Manager, Commercial Credit - Temporary 6 months

G&F Financial Group; Bakersfield (CA); Remote; USD 60,000 - 100,000; Full time

Job summary

An established industry player is seeking a driven Manager of Commercial Credit to lead their credit operations. This role involves reviewing and approving commercial credit applications, negotiating loans, and ensuring compliance with policies. The ideal candidate will have a strong background in commercial credit analysis and a passion for fostering relationships within the community. Join a collaborative team that values inclusivity and innovation, and take the next step in your career while making a meaningful impact in the financial wellness of your community.

Benefits

Competitive base salary

Pay in lieu for benefits and vacation

Remote working arrangements

Qualifications

• Minimum 5 years experience in commercial credit.
• Experience with a variety of commercial lending including construction and development.

Responsibilities

• Review and approve commercial credit applications.
• Negotiate commercial loans and monitor portfolio performance.
• Manage credit processes to meet quality and turnaround timelines.

Skills

Commercial Credit Analysis

Loan Underwriting

Risk Management

Relationship Management

Financial Analysis

Education

Post-secondary business degree or diploma

Tools

Lending Software

Job description

Beem Credit Union, founded by Gulf & Fraser and Interior Savings, is the second largest provincially regulated credit union in BC with approximately $ billion in total assets under administration. Beem employees work to serve over , members who live and work across the province. The credit union offers personal and commercial banking and a full range of insurance and wealth management services from branches that span BC from downtown Vancouver to the North Peace region.

At Beem, we strive to create a future where everyone in our communities can achieve financial wellness. We are proud to serve our members across BC by offering reliable advice, a welcoming environment, and a full range of personal and business banking, investment, and insurance solutions. We help our members find the best options to fulfill their financial potential. We believe in the power of progressive thinking and positive action to take incredible steps forward in every aspect of life.

Learn more about our journey to build Beem Credit Union at

Looking to join a team of driven, collaborative, and positive professionals, grow your career, and contribute meaningfully to your community? Sounds like this opportunity might be the perfect fit!

What this role is all about :

Beem Credit Union is seeking a driven and detail-oriented Manager, Commercial Credit (Temporary months) to lead and direct commercial credit operations, adjudications and assisting in its ongoing development. Reporting to the Associate Vice President of Credit, the Manager Commercial Credit contributes to the provision of service excellence to the Credit Union’s members. The incumbent collaborates with departments and the commercial team to provide support and direction to ensure efficient and effective commercial credit operations in an ongoing effort to provide an overall positive member experience.

This role will enjoy remote working arrangements. Experience Beem and the communities we serve!

What you’ll do : Core Outcomes :

Credit Application Review

• Reviews, analyzes and approves commercial credit applications within delegated lending limits and makes recommendations for approval to the appropriate parties as required.
• Provides advice and guidance on large, complex loans or other commercial credit issues, and provides technical direction as required.
• Ensures annual reviews are completed in accordance with Policy and follows-up with the Commercial team as needed.
• Negotiates commercial loans with the BRMS and CAMs to ensure they provide a balance of risk and return.
• Monitors commercial out-of-orders, watch list, delinquency, and maturities to ensure the proper administration of the portfolio.
• Maintains up-to-date knowledge of the economy, the market and the Credit Union’s competition with particular attention to the commercial and retail real estate markets.
• Monitors processing and loan underwriting methods to ensure quality, delinquency control, overdrafts, policy and documentation requirements and requirements set out by regulators & auditors are satisfied.
• Coordinates the dissemination of loan policies and procedures; ensures employees follow loan underwriting policies and any policy deviations are corrected.
• Oversees monthly audits and conducts random reviews of commercial credit files.
• Oversees, coordinates preparation of and verifies a variety of regular and ad-hoc reports.
• Conducts regular reviews of lending limits, audit controls, lending caps and other risk management areas to ensure compliance.
• Regularly updates the approved legal firm, appraisers, QS and Syndication lists.
• Oversees setup of employee access to relevant lending software and systems.

Process Review & Improvement

• Assesses credit practices to ensure appropriate response to evolving needs. Recommends commercial credit policy and procedure improvements to support higher productivity and efficiency.
• Manages the credit process to meet quality and target turnaround timelines.
• Assists with resolving internal audit and BCFSA audit findings.

Relationship Management & Collaboration

• Maintains positive and mutually beneficial relationships with product and service vendors.
• Fosters positive relationships with internal partners to ensure smoothly implemented practices.
• Attends community events, educational seminars and builds a positive profile in the financial community.
• Builds positive internal and external stakeholder relationships to further Credit’s internal reputation and the Credit Union’s reputation in the community.
• Collaborates with the Commercial Team and other departments on credit-related projects such as lending campaigns.
• Partners with the Learning and Development team in development and delivery of commercial credit training programs.

Qualifications :

• Post-secondary business degree or diploma
• Minimum - years’ progressive experience in commercial credit
• At least years’ experience in underwriting or commercial account management
• Experience with a wide variety of commercial lending, including construction, development, industrial, income and balance sheet lending.
• Equivalent combination of the above may be appropriate

What you'll gain :

• Competitive base salary; reviewed annually. The salary range for this position is $, to $,
• You will receive additional pay in lieu for benefits and vacation.

At Beem we are BOLD and Always Welcoming and our values are at the forefront of everything we do!

• B uild Together : You are a team player who thrives on collaboration, sparks ideas, and fosters inclusivity.
• O wn It : You are ready to take charge, drive change, and deliver outstanding results.
• L ead with Agility : You are a dynamic, adaptable thinker who thrives on challenge and innovation.
• D riven by Curiosity : You are eager to explore, learn, and shape the future.

Ready to join?

Visit us at to learn more about what it’s like to work for Beem Credit Union! We sincerely thank all applicants for their interest; however, only shortlisted candidates will be contacted for an interview.

We at Beem Credit Union are committed to ensuring inclusive employment practices and an accessible business environment for our employees. We do not discriminate based on any protected attribute covered by the Human Rights Code and encourage all qualified candidates to apply. We are committed to a fair and equitable hiring process for all candidates.