Occupation Types: Mortgage

VP, Credit

 

VP, Credit

 

Title                VP, Credit

Department    Corporate

Reports to      Chief Executive Officer Office

Salary             $135,553-$159,474 annually

 

SUMMARY

Reporting to the Chief Executive Officer, the VP, Credit will provide strategic leadership on all retail and commercial credit-related matters, including adjudication, concentration risk management, portfolio composition and monitoring, and policy compliance. Overseeing credit adjudication and collections, the VP, Credit ensures loan decisions support portfolio quality, profitability, and sustainable growth. Additionally, the role evaluates and approves LVCU’s most complex credit applications, balancing risk management with business objectives.

As a key member of the Executive Leadership Team, the VP, Credit will contribute to organization-wide planning, ensure adherence to regulatory requirements, and foster a culture of high performance and member-centered service.

KEY RESPONSIBILITIES:

  • Provide strategic oversight of LVCU’s credit activities, advising the executive on corporate strategies and contributing to organizational planning and policy and program development.
  • Ensure credit and collections activities align with risk appetite, regulations, and policies, addressing deficiencies and implementing preventative measures.
  • Monitor the performance of lending and collections portfolio, analyzing emerging credit risks and stress testing scenarios, and prepares periodic reporting
  • Ensure sound and timely credit decisions conforming to LVCU policies and procedures by exercising sound credit judgement in approving and declining credit applications within established limits, presenting sound effective recommendations on credit requests above established limits, and ensuring credit applications are properly, accurately investigated, analyzed and documented.
  • Ensure adherence to underwriting policies, regulatory requirements, and risk tolerance thresholds while monitoring loan portfolio performance and deterioration of credit quality.
  • In conjunction with the Risk and Administration function; maintain credit procedures and recommend updates to the Investment and Lending Policy, ensure adequacy and completion of credit administration activities, ensure completion of credit file post review and develop and implement solutions to address identified deficiencies/gaps, maintain parameters for auto-adjudication models, and ensure adequate allowance for impaired loans.
  • Analyze market trends and member needs to grow the lending portfolio and support innovation in lending practices.
  • Lead or support the introduction of new lending products, programs, features or systems.
  • Provide subject matter expertise as a voting member of the Asset-Liability Committee (ALCO) and the Executive Credit Committee.
  • Oversee the credit adjudication and collections team, including structure, staffing, and resource allocation.

LEADERSHIP & STAFF DEVELOPMENT:

  • Manage, lead and provide direction to the Commercial Credit Supervisor, Commercial Account Officer, Commercial Services Officer, Commercial Accounts & Delinquency Clerk.
  • Champion a strong, values-aligned team culture grounded in service excellence and accountability.
  • Drive performance management, talent development, and succession planning.
  • Ensure staff across LVCU receive required training on personal and commercial credit.
  • Coach and support direct reports to achieve member service, sales, and performance goals.
  • Adhere to service standards as they pertain to the position
  • Enthusiastically participate in various internal committees, community involvement and image building of the Credit Union.
  • Other duties as assigned.

EDUCATION AND EXPERIENCE

  • Bachelor’s degree in finance, Business Administration, or a related field.
  • 8-9 years of progressive experience in retail and commercial banking with a minimum of 8 years of experience in complex lending, adjudication, and collections.
  • Minimum 5 years’ experience in a supervisory/management function in a financial institution.
  • Ability to manage, coach, motivate, and develop employees to ensure high productivity.
  • In-depth understanding of credit adjudication principles, policies, and practices; a proven record of responsible adjudication.
  • Advanced knowledge of retail and commercial lending products, services, and regulatory requirements, including detailed understanding of revenue streams.

 

 

 

 

 

 

 

Consumer Advisor – Filipino Community Focus

Consumer Advisor

Job Description: We’re looking for a Consumer Advisor – Filipino Community to join our team! This position is integral to the function of our organization, playing a critical role in our consumer lending team. The key responsibilities for this role include:

  • Respond to member and non-member inquiries by providing advice and guidance on the full range of financial products and services.
    • Preference will be given to those who speak Tagalog.
  • Provide an avenue of opportunity for Filipino newcomers to Canada and help our members establish and set roots in our beautiful communities.
  • Develop and maintain a deposit and loan portfolio and develop long-term relationships with members.
  • Provide individualized financial consulting services that help simplify the member’s life (including insurance services) and information to members on services and investment products offered through IFCU.
  • Recognize and act upon business development opportunities that would be beneficial to the organization and its members.
  • Utilize digital solutions to create efficiencies, simplify members’ banking needs, and enhance the member experience.
  • Ensure all deposit and loan activities are in compliance with relevant legislation, regulations, policies and procedures.
  • Must have the ability to travel and provide coverage within the region as required.
    • Innovation’s travel practice guidelines will be followed.

