Retail Credit Learning & Development Specialist (1 year contract)

Bow Valley Credit Union; Town of Cochrane; On-site; CAD 70,000 - 90,000; Full time

Job summary

Une institution financière dynamique recherche un Spécialiste en Apprentissage et Développement du Crédit pour un contrat d'un an. Ce rôle axé sur la formation impliquera le soutien à l'équipe de prêt tout en effectuant l'adjudication de crédits complexes. Le candidat idéal aura une solide expérience en crédit et en développement de formations pour améliorer les compétences de l'équipe, tout en garantissant une expérience bénéficiaire exceptionnelle pour les membres.

Benefits

Programme de régime de retraite

Assurance santé

Vacances rémunérées

Qualifications

• Expertise en crédit avec un fort accent sur la formation et le développement.
• Expérience éprouvée en adjudication de crédit complexe.
• Connaissance des politiques de crédit.

Responsibilities

• Développer et mettre en œuvre des programmes de formation pour l'équipe de prêt.
• Adjudiquer les demandes de prêts complexes.
• Fournir des conseils sur la structure des demandes de crédit.

Skills

Communication

Analyse financière

Formation et développement

Pensée critique

Gestion de projets

Education

Minimum 6 ans dans le secteur des services financiers

Minimum 4 ans dans un rôle de crédit

Job description

The Retail Credit Learning & Development Specialist (1 Year Contract) will support the design and development of retail credit’s internal training programs to enhance our lending team’s skills and knowledge with an emphasis on BVCU’s policies, procedures, and best practices to support the member experience and mitigate risk.

With their strong background in retail lending, the successful individual will also be able to undertake complex retail credit adjudication, as well as helping lenders structure sound credit applications.

KEY ACCOUNTABILITIES:

Learning & Development

• Supports conducting needs assessments to help identify training gaps and develop learning objectives, with a focus on strategic alignment with business goals
• Assists with designing, developing, and delivering engaging training materials
  
• Aids in evaluating the effectiveness of training programs using metrics and analytics to make recommendations
• Stays up to date on industry best practices in learning and development, particularly in the retail credit space, and champion innovative training solutions
• Collaborates with subject matter experts and senior leaders to ensure training content is accurate, up-to-date, and aligned with organizational objectives
  

Support & Guidance

• Provides advice and direction to lenders regarding the analysis, structuring, and negotiation of credit applications and related documentation
  
• Acts as a resource for all lending matters including collections, delinquency controls, and loss prevention
  
• Assists and performs Loan Transaction Review Worksheets of lending staff and other reviews and reporting as required with documentation and trend analysis to senior management to improve training and development

Organizational Development

• Assists in developing and implementing credit policies and procedures
• Provides recommendations to senior management regarding improving departmental efficiencies and processes
  

Credit Adjudication

• Adjudicates larger, more complex loan applications and renewals where amounts requested exceed branches’ approval levels, including high ratio insured credit, meeting BVCU's SLAs
• Completes of financial analysis, security valuations, and terms/conditions of the credit request to ensure that approved applications are appropriately structured to minimize risk of default and loss, ensuring timely and accurate enhancements to the application
• Identifies viable alternatives or revisions to security, terms and conditions to minimize the risk of default
• Recommends acceptable credit applications that require higher level authorization, including Credit Committee and CUDGC, and presents/supports the application

Compliance Responsibilities

• Possesses working knowledge of credit related policies and procedures, credit investigation and analysis
  
• Ensures all policies and procedures in daily activities to meet safety, legal, and privacy requirements
• Ensures compliance with applicable regulations, legislation, and BVCU policies and procedures, through a lens of mitigating enterprise risk factors which may impact the credit portfolio by keeping current and applying knowledge as appropriate
• Works closely with Lending Services Team, ensure risk and internal controls are in place

CORE EFFECTIVENESS SKILLS:

• Be a coach with experience in developing and implementing training strategies

• Excellent communication, presentation, and interpersonal skills, with the ability to influence and persuade stakeholders at all levels
• Demonstrated ability to read and interpret financial documents and spreadsheets
• Excellent quantitative and qualitative analytical skills with an exceptional eye for detail
• Diplomatic, profession, nimble, and an organized individual who thrives in a fast pace, time-sensitive environment to provide timely adjudication to credit submissions
• Strong planning, critical thinking, and problem-solving skills with the ability recognize global implications of decisions; able to understand how to structure a retail credit deal, being flexible as appropriate
• Strong computer skills, able to pick up new and existing programs related to the job quickly
• Solution focused with a results-oriented attitude, and flexible in delivering on expectations
• Strong project management skills, with the ability to manage multiple initiatives simultaneously and meet deadlines
• Possesses Bow Valley Credit Union’s core values and share in our mindset to enhance a member-excellent culture, including a positive attitude towards change and change management

• Apply strong decision-making skills with a degree of discretion (as provided)
• Demonstrate a high level of integrity and be trustworthy and an ability to work with confidential information

EDUCATION & QUALIFICATIONS:

• Minimum 6 years in a financial services environment, including a minimum of 4 years in a credit role with a preference giving to those with previous learning and development roles
• Solid knowledge and understanding of credit lending guidelines and policy
• Business-minded professional who aligns business objectives and capabilities with the technical aspect of our business to achieve results

• Committed to continuous learning and development
• Self-starter with the ability to work in team environment

THE FINE PRINT:

• This full time position is on-site at our Cochrane Administration Office
  
• Working Hours: Monday – Friday 8:30 am to 5:00 pm
• Must be bondable and have legal authorization to work in Canada on a full-time basis for anyone other than current employer

APPLYING WITH BVCU:

BVCU is strongly rooted in the communities we serve and have built considerable success by delivering exceptional service and products to our members to help built a strong financial future. We take great pride in the communities and are committed to helping them thrive.Total compensation includes vacation, RRSP program, and benefits, including an HSA.

At BVCU, we are committed to providing an environment of mutual respect where equal employment opportunities are available to all applicants without regard to race, colour, religion, sex, and all other characteristic protected by law. We believe that diversity and inclusion is critical to our success, and we seek to recruit, develop, and retain our talent from a diverse candidate pool. The credit union reserves the right to change job accountabilities and responsibilities as business needs dictate.

BVCU thanks you for your application, but we will only be contacting successful applicants. Online applications only.