Credit Risk Manager Ii, Commercial Credit

We are currently seeking a Credit Risk Manager II, Commercial Credit to join our team.

**Here’s what would be included as a part of your typical day**
- **Risk Management**: Assists the Senior Manager, Commercial Credit in managing First West’s commercial credit portfolio by monitoring lending activities and ensuring that quality controls, risk mitigation practices; and policies and procedures are in place and are being applied consistently and effectively.
- **Annual Reviews**: Completes annual reviews and renews credit facilities in the commercial credit portfolio; identifies areas of potential risk and initiates action to mitigate potential losses within established controls, identifies quality deficiencies and/or areas of risk and recommends mitigation and follow-up action; ensures that all associated periodic reporting is accurate and up to date.
- **Margins**: Monitors margins applied on commercial lines of credit and ensures that the appropriate guidelines, lending practices, and terms and conditions are applied; identifies areas of potential risk and initiates action to mitigate potential losses within established controls, identifies quality deficits and recommends mitigation and follow-up action. Performs key administrative tasks to ensure adequate level of monitoring and performance of the LOC margining platform.
- **Auditing & Reporting**: Completes internal file quality assurance audits for loans approved within the limits of commercial banking hubs. Completes various internal credit reports for senior management as required.

**Required Skills, Experience & Qualifications**
- Bachelor’s degree required
- 7 years’ experience in commercial lending with two years in an adjudication function with assigned lending limits required
- Proven ability analyzing complex financial statements and non-financial credit risk analysis required
- Demonstrated knowledge of relevant legislation and statutory requirements related to commercial credit adjudication required
- Proven abilities in construction-financing credit risk analysis required
- Excellent relationship building skills with the ability to communicate both verbally and in writing with a wide variety of people
- Effective time management skills with ability to prioritize work and multi-task
- Strong negotiating skills
- Familiar with loans origination programs
- Displays an understanding of risk and risk ownership by being able to demonstrate adherence to policies and procedures.

**What’s in it for you**:
First, we strive to make our team members feel genuinely rewarded. You’ll have:

- Mental health coverage and resources
- Customizable health benefits, as well as topped-up parental leave
- Performance-based compensation, employee banking advantages and group RRSP matching
- Vacation time and flexible work arrangements to support your lifestyle

We are committed to providing a fair, equitable, and competitive rewards package that reflects the value an individual brings to our organization. The compensation mentioned in this job posting should serve as a guide. The total cash compensation earned may vary based on a variety of factors including bonuses and/or incentives, an individual’s skills and experience, and may correlate with performance in the role.

We also provide and encourage opportunities for our employees to make a meaningful impact. After all, as a credit union we’re powered by giving back—in big ways and through small gestures. That's why we offer employees paid time off to volunteer, partner with thousands of local charities, build long-lasting relationships that help our members get ahead and commit to environmental, social and governance (ESG) practices.

By joining our team, you’ll be able to elevate your potential. Wherever your own purpose leads, we’re here to support you with award-winning in-house training programs, access to LinkedIn Learning, and reimbursement for external courses to help you get ahead.**Diversity, Equity, Inclusion & Belonging**

At First West Credit Union, we embrace diversity regardless of gender identity or expression, sexual orientation, religion, race, ethnicity, age, diverse ability, and any aspect that makes someone unique. Inclusion is woven through our organization, from our employee-led network groups, hiring practices and education programs that address barriers and continually grow our equitable, diverse and inclusive culture.

Your individuality is welcome here.

**About Us**

We’re a financial cooperative that does things differently. We provide time-tested advice that helps our members feel optimistic about their future, and we offer comprehensive banking solutions that enable people to confidently reach their goals. With the financial strength and extended branch network of a large financial institution, we maintain local connections to our communities and take a unique grassroots approach to service. Our more than 250,000 members and approximately 1,250 employees operate from 45 branches t