Business Credit Adjudication Specialist

HR Ghost Board; Saskatchewan; On-site; CAD 89,000 - 119,000; Full time

Job summary

Conexus is seeking a seasoned Business Credit Adjudication Specialist in Saskatchewan to independently adjudicate complex commercial and agricultural credit requests. You will assess risk, review financials, collateral, and structures while supporting policy and risk appetite compliance.

You will deliver clear recommendations, engage with approval authorities, and mentor business-line partners, ensuring high-quality, disciplined underwriting aligned with regulatory expectations.

Qualifications

• 5+ years of experience in commercial and/or agricultural lending, credit adjudication, or credit risk management.
• Strong experience in commercial and agricultural financial analysis, cash flow analysis, collateral assessment, and credit adjudication.
• Deep understanding of lending structures, including operating facilities, term lending, equipment financing, real estate lending, development financing, and specialized agricultural lending arrangements.
• Experience interpreting financial statements used for credit decision‑making.
• Experience assessing borrower repayment capacity, liquidity, leverage, collateral security, guarantor strength, covenant structures, and risk mitigation strategies.
• Understanding of agricultural production cycles, commodity markets, and industry factors impacting borrower performance.
• Professional lending or risk management designations would be considered an asset.

Responsibilities

• Independently adjudicating complex and higher-risk commercial and agricultural credit applications, renewals, amendments, and annual reviews.
• Providing objective second line challenge and balanced risk assessment on lending requests.
• Reviewing financial information, including historical and projected financial statements, cash flow, liquidity, leverage, and debt service ability.
• Assessing collateral security, guarantor strength, covenant structures, environmental risks, and other risk mitigation measures.
• Identifying policy exceptions, structural weaknesses, deteriorating credit conditions, and emerging risks, and escalating concerns when appropriate.
• Preparing clear credit risk recommendations, decisions, assessments, and rationale for business partners and approval authorities.
• Supporting strong file quality, documentation standards, adjudication consistency, and disciplined application of credit policy.
• Providing guidance and constructive feedback to business line partners while maintaining the independence of the second line function.

Skills

Credit adjudication

Financial analysis

Cash flow analysis

Collateral assessment

Credit risk management

Education

Professional lending designation

Credit risk certification

Job description

At Conexus, we are focused on supporting our members with their needs of today, while also helping them pursue their goals for the future. It’s more than conducting a banking transaction, it’s about providing insightful content, tools, expert advice, and a full suite of products to inspire confidence in their financial decision‑making. We prioritize performance excellence, and our employees champion each member’s success, ultimately contributing to a thriving province.

We are curious, courageous, confident and committed. Our values ensure we consistently deliver outstanding member experiences. As employees, we are more than just individuals who come to work each day, each role is a vital part of Conexus.

As of January 1, 2026, Conexus, Cornerstone, and Synergy credit unions have merged into one provincial credit union serving over 200,000 members in 57 branches across 50 Saskatchewan communities.

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 an experienced credit professional to join our team as a Business Credit Adjudication Specialist. In this role, you’ll provide independent credit adjudication, risk assessment, and constructive challenge for complex commercial and agricultural lending requests. You’ll help support quality portfolio growth while maintaining strong credit discipline, sound underwriting practices, and alignment with approved credit policy, delegated authorities, enterprise risk appetite, and regulatory expectations.

How you’ll be spending your time

• Independently adjudicating complex and higher-risk commercial and agricultural credit applications, renewals, amendments, and annual reviews.
• Providing objective second line challenge and balanced risk assessment on lending requests.
• Reviewing financial information, including historical and projected financial statements, cash flow, liquidity, leverage, and debt service ability.
• Assessing collateral security, guarantor strength, covenant structures, environmental risks, and other risk mitigation measures.
• Identifying policy exceptions, structural weaknesses, deteriorating credit conditions, and emerging risks, and escalating concerns when appropriate.
• Preparing clear credit risk recommendations, decisions, assessments, and rationale for business partners and approval authorities.
• Supporting strong file quality, documentation standards, adjudication consistency, and disciplined application of credit policy.
• Providing guidance and constructive feedback to business line partners while maintaining the independence of the second line function.

The way people describe you

• A strong analytical thinker who can assess complex credit relationships and make balanced, risk-based recommendations.
• A clear communicator who can explain complex credit matters, risks, and recommendations in a practical and professional way.
• A collaborative partner who builds strong relationships while providing constructive challenge.
• A detail‑oriented professional who values sound judgement, consistency, quality documentation, and strong credit discipline.
• A continuous learner who demonstrates a growth mindset, inclusive teamwork, and a commitment to member‑centric outcomes.

The experience you bring

• 5+ years of experience in commercial and/or agricultural lending, credit adjudication, or credit risk management.
• Strong experience in commercial and agricultural financial analysis, cash flow analysis, collateral assessment, and credit adjudication.
• Strong understanding of lending structures, including operating facilities, term lending, equipment financing, real estate lending, development financing, and specialized agricultural lending arrangements
• Deep expertise in personal, sole proprietor, partnership, corporate, and multi‑entity borrowing structures and interpretation of financial statements used for credit decision‑making.
• Experience assessing borrower repayment capacity, liquidity, leverage, collateral security, guarantor strength, covenant structures, and risk mitigation strategies.
• Strong understanding of agricultural production cycles, commodity markets, operational risks, and industry factors impacting borrower performance.
• Professional lending or risk management designations and/or certifications would be considered an asset.

Salary Range:

$89,250 - $119,000 with 13% Short Term Incentive Target

Depending on location of work, union membership may be required.

We are excited to welcome candidates who bring a blend of academic, professional and volunteer experience that sets them apart. Research shows that many applicants tend to apply only when they meet every qualification of the role. However, we encourage you to explore opportunities that closely match your skillset and experience. We truly value diverse backgrounds and varied experiences, as we are dedicated to creating inclusive and diverse workplaces. You might just be the ideal addition to our team that we’ve been searching for! This opportunity closes on October 12, 2026,