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Manager of Retail Credit
3 weeks ago
Manager of Retail Credit
**Who are we?**
Sudbury Credit Union was founded in 1951 with one simple value — **‘people helping people.’** This value has remained a constant throughout our history and resonates today as much as it did then.
As a community-minded financial co-operative, Sudbury Credit Union is committed to the well-being of our employees, our members and our community. We serve over 15,000 Sudburians extending from Levack to Minnow Lake, from our six local branches to your smartphone, and from small community groups to large local companies. We provide all the banking solutions you would expect from a financial institution, but with a unique understanding of our local needs. We know Sudbury because we ARE Sudbury - which is why we were voted 'Best Place To Work' at the 2024 Bell Business Excellence Awards and why we were voted Sudbury's favourite bank/credit union and favourite financial planning firm.
We are truly community-minded, just like you, and are proud to be a part of the fabric of Sudbury. To see what makes Sudbury Credit Union different, click here. Come be part of something bigger.
**The Opportunity?**
Our internal people are learning, growing and advancing If you've thought about a career in finance, with future opportunities for growth, consider joining our team. The Manager of Retail Credit manages the retail lending function of the credit union by monitoring lending activities and reviewing on a regular basis, the performance of department personnel. Initiates action to improve the growth and quality of the credit union portfolio and provides monthly credit reports to senior management.
**What will you do?**
**Manage the Retail Lending Function of the Credit Union**
- Establishes and maintains a framework for credit granting
- Maintains compliance with all lending regulations, by-laws, policies and procedures
- Directs, coordinates and controls the lending activities for all branches of the credit union
- Develops and implements a sound, diversified and quality loan portfolio through sound lending policies and practices, delinquency guidelines, monitoring management, and sound matching mix
- Provides credit reports as required
- Reviews lending policies and procedures, including individual loan limits and makes recommendations to the CRO for revisions at least annually
- Participates as a member of the Management Credit Committee
**Manage Corporate Credit Staff**
- Reviews and approves employee performance appraisals, in accordance with personnel policies
- Participates in the recruitment and selection of credit department staff and makes hiring decisions
**Monitor the Activities of Branch Credit Staff**
- Monitors and ensures loan demands are achieved
- Monitors all lending and collection activities and ensure adherence to policies and procedures
- Provides or arranges training to ensure all credit supervisors and loan staff are properly trained in all areas related to the loans function
- Reviews and approves retail and commercial credit
- Approves credit when required
**Manage overall Delinquency Control**
- Directs, coordinates and controls the collection activity for the credit union
- Maintains delinquency control systems that will quickly identify delinquent accounts
- Determines monthly reserve requirements for delinquent accounts and recommends necessary expense allocation to maintain this reserve
**What will you need to succeed?**
Acquired Skills and Abilities
Extensive knowledge of personal credit granting policies, procedures and product
Extensive knowledge of banking procedures
Extensive knowledge of Credit Union Act, policies, procedures, philosophy and mission
Extensive knowledge of rates and services offered by competition
Moderate knowledge of all credit union products and services
Moderate knowledge of SCU’s computerized banking system
Moderate knowledge of department software (e.g. Word, Excel, PowerPoint, Outlook, Internet)
Moderate knowledge of accounting principles
Moderate knowledge of finance and budget preparation
Moderate knowledge of product pricing
Familiar with interview techniques and hiring standards
Ability to communicate effectively (both oral and written)
Ability to lead through vision and values
Ability to think critically and creatively
Ability to manage activities and projects towards measurable goals
Ability to plan, organize, prioritize and meet deadlines
Ability to appraise employee performance and develop people
Ability to identify and solve problems and make decisions
Ability to work accurately and independently
Ability to interact with internal and external contacts in a courteous, friendly, professional and efficient manner
**What's in it for you?**
- A competitive financial compensation package
- Work-life balance
- Paid leave including vacation, sick days and emergency days
- Health Care, Life Insurance and Short and Long Term Disability benefits
- Participation in our employee pension plan
- An inve
