Credit Condition Fulfillment Representative - Full Time - 8 Month Contract

Meridian Credit Union Limited; St. Catharines; Hybrid; CAD 50,000 - 55,000; Full time

Job summary

Meridian OneCap Credit Corp. is seeking a Credit Condition Fulfillment Representative for a full-time, 8-month contract located in St. Catharines, Ontario.

The role focuses on administering credit files and conditions fulfillment in Retail Credit and Mortgage Broker Services, with a hybrid work model and a salary range of CAD 50,000 to 55,000 annually. Responsibilities include collecting and verifying documentation, maintaining credit files, and assisting with mortgage processing while ensuring

Qualifications

• Post-secondary education or equivalent work experience in a financial services sales environment with a minimum of 2 years’ experience with lending policies and documentation requirements.
• Strong computer application processing skills including web-based applications, Loan Origination Systems, Ovation/Encore banking systems.

Responsibilities

• Administrative support for Retail Credit and Mortgage Broker Services channels including collecting, verifying, and forwarding supporting documentation for approved credit files.
• Maintain credit files with follow up for pending mortgage transactions and required documents to satisfy mortgage commitments.
• Compile and transfer credit files to Retail Credit channels or Mortgage Processing as required.
• Review residential appraisals and refer when deficiencies are noted or further review is required.
• Review FraudIQ (Citadel) reports daily in support of Risk Management.
• Remain informed of changes to lending practices and industry trends; apply due diligence to credit files and supporting documentation.

Job description

If you are a job seeker with a disability and require a reasonable accommodation to apply for one of our jobs, you will find the contact information to request the appropriate accommodation by visiting the following our Accessibility Accomodation for Applicants page.

Credit Condition Fulfillment Representative - Full Time - 8 Month Contract

Locations

Showing 1 location

St.Catharines Corp Office
St Catharines, ON L2S 3W3, CAN

• Hybrid
• Operations
• Full-Time
• Requisition #: CREDI007848

Description

Why Meridian?

At Meridian our aspiration is to integrate our purpose into everything we do for people, the planet, and communities. We believe that our greatest opportunity is to create opportunity and meet people where they are.

Factor us into your next career opportunity. We want you to grow with us and have an experience that’s different. This is a place where you can expect the unexpected.

At Meridian our aspiration is to integrate our purpose into everything we do for people, the planet, and communities. We believe that our greatest opportunity is to create opportunity and meet people where they are.

Personal Lending is part of Meridian’s Risk Management function at both the Toronto & St. Catharines Corporate Offices. The Department is accountable for providing prompt adjudication and credit coaching to partners within the organization, as well as handling all adjudication for Mobile Mortgage Specialists (MMS), Branch and Mortgage Broker Services initiated credit requests.

As a Condition Fulfillment Representative, you will deliver exceptional service to all our Retail Credit and Mortgage Broker Services channels by providing administrative support and condition fulfillment, adhering to established regulatory policies and guidelines, to manage the overall enterprise credit risk.

Additional duties will be assessed as required.

Key Responsibilities

Administrative support for all Retail Credit and Mortgage Broker Services channels including:

• Collecting, verifying, and as needed forwarding for further review all supporting documentation required for approved credit files.
• Maintain credit files, ensuring proper follow up for pending mortgage transactions including all required documents to satisfy mortgage commitment conditions.
• Compiling and transferring credit files to the Retail Credit channels or Mortgage Processing as required.
• Liaising with Operations Processing as needed for security documentation.
• Handling of Broker, Operations Processing and Branch/MMS inquiries with respect to approved deals, resolving of issues or referring as required.
• Review of residential appraisals and referring when deficiencies are noted, or further review is required.
• Review the FraudIQ (Citadel) report on a daily basis in support of Risk Management.
• Any monthly reporting as deemed applicable.
• Remain informed of changes to lending practices within the marketplace and of changes to the lending practices of our private and government high ratio insurers.
• Remain informed of industry trends with respect to misrepresentation and apply thorough due diligence to the credit files and supporting documentation.

