Retail Credit Quality Specialist

3 weeks ago

St Catharines, Canada Meridian Credit Union Full time

**About this opportunity**

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.

**What you’ll do**:
The incumbent will have the opportunity to build sound retail credit expertise. This expertise will be used to:

- Develop and improve Retail Credit policies and procedures
- Conduct reviews of Meridian and motusbank originated credit facilities and third party originated credit facilities
- Collect and prepare files for onsite audit engagements.
- Defend the organization in response to third party audit engagements that support insurance, securitization, regulatory and funding engagements
- Support the management of key vendor relationships
- Develop audit plans, conduct audits of Meridian and motusbank credit files, decision engines and loan systems, prepare audit reporting for Senior Management and Executive Leadership, and follow up on gap closure plans.

The purpose of this job is to:

- Support the Senior Manager, Credit Compliance in the execution of robust portfolio management practices by taking an active role in the day to day execution of internal audits, policy development and vendor relationships;
- Contribute to the Credit Management function by addressing risks associated with business objectives and new lines of business, by evaluating the controls in place to mitigate those risks;
- Provide value-added expertise and support to business partners on the creation or modification of policies, procedures, processes, products or services to ensure an appropriate level of internal control and compliance is maintained.

**Key Responsibilities**:

- Credit Audit Engagements_
- Performs audit assignments, which involve research and analysis of Meridian, motusbank and third-party policies and procedures, and insurance/regulatory guidelines.
- Evaluates and/or prepares credit files to develop an objective opinion on the effectiveness and efficiency of operations and/or the adequacy of internal controls.
- Executes file audits, taking a hands-on and risk-based approach, from audit planning to report completion and follow up.
- Performs testing, and documents conclusions for review.
- Prepares working papers and audit reports in accordance with established guidelines.
- Develops recommendations for improving internal controls, operating efficiency and adequacy of records and recordkeeping.
- Reports identified issues, findings and recommendations to Senior Management, to be actioned as appropriate.
- Prepares formal written reports covering the results of assigned engagements, and participates in report reviews with auditees and Senior Management.
- Performs other duties as required, consistent with the goals, objectives, and responsibilities of the department.
- Other_
- Assists in administration functions such as updating internal policies and vendor relationship management.
- Assists the Retail Credit leadership team with annual audit planning and engagements.
- Contributes to the safeguarding of corporate assets and the interests of Members by ensuring that appropriate internal controls are in place and appropriate.
- Develops and maintains professional relationships with employees of the Credit Union. Builds collaborative partnerships with employees and Management in order to be an agent for constructive change.
- Obtains an understanding of the organization’s major systems, including the banking and lending environments.
- Provides recommendations relative to the design and effective operation of internal controls.

**What you can bring to Meridian**:

- Knowledge and Experience_
- Undergraduate degree in Business, Accounting or Finance is preferred.
- Consumer lending experience, in mortgage lending, is required.
- Knowledge of banking or credit policies, procedures and practices in the retail lending space, including regulatory and insurance requirements would be considered an asset.
- Working knowledge of business financial statements and working knowledge of auditing practices, processes, standards, techniques and procedures.
- Skills:_
- An understanding of internal controls and related concepts.
- Exceptional attention to detail.
- Good team and interpersonal skills, with a proven ability to communicate effectively (both written and oral) to enable the precise articulation of complex ideas and concepts.
- Capable of working independently and autonomously on assigned projects, with the ability to stand firm on difficult issues when required.
- A collaborative consensus-builder, willing to share knowledge and findings with others in order to arrive at a “win-win” solution.
- Brings a logical approach to identifying/evaluating issues and problem-solving.
- Results oriented, with the ability to prioritize and deliver on key initiatives.
- Unquestioned personal integrity, highly professional and credible, with strong ethics and v

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