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Retail Credit Adjudicator

30 minutes ago

Kitchener, Canada Your Neighbourhood Credit Union Full time

Reports to: Manager, Residential Credit Risk

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

Here at YNCU, we are all about putting our money where our mouth is and keeping our dollars local and investing back into our members, staff, and community; and we are looking for people like you to join our team.

**The Role**
- Effectively communicate & reinforce YNCU’s vision, organizational values and the direction of Credit Adjudication Effectively communicate & reinforce YNCU’s vision, organizational values and the direction of Credit Adjudication
- Provide leadership to achieve superior member and colleague experience, by providing the right decision the first time
- Adhere to established risk policy, utilizing sound judgement and detailed analysis in the review of credit submissions to manage risk to YNCU and the member
- Recommend/approve exceptions to credit rules and guidelines within your mandated authorities
- Promote sound credit judgment and adherence to policy and procedures
- Participate in the development and implementation of programs to drive personal credit growth
- Identify innovation that will improve the efficiency and effectiveness of the organization.
- Work closely with the retail team in developing mutually beneficial member centric solutions
- Stay current with general economic indicators and industry sector trends
- Exhibit leadership by providing support and assistance to the Risk Team and operating as an effective team member
- Identify business sectors with strong growth potential, or conversely deteriorating patterns, to ensure the portfolio is proactively managed to maintain a high level of quality
- Maintain a strong knowledge of policies and procedures as they pertain to the operations of Lending Services
- Conduct credit analysis and complete due diligence and investigation of new lending opportunities within the guidelines outlined in policy and procedure
- Provide excellent client service to internal and external parties
- Abide by YNCU policies, procedures, standards, guidelines and practice
- Work safely in accordance with YNCU's Health & Safety Policy, procedures and the
- Occupational Health and Safety Act as amended from time to time
- Other duties as assigned

**What we are looking for**:

- Post-secondary diploma, degree and/or certification in Business Administration, Economics, Finance, Commerce, Real Estate or a related program, or an equivalent combination of education and experience
- 2+ years’ experience in adjudicating credit products, including loans and mortgages
- Expert knowledge and understanding of Personal lending guidelines and policy
- Understanding of the credit union system, values-based banking, and member-centric service models.
- Proven analytical and problem-solving skills
- Ability to adapt to a changing environment
- Working knowledge of general banking, sound management principles, best practices and retail banking industry trends and conditions
- Knowledge of DNA banking system and Doxim LOS is an asset but not required
- Must have a valid Ontario driver's license and reliable available vehicle
- Must be bondable
- Effective understanding and use of Microsoft Office (Outlook, Excel, Word, PowerPoint)
- Strong planning, organizational and time management skills
- Positive, confident, supportive and engaging interpersonal skills
- Demonstrated solid reasoning and judgment skills in decision making
- Ability to build relationships with employees by acting as a role model, providing leadership, a positive environment and regularly coaching staff through quality and constructive feedback
- Ability to build trust with others, remain open to ideas and be supportive
- Superior service ability
- Demonstrated exceptional analytical skills
- Self-motivated and resourceful
- Ability to work collaboratively as a team member and actively contribute to team successes across YNCU
- Keen business sense with the ability to find creative business-oriented solutions to problems
- Ability to embrace and manage change
- Ability to maintain confidentiality of sensitive and proprietary information

**Why work at YNCU?**

YNCU employees get to be a part of the growing credit union movement and help us get the word out on why banking locally is so important. We’re your friendly, helpful, and financially savvy neighbour who provides tailored financial services to our members, supports small businesses, creates local jobs, and gives back to causes that matter. Through our Good Neighbours Employee Volunteer Program and Monthly Staff Donation Draws, we even let you choose the causes we donate to and support.
- B Corp Certified
- Certified Ontario Living Wage Employer
- Southwestern Ontario Top Employers (2025)
- Waterloo Area's Top Employers (2025)
- Canada's Healthy Workplace Month Great Employer Award (2024)
- Flexible work a