2-5 years of progressive experience in a role responsible for ensuring risk and regulatory compliance.
  • Experience creating and managing budgets for a large, distributed organization.
  • Sound analytical thinking, planning, prioritization, and execution skills.
  • A well-defined sense of diplomacy, including solid negotiation, conflict resolution, and people management skills.
  • Experience creating and managing budgets for a large, distributed organization.

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.

Financial Advisor

We’re seeking people who are deeply motivated to learn about our customers (members), help them articulate and achieve their goals, and celebrate alongside them when goals are reached. We want only the most generous of heart, with a deep technical savvy to help our members establish a solid financial foundation, build a strong financial future, grow it and protect it.

As a Financial Advisor, you help members build a financial plan. You are their financial coach! For our members, this means increasing their financial fitness to achieve financial well-being. You’ll help them with goals, establishing priorities and checking in to support progress along the way. You will be proactive with our members as life changes and marking significant milestones.

As a Financial Advisor, you will:

  • Conduct personal interviews with members, identify individual member needs and goals, develop an appropriate financial plan, and make appropriate recommendations.
  • Provide our members with a holistic wealth approach that focuses on members unique, personal situations. Holistic planning includes financial, retirement, investment, estate, insurance, and tax planning.
  • Create and maintain client files adhering to compliance requirements, and reports on activities.
  • Conduct client seminars on wealth management and attend business development opportunities as required.
  • Provide support on wealth management products.
  • Develop own personal business plan.
  • Identify opportunities that successfully meet the members needs and planting seeds for future product/services and follow-ups.

What you need for this role:

  • High School Diploma
  • Mutual Fund License
  • Financial Planning Designation (i.e. CFP, PFP)
  • Minimum 2 years of industry experience as a financial planner.
  • General investment and insurance industry knowledge and awareness of the Canadian credit union system are highly desirable.
  • Must keep informed to the latest trends in financial markets, industry competitors, current issues and strategies.
  • Using sound judgement to make timely and effective decisions, considering both short- and long-term outcomes, risks, and impacts.
  • Demonstrated skills include, the ability to develop relationships along with strong sales and presentation skills, strong oral and written communication skills, and strong organizational skills. Must be able to work independently in a fast-paced, team-oriented and collaborative environment.
  • Engage in business development activities, and volunteerism.

What do we offer?

  • Preferred rates on our products and services
  • Benefits and Pension, from day one
  • Competitive salary
  • Investment in your professional development
  • Community involvement

If the above describes you, we want to hear from you. Submit your cover letter and resume to careers@synergycu.ca, by end of day on August 5th, referencing competition #244202 in the Subject Line.

More details:

  • Permanent full-time.
  • Hours: 37.5 hours weekly. Currently Monday to Friday, 8:30 a.m. to 5:00 p.m., and flexibility to work outside various hours is required for travel, events, and member meetings.
  • Salary: $65,600 – $85,800

A little more about us:

Synergy Credit Union is a people-inspired Credit Union with ambitious goals. We endeavour to deliver amazing financial experiences, earn our customers (members) trust, grow our relationships, and build sustainable communities.

We exist to help our members achieve their financial goals by understanding their needs and delivering exceptional service in modern, convenient, and secure ways. We empower our members by sharing our experience and tools, so they can make robust plans through each stage of life.

We also live in the communities we serve. This matters to us. We invest locally by offering sponsorships, donations, and scholarships, and through volunteerism. We connect with groups looking to improve overall financial literacy by providing presentations and tailoring them for educational opportunities – for families, schools, youth groups – you name it. We are proud to serve more than 27,000 members and have reached over $2.5 billion in assets.

We were named one of Saskatchewan’s Top Employers for the 7th consecutive year. This reflects our workplace culture and commitment to building relationships beyond banking with our members, and our team.

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. Inclusive of Saskatoon, Lloydminster, Kindersley, Macklin, Denzil, Lashburn, Marshall, Maidstone, Neilburg, Marsden, St. Walburg and Paradise Hill.

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.

Find out more about us!  https://www.youtube.com/user/SynergyCreditUnion

www.synergycu.ca

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