Hybrid Commercial Lending Relationship Manager

Meridian Credit Union; Barrie; Hybrid; CAD 79,000 - 95,000; Full time

Job summary

Meridian Credit Union in Barrie, Ontario is seeking a Relationship Manager to lead a portfolio of mid-size commercial accounts. You will analyze financial statements, structure credit and cash management solutions, and collaborate with teams to grow the commercial book while managing risk.

The role requires a university degree in Business or Finance and 2–5 years of commercial lending experience, with strong credit analysis, policy knowledge, and communication skills essential for success.

Qualifications

• University degree in business or finance or related discipline.
• 2–5 years of progressive commercial lending experience.
• Experience structuring mid-to-large real estate and construction financing.
• Advanced knowledge of banking policies and credit risk.
• Strong negotiation, communication and presentation skills.

Responsibilities

• Manage and grow a profitable commercial financing portfolio of diversified Commercial business members.
• Structure, negotiate and document credit and cash management arrangements outlining loan terms and conditions relative to risk, needs of borrower and cost of administration ensuring an appropriate return to the Credit Union.
• Demonstrate a well-developed understanding and solid analytical skills in the areas of balance sheets, cash flow mechanics, and business plans presented by Members.
• Exhibit strong general business sense coupled with the ability to develop a comprehensive finance package structured exclusively to meet the member’s credit and non-credit needs.
• Actively monitor and manage the profitability of Meridian’s relationship with a member in order to retain and maintain business.
• Keep abreast of changes within diverse industry sectors and proactively identifies opportunities to improve the growth and development of the assigned portfolio by analyzing member needs, trends, and competitor offerings.
• Independently generate credit and deposit opportunities in assigned region through cultivation of prospects, calling on referral resources, and networking with centers of influence.
• Proactively build and maintain a sales plan that includes outbound calling, marketing efforts and cross selling of Meridian’s products and services in order to position Meridian and the Relationship Manager as the Centre of Influence.
• Minimize loan risks through diligent, timely and proactive annual financial reviews and ongoing monitoring of changing economic/marketplace influences and applicable industry trends/data.
• Conduct extensive due diligence and prepares credit submissions in accordance with the company’s standards and procedures and presents them to the Regional Vice President.
• Focus on the highest quality Member service, ensuring alignment with overall Meridian and Commercial goals and objectives.
• Mentor and coach less experienced Commercial Services colleagues through collaborative teamwork and provides advice in regards to account management and credit structuring.
• Actively participate in Company and Community events and activities while demonstrating Meridian Values.

Skills

Relationship building

Credit analysis

Negotiation

Financial statement analysis

Education

University degree in Business or Finance

Job description

Meridian Credit Union in Barrie, Ontario is seeking a Relationship Manager to lead a portfolio of mid-size commercial accounts. You will analyze financial statements, structure credit and cash management solutions, and collaborate with teams to grow the commercial book while managing risk.

The role requires a university degree in Business or Finance and 2–5 years of commercial lending experience, with strong credit analysis, policy knowledge, and communication skills essential for success.