Qualifications:

  • Have completed some post-secondary education plus 3-5 years’ job-related experience (or an equivalent combination of education and experience).
    • Completion of the following CUIC courses would be considered as asset: Credit Union Products and Services, Credit Union System, Introduction to Financial Planning, Consumer and Residential Mortgage Lending.
  • Proven business development, sales, communication and services skills.
  • Commitment to grow IFCU business attained through demonstrated use of sales and service principles.
  • Demonstrated commitment to continuous education and personal development.
  • Detail-oriented and risk aware, contributing to the safeguarding of our company’s assets and reputation.
  • Proficient in digital literacy, including (but not limited to) critical thinking, problem solving and navigation using digital solutions.
  • Use and comfortability with a variety of Microsoft 365 applications (Excel, Teams, Viva, Power Automate, PowerBI).

About Us

Hi! We’re Innovation Federal Credit Union. Our purpose is to simplify banking for all Canadians. We like to keep it simple. We have three values – Accountability, Integrity, and Respect – and we are constantly striving to improve our organization to make it better for you (our member and prospective employee)!

How are we different from other financial institutions? We’ve put in the work to become a federal credit union – just one of three in Canada – to secure the future of our organization and continue to grow across Canada. Made in Sask, Built for Canada!

We care about our communities and our impact – $1.1 million was given to local organizations last year who are making a difference!  Nearly 22% of InnovationNation proudly identifies as part of a designated group, reflecting our strong commitment to fostering diversity and inclusion. We offer our full-time staff participation in our 7% employer-matched pension plan and extended health benefit plan from Day 1 (no waiting period!).

 

In the spirit of Truth and Reconciliation, we acknowledge that we are on the traditional territories of the many First Nations, Métis, and Inuit who have graced these lands for millennial. We are privileged to live on, work on and enjoy the benefits of these lands, now known as Canada.

Community Branch 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 as can be seen at http://www.houston.ca.

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 to the Chief Operating Officer and under executive direction, you will manage the overall operation of a single branch and direct the utilization of staff, equipment and facilities. Using highly developed leadership skills and behaviours, plus a sound understanding of the financial services business, you will initiate action to improve growth/development of the branch loan and deposit portfolios; increase usage of other credit union services and service channels; pursue new businesses; set short/long term branch goals /objectives and manage all branch staff directly or through subordinate supervisor(s). Through effective deployment and development of staffing resources you will foster an environment that encourages staff engagement and delivery upon an Enhanced Service Commitment to our members. You will perform the duties and requirements of Branch Compliance Officer for Anti-Money Laundering / Counter Terrorist Financing Prevention & Detection. You will be a results-oriented professional with a commitment to furthering the reputation of the credit union within the community. Through active participation in select community events, projects and initiatives, you will become established as a leader within the local community. 

The successful candidate will have a business degree or diploma and a minimum of five years of management experience in the financial industry or an equivalent combination of education and experience. This is an ideal opportunity for someone currently holding a supervisory or lending/account management position interested in gaining branch management experience.

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.

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

Senior Lending Officer

Position Overview: We are seeking a highly experienced Senior Lending Officer to join our dynamic team. The ideal candidate will have a strong background in lending, credit analysis, and relationship management. As a Senior Lending Officer, you will be responsible for managing a portfolio of clients, driving loan origination, and ensuring the timely and accurate processing of lending applications. You will also provide leadership and mentoring to junior lending staff and collaborate across departments to meet the organization’s growth goals.

