Retail Credit Adjudicator

YNCU; Kitchener; On-site; CAD 75,000 - 80,000; Full time

Job summary

A community-focused credit union in Kitchener seeks a Retail Credit Adjudicator to review and approve personal and mortgage applications. The role involves assessing risks and building positive relationships with teams, emphasizing community support. A minimum of 2 years in credit adjudication and relevant educational qualifications are required. This position offers a competitive salary and benefits, fostering a collaborative work environment.

Benefits

Flexible work

Competitive pay

Wellness programs

Learning opportunities

Qualifications

• 2+ years’ experience in credit adjudication.
• Strong knowledge of personal lending guidelines.
• Valid Ontario driver’s license and reliable vehicle.

Responsibilities

• Review, recommend, and approve personal and mortgage applications.
• Provide coaching to branch and corporate teams.
• Conduct credit analysis and due diligence on lending opportunities.

Skills

Analytical skills

Interpersonal skills

Decision-making skills

Organizational skills

Problem-solving skills

Understanding of banking operations

Adaptability

Trustworthiness and confidentiality

Education

Post-secondary diploma, degree, or certification in relevant fields

Tools

Microsoft Office

DNA banking system

Doxim LOS

Job description

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Reports to : Manager, Residential Credit Risk

Salary Range : $75,000 - $80,000

Are you a community-minded person that’s passionate about investing locally and giving back to your community? Do you like working with other like-minded people toward a common goal?

Here at YNCU, we prioritize local investment and community support. We are looking for individuals who share our values to join our team.

The Role

The Retail Credit Adjudicator reviews, recommends, and approves complex personal and mortgage applications. They assess risks, respect organizational policies, and may recommend exceptions. They develop strong relationships with branch and corporate teams, providing coaching to ensure member satisfaction. They also contribute to business growth initiatives, focusing on personal lending and retail asset growth.

• Communicate YNCU’s vision and values effectively, especially regarding Credit Adjudication
• Provide leadership to ensure a positive member and colleague experience by making accurate decisions
• Follow risk policies, using sound judgment and detailed analysis in credit reviews
• Recommend or approve credit exceptions within authorized limits
• Offer constructive feedback to retail teams to improve quality and decision-making
• Promote sound credit judgment and adherence to policies
• Participate in programs to drive credit growth
• Identify process improvements to enhance organizational efficiency
• Work closely with retail teams to develop member-centric solutions
• Stay informed on economic indicators and industry trends
• Support the Risk Team and work effectively within a team
• Monitor business sectors for growth or deterioration to maintain portfolio quality
• Maintain knowledge of lending policies and procedures
• Conduct credit analysis and due diligence on new lending opportunities
• Provide excellent service to internal and external clients
• Follow YNCU policies, procedures, and safety standards
• Work safely according to health and safety policies and regulations
• Perform other duties as assigned

Qualifications

• Post-secondary diploma, degree, or certification in relevant fields, or equivalent experience
• 2+ years’ experience in credit adjudication, including loans and mortgages
• Strong knowledge of personal lending guidelines and policies
• Understanding of credit union principles and member-focused banking
• Analytical and problem-solving skills
• Ability to adapt to change
• Knowledge of banking operations and industry trends
• Experience with DNA banking system and Doxim LOS is an asset
• Valid Ontario driver’s license and reliable vehicle
• Bondability
• Proficiency in Microsoft Office
• Strong organizational and time management skills
• Excellent interpersonal skills
• Sound judgment and decision-making skills
• Ability to build relationships and coach staff
• Trustworthiness and confidentiality

Why work at YNCU?

Be part of the growing credit union movement. We support local communities through volunteer programs, donations, and employee benefits. We are B Corp certified, recognized as a top employer, and offer flexible work, competitive pay, benefits, pension, wellness programs, learning opportunities, and more.

We value diversity and inclusion and are committed to providing accommodations for persons with disabilities during the recruitment process. Please contact Human Resources at [e-mail] for assistance.

Seniority level: Associate

Employment type: Full-time

Job function: Finance

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