Senior Manager: Retail Credit

LOCATION: Trail, BC (Remote work options may be considered)

Are you seeking an opportunity to build a satisfying career with an organization that puts their community and employees first? Do you have experience leading retail lending operations, managing centralized adjudication processes, and overseeing collections? Are you skilled in balancing operational efficiency with regulatory compliance? If so, this may be the opportunity for you!

We’re seeking an experienced professional to join our team as our Senior Manager Retail Credit. As Senior Manager Retail Credit, you’ll be responsible for overseeing the operational control of our retail lending portfolio, Centralized Adjudication, and Centralized Collections. This position is key in supporting operational efficiency and ensuring compliance with regulatory and organizational practices, policies, procedures, and risk frameworks.

Some of your key responsibilities will include:

• Providing ongoing leadership and direction to the retail lending managers, retail lenders and underwriters department to ensure adherence to the credit unions stated risk appetite.
• Planning, developing and implementing policies, programs and strategies in support of retail lending functions and collections.
• Providing operational oversight of the retail portfolio and the implementation and compliance with ERM policies and practices.
• Adjudicating retail credit applications within lending authority and managing the administration of the retail loan portfolio within the framework of credit management policies.

What you’ll bring:

• Bachelor’s Degree in a related field or a designation requiring 3 to 4 years full-time study
• Minimum of 8 years progressive leadership experience in the financial services industry with a focus on retail credit, adjudication, and credit risk management
• Advanced knowledge of retail credit underwriting policies and procedures
• Advanced knowledge and experience in managing retail credit including underwriting, portfolio quality oversight and compliance with regulatory requirements
• Strong knowledge in credit risk management policies and procedures and regulatory requirements relative to credit union credit risk management
• Strong knowledge of credit management information reporting infrastructure to further enable overall credit portfolio management
• Strong experience in policy and procedure administration, internal controls and auditing systems
• Strong understanding of consumer and commercial deposit and lending practices, collection techniques and legislative regulations and statutes as they pertain to consumer and business deposit and lending activities
• Working knowledge of information technology best practices and the ability to keep abreast of new technologies
• Knowledge of current legislative requirements, best practices, local community and financial industry trends and forecasts as they related to the functional areas of the position
• Knowledge of human resource policies, practices and union contract interpretation and application
• The ability to execute business strategies within an uncertain, complex, and ambiguous business landscape and ensure accountability for results
• The ability to work within and across groups and/or organizations to solve complex issues and create the best solutions that benefit members and our communities
• The ability to recognize and moderate one’s effect on others and the organization, building trust by choosing to act with integrity and authenticity
• The ability to inspire a sense of direction and shared purpose for employees

Why work for us?

We know our dedicated employees are the key to our success; in return, we offer a total rewards package that includes:

• Competitive salary of $103K - $129K based on skills and experience
• Competitive benefits including extended health, dental and vision coverage
• Health care & Personal spending account
• Paid vacation, sick time and floating holidays
• Continual training, development and coaching
• Staff benefits on products such as bank accounts, loans & mortgages
• The opportunity to build a satisfying career in an organization that incorporates many leading-strategic initiatives
• Being part of an organization that puts their community and employees first

If you are a team player ready to take on an exciting challenge in a progressive, employee-focused environment, we’d like to hear from you!

KOOTENAY SAVINGS CREDIT UNION

We are the region’s leading credit union with over $1.6 billion in assets, over 30,000 members and over 200 employees. Our Corporate Office is in Trail, BC along with our Member Service Centre and we have eleven branches throughout the East & West Kootenays offering retail and commercial banking services. We're community-minded, we donate back to the community, support local non-profits, and provide sponsorships and bursaries for students to help them grow. It’s part of who we are as Kootenay Savings Credit Union and, together as a team, we can make a real difference. For more information about Kootenay Savings, please visit kscu.com. For more information about the Kootenay regions, please visit imaginekootenay.com.

Please apply online through the careers section of our website at kscu.com to upload your resume and complete the application questions.

Closing date: November 12, 2024

We thank all applicants for their interest; however, only short-listed applicants will be contacted.