Key Responsibilities:

  • Participate in loan origination, structuring, and approval processes for a variety of lending products.
  • Manage a portfolio of clients, ensuring high levels of customer satisfaction and retention.
  • Assess client financial conditions and recommend appropriate lending solutions.
  • Conduct thorough credit analysis, risk assessments, and due diligence on loan applications.
  • Ensure compliance with regulatory guidelines, company policies, and industry standards throughout the loan process.
  • Provide expert guidance and leadership to junior lending officers and support teams.
  • Develop and maintain relationships with clients, business partners, and industry stakeholders.
  • Collaborate with internal teams to facilitate smooth loan processing.
  • Assist in setting and achieving departmental goals, driving overall business growth.

Qualifications:

  • Bachelor’s degree in finance, Business, Economics, or a related field-not necessary but preferred.
  • Minimum of 7+ years of experience in lending, preferably with a focus on commercial, agriculture, personal, or mortgage lending.
  • Strong understanding of credit analysis, financial statement review, and loan structuring.
  • Proven experience in managing a portfolio and maintaining client relationships.
  • Excellent communication, negotiation, and interpersonal skills.
  • Ability to lead teams, mentor junior staff, and collaborate effectively with cross-functional departments.
  • In-depth knowledge of lending regulations, industry standards, and compliance requirements.
  • Strong problem-solving skills and attention to detail.

Preferred Skills:

  • Experience working with a diverse range of lending products and client segments.
  • Familiarity with loan software and customer relationship management tools.
  • Advanced proficiency in Microsoft Office Suite, especially Excel.
  • Ability to thrive in a fast-paced, results-driven environment.

Compensation:

  • Competitive salary based on experience.
  • Performance-based incentives.
  • Comprehensive benefits package including health, dental, vision, and retirement plans.

How to Apply: If you are an experienced lending professional ready to take on a senior role with significant responsibility and opportunities for growth, we encourage you to apply. Please submit your resume and a cover letter detailing your relevant experience to pam.ristau@sandhillscu.com.

Sandhills Credit Union is an equal opportunity employer and values diversity in the workplace. We encourage all qualified individuals to apply.

Application Deadline: March 14, 2025.

 

Financial Services Advisor

The Synergy Experience – what is it exactly?  Just ask our employees. Their dedication to our customers (members) and each other has created an incredible place to work. We’re local, we offer personalized and competitive products & services. We are proud to be a part of a local and community focus and are seeking a Financial Services Advisor to help us continue our rich tradition of serving our community – since 1943!

What do our Financial Services Advisors do?

As an FSA, you will work in a retail banking environment where you have a meaningful impact on the financial wellness of members. You connect with existing and prospective members, understand their financial and personal goals, provide informative and personalized advice, and recommend the right products and solutions to achieve their goals and enable their financial success.

Our ideal candidate is a relationship builder. You’re motivated, with strong problem-solving and organizational skills. You’ll be a part of a team of knowledgeable professionals who share a genuine commitment working with and delivering exceptional service to our membership. Your responsibilities will include working with account and deposit products, investments including the sales of mutual funds, and consumer lending products and services with some potential for small business/ag loans.

If building relationships, problem solving, and meeting challenges interests you…this dynamic career is what you’re looking for!

As a Financial Services Advisor, you will:

  • Manage a portfolio of members, partnering with current and potential members to understand their goals and priorities
  • Advise on and deliver a variety of products and services to successfully meet members’ needs
  • Engage in outreach, marketing, and follow-up opportunities to proactively seek out new business and deepen existing relationships, and
  • Promote Synergy Credit Union within our communities, including engaging in business development activities, volunteerism, phone calls, emails, and participating in campaigns.

What you need for this role:

  • Related post-secondary education (such as a Diploma or Degree in Business) and two to four years of job-related experience, or an equivalent combination of education and experience
  • Mutual Fund Accreditation or successful completion of accreditation is required within 3 months of hire
  • Strong experience in consumer lending is required
  • Relationship and business development skills
  • Previous sales experience working with goals, strong closing/referral techniques, and pipeline development is desired
  • Strong interpersonal and listening skills; can carry on great interactions in a variety of channels
  • Strong attention to detail

What do we offer?

  • Preferred rates on our products and services
  • Benefits and Pension
  • 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 November 17, 2024, referencing competition #245006 in the subject line.

More details:

  • Hours: 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: $60,000 – $75,000

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

Manager, Farm & Business

Do you have a passion for helping people succeed and achieve their goals?  If this is you, Cornerstone Credit Union is looking for a highly motivated and exceptional leader to join our Farm & Business team of professionals.

