Manager, Commercial Credit

2 weeks ago

Burnaby, Canada Gulf and Fraser Fishermen CU Full time

**Why Gulf & Fraser?**:

- Drive, contribute, grow - together._
At Gulf & Fraser, you have the opportunity to drive, develop and further your career alongside a team of passionate, empowered and engaged fellow professionals. Gulf & Fraser is proud to offer a caring, open-minded culture that encourages community involvement where you can contribute to causes that are important to you. You can grow your own success and feel great about working with us

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Position Overview*
The **Manager Commercial Credit** contributes to the provision of service excellence to Gulf & Fraser’s members by leading and directing commercial credit operations, adjudications and assisting in its ongoing development. The incumbent collaborates with departments and commercial team to provide support and direction to ensure efficient and effective commercial credit operations in an ongoing effort to providing an overall positive member experience. The Manager Commercial Credit aids in the growth and profitability of the commercial portfolio by assessing and approving loans and ensuring they are within the risk appetite of the Credit Union, assisting in the mentoring and training commercial account managers and business relationship managers, approving loan pricing and loan structure, and ensuring the Policies of the Credit Union are followed. The incumbent conducts post reviews and ensure feedback is provided and a response is given with amendments made to the file as necessary. Assists in the overall management of the commercial portfolio through development and continuous improvement of processes, guidelines, and Policy.
- Credit Application Review_
- 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.
- Internal Reviews, Auditing & Risk Management_
- 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 correct any policy deviations.
- 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_
- 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 Gulf and Fraser’s reputation in the community.
- Mentoring, Coaching & Collaboration_
- Collaborates with Commercial Team and other departments on credit-related projects such as lending campaigns.
- Partners with Human Resources in development and delivery of commercial credit training programs.

In conjunction with branch and other department management, provides ongoing coaching, guidance and support to employees.
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Requirements*
- Post-secondary business degree or diploma
- Minimum 7-9 years’ progressive experience in commercial credit
- At least 5 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

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How to Apply:*

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