Knowledge, Skills, and Abilities

• Have the ability to decipher a credit application and credit bureau report.
• Be able to calculate income based on documentation provided.
• Be able to investigate and resolve branch/MMS concerns as they are presented.
• Strong service-oriented individual demonstrating tact and professionalism.
• Must have well developed organizational and interpersonal skills, with ability to adapt to a changing environment.
• Strong communication skills both written and verbal.
• Ability to work with minimal supervision in a fast-paced team environment, under tight timelines.
• Ability to deal with conflict.
• Strong analytical skills and attention to detail.
• Positive team player.

Education, Work Experience, and Professional Designations/Certifications

• Post-secondary education or equivalent work experience in a financial services sales environment with a minimum of 2 years’ experience with lending policies and documentation requirements.
• Strong computer application processing skills including web-based applications, Loan Origination Systems, Ovation/Encore banking systems.

This role represents an existing vacancy. Internal candidates are being considered as part of our standard process.

Salary Range: CAD $50,000 to $55,000.00 annually. Compensation for this role is based on a combination of skills, experience, and internal equity. Candidates with stronger alignment to the role’s requirements may be placed higher within the range. Your recruiter will share more information about our total rewards package during the hiring process.

Office Location: St. Catharines Corporate Office, located at 75 Corporate Park Drive, St. Catharines, ON orToronto Corporate Office located at 3280 Bloor St W, Etobicoke, ON.

Meridian has a remote work policy that allows flexibility for employees to work remotely but also requires regular time in the office for purposeful meetings to collaborate, innovate and build effective relationships with your team, your colleagues and your leader which is very important to us.

What's in it for you?

• We have an inclusive and collaborative working environment that encourages creativity, curiosity, and celebrates success
• We provide you with the tools and technology needed to delight your candidates and clients
• You’ll get to work with and learn from diverse industry leaders
• Hybrid work arrangements with in-person office time to collaborate, innovate and build relationships with your colleagues
• This isn't your typical "corporate" job. We work hard and we have fun!

Build the Future of Banking with Us

At Meridian, we’re not just adapting to the future—we’re shaping it. We see talent as a catalyst for sustainable growth,community impact, andfuture-readiness. As the financial landscape evolves, we’re looking for team members who bring:

• Embedding & leveraging technology– Confidence and willingness to learn and integrate AI and emerging technologies into new ways of working. Experience with low/no code tools like the Microsoft Power Platform and generative AI productivity tools like Microsoft Copilot is considered an asset
• Critical Thinking– The ability to analyze, evaluate and interpret information from various sources and apply logic and problem solving to make decisions.
• Data Driven– Leverage data and insights to identify, prioritize and improve member experience and business efficiency.
• Curiosity & Flexibility– Comfortable navigating and embracing change and uncertainty, ask more questions, explore more options. Continuously learn and grow.

Who we are:

Meridian is Ontario’s largest credit union, and second largest in Canada, helping to grow the lives of our more than 380,000 Members. Meridian has more than 80 years of banking history and is 100% owned by its members. With 87 retail branches and 15 Business Banking Centers across Ontario and $ 32B in assets under management, Meridian offers a full range of financial products and services to its retail, business banking and wealth members. With over 2200 employees and corporate offices located in Toronto and St. Catharines, Meridian has a track record of creating and delivering innovative new offerings and is committed to investing in the communities that we serve. Our plan is to build on our momentum as we deliver on our purpose - helping our members achieve their best life.

At Meridian, belonging starts with people. We are committed to creating an inclusive and accessible workplace where everyone feels valued, respected, supported, and empowered to bring their authentic selves to work. We believe that diverse backgrounds, identities, abilities, sexual orientation, experiences, and perspectives make us stronger and help us better serve our Members, communities, and one another.

We are committed to an accessible recruitment experience and will provide accommodation information to candidates selected for an interview.

To learn more about DEIBR at Meridian, visit meridiancu.ca.

Thank you for your interest in Meridian Credit Union. We look forward to learning more about you and the unique experiences and perspectives you could bring to our team.

Please note that due to the volume of applications, only those under consideration will be contacted for an interview.