You will be responsible to manage and lead a team of Farm & Business Advisors in developing new business relationships and work with the team to capitalize on these opportunities while retaining existing business with members and clients.

As Manager, Farm & Business, you will coach, mentor, develop and motivate a team of professionals to meet and exceed member needs while supporting the credit union to achieve goals within all strategic priority areas.  Having the ability to support and effectively demonstrate proactive outreach to build a long-term relationship with existing members and potentially new members, you will be responsible to support the development of a strong deposit and off balance sheet portfolio and non-interest revenue streams, while effectively managing the loan portfolio as it relates to risk, pricing, diversification and quality.

You will manage and provide technical direction for the lending functions within the respective branches while holding the team accountable for annual sales and service targets and relevant MemberFirst Service Standards.

In this role, you will be responsible to review and coach the completion of Farm and Business credit within established limited or recommend to a higher approval authority, ensuring all business activities within your area of responsibility are in compliance with sound business practice, legislation, regulations, and policy and procedure.

As a leader in the Farm & Business banking team, you will participate in Internal and Executive Credit Committee and contribute to the annual budget process, managing expenses to budget while ensuring strategic objectives are met.

Post-secondary education in business or a related discipline, plus a minimum of 5 – 7 years job related experience or an equivalent combination of education and experience is required.  You must possess strong leadership, organization and time management skills.  Extensive credit knowledge including an understanding of risk tolerance methodologies and strategic practices is essential.  Proven ability in sales coaching, establishing performance standards and evaluating performance is required.   If you already know about the features and benefits of credit union products and services, that is an extra bonus!

You will receive competitive compensation, great benefits, and matched pension contributions.  We also offer performance incentives, and wellness and employment perks.  This position may be staffed at any of Cornerstone Credit Union’s 15 branch locations, depending on availability of office space.

The cherry on top is the great people who work at Cornerstone.  Our team is caring and supportive, and community is at the heart of everything we do.  We are proud to be one Saskatchewan’s top employers for the eighth straight year.

Choose a rewarding career at Cornerstone Credit Union.

Financial Services Officer (FSO) – Ottawa, Ontario

We are a thriving credit union, known for extraordinary Member service that has deep roots in the community. Ukrainian Credit Union Limited (UCU) serves its individual, organizational and business-based members with high integrity, sound stewardship and competitiveness.

We are currently looking for a Financial Services Officer with our Ottawa branch location. You will report directly to the Branch Manager. As the Financial Services Officer, you will be primarily responsible for generating business volumes and revenues. This includes increasing the credit and deposit portfolio.

As a key member of the Branch team, the Financial Services Officer will:

  • Proactively identify sales opportunities based on the need of the Member, cross selling a full range of lending and investment deposit products.
  • Actively solicit new sales opportunities through warm calls and proactive outbound calling to existing and potential Members, Community Organizations and businesses; contacting all staff referral opportunities identified.
  • Maintain a high profile within the branch and community and actively seek out opportunities to build and foster relationships with Members, non-Members and business contacts.
  • Champions the Credit Unions sales culture by demonstrating exemplary sales skills, especially during all branch campaigns and promotions, while striving to exceed the Member experience at every point of interaction.

Key Accountabilities and Duties:

  • Provides sound financial advice by identifying products and services our Members need Identify opportunities to develop business within the community and attract new Members to UCU through networking and participating in community and branch events as a representative of UCU.
  • Identifies opportunities to promote, up sell and cross sell Credit Union deposit and investment products including, chequing/savings accounts, term deposits, registered plans, insurance (credit & travel), safety deposit boxes; if licensed, mutual funds (subject to approval)
  • Identifies opportunities to promote, up sell and cross sell Credit Union lending products including consumer loans, mortgages, lines of credit and credit cards; assists with appropriate application process.
  • Open new Memberships and provide a full suite of banking solutions to meet Member needs.
  • Qualifies all loan and mortgage opportunities by conducting Member interviews, analyzing relevant financial information, verifying loan application information, and investigating other variables affecting loan viability, with a common sense view on if the lending request makes sense.
  • Approves/declines loans and mortgages within discretionary limits; makes recommendations for approvals/declines to next level of management if outside discretionary limits.
  • Processes all appropriate documents associated with the sale of savings and investment products.
  • Processes all appropriate documents associated with loans and mortgage approval including, insurance and cheque disbursements; liaises with all relevant agents such as home inspectors and lawyers.
  • Follows a procedure to identify investment, loan and mortgage renewals; initiates contact with Member to maintain accounts and relationships.
  • Contributes to the overall business objectives of the Credit Union by executing the branch marketing program to attain loan, deposit, sundry product, and Member growth within the objectives set out in the business plan; keeps up to date on target status. Ensures branch staff is kept up to date and well informed on products and services as well as all aspects of cross selling, relationship building, sales and service standards.
  • Must support the front line as needed at all times.
  • Represents the Credit Union in the community by participating in local business activities and community functions, as required by management and for business development purposes.
  • Maintains strict adherence to Credit Union and branch operating procedures, lending policies and security procedures with respect to assigned authorities and responsibilities; reports any unusual occurrences or fraudulent activity to next level management upon discovery.

Our Ideal Candidate:

  • Completion of a post-secondary education; concentration in Finance, Commerce, or Accounting is an asset, or has equivalent work experience
  • One year experience in financial services sales environment with a proven track record in sales
  • One year experience underwriting; able to demonstrate: knowledge of Member life cycle needs; knowledge of features and benefits of lending, investment, and deposit products; knowledge of interviewing solicitation and telemarketing skills
  • Mutual funds license (e.g. IFIC), or working towards obtaining a mutual funds license, would be an asset
  • Experience working with or knowledge of a range of credit and investment products.
  • Excellent analytical and problem solving skills
  • Strong attention to detail and time management skills
  • This role will require working on the front line for first six months.
  • Computer literate – Word, Excel; Comfortable embracing new technologies
  • Comfortable working with digital financial services and providing seamless service in this type of Service Anywhere environment
  • Advanced written and verbal communication skills
  • Bilingual – English; Ukrainian preferred; Polish an asset

UCU is committed to an inclusive, equitable and accessible workplace. Accommodations are available on request for candidates taking part in all aspects of the selection process. To request accommodation, please let us know.

Qualified applicants are encouraged to submit both a resume and cover letter by email  to Andrew Rozanec, Human Resources Manager, careers@ukrainiancu.com no later than 4:00pm October 25th, 2024.

We thank all applicants but only those considered for an interview will be contacted.

To learn more about UCU, please visit our website at https://www.ukrainiancu.com/

Mobile Mortgage Specialist

Closes October 17

Saskatoon, SK and surrounding area (ability to work remotely from home office)

Annual Salary: Approx. $90,000+
*Compensation structure is a commission-based salary with greater earning potential. Finalized compensation structure will be communicated during interview process.

 

The Mobile Mortgage Specialist will promote and maximize the development and growth of a residential mortgage portfolio for Innovation Federal Credit Union in and around Saskatoon! This position provides high quality advice on loan options, terms, and conditions, and helps members understand and evaluate their options.

WIIFY (what’s in it for you):

  • Competitive compensation
  • Diverse and Inclusive Culture that continues to evolve
  • Flexible work arrangement options
  • Strong benefit package
  • 7% Superannuation matched contribution 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 will you do?

  • Craft and implement comprehensive mortgage acquisition strategies aligned with our member needs.
  • Grow your network and create lasting connections with realtors, brokers, and others who will refer opportunities back to you.
  • Develop solutions and make recommendations based on an understanding of the members’ needs and business strategy.
  • Be an independent, self-managed professional who enjoys developing new business in a fast-paced, competitive market.
  • Leverage existing relationships to demonstrate a strong understanding of the market and be able to translate those relationships into results.
  • Foster community interaction and engagement through effective communication and relationship-building.
  • Have the flexibility to meet your member’s lifestyle when and where it is convenient for them.

Some things that would impress us:

  • Completion of some post-secondary education in Commerce, Business Administration, or a related discipline is preferred but not required.
  • Two years’ mortgage lending experience and/or three years’ consumer lending and underwriting (or an equivalent combination of education and experience).
  • Ability to analyze financial data, credit reports, and property values in order to evaluate eligibility, risk factors, and affordability.
  • Excellent customer service and attention to detail skills to guide members through the mortgage process, addressing inquiries, explaining options, and ensuring satisfaction. Building trust and rapport is essential.

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.

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