Credit Adjudicator

Cambrian is seeking a Credit Adjudicator to join our Centralized Credit Adjudication team. The Credit Adjudicator is responsible for retail lending decisioning from the retail branches and virtual services, while employing practices to mitigate risk and ensure compliant retail lending practices. The Credit Adjudicator adjudicates all retail consumer credit including residential mortgages.

This Credit Adjudicator position will be offered to the successful candidate as either Credit Adjudicator I or Credit Adjudicator II, based on their lending experience.

In this role, you will:

1. Be accountable for the development and adjudication of routine retail credit requests within the risk parameters established by Cambrian Credit Union, as outlined in Retail Lending Manual, and within authority limits established by the Credit Committee.
2. Be responsible for development, and structuring of loans, lines and mortgages along with revolving credit reviews. Be aligned to the business development objectives of the organization within the parameters of an established risk management philosophy and framework.
3. Be accountable for remaining current with Retail Credit Industry trends, High Ratio lending rules, regulations, appraisal standards, competitor products and strategies, and credit scores.
4. Embrace change, and serve as an advocate and role model for promoting a mindset of continuous improvement and operational efficiency within the Centralized Credit Adjudication department.
5. Seek ways to improve on retail credit underwriting through continuous review and development of retail credit procedures.
6. Provide assistance and support to the Centralized Credit Adjudication team as deemed necessary or required.

We are looking for:

• Minimum education level of Grade 12 or equivalent, with post-secondary education in Business/Finance considered an asset.
• Minimum 1 year of job related experience within a retail sales environment that includes credit adjudication.
• Demonstrated retail lending skills with a thorough knowledge and understanding of standard credit practices and retail lending processes.
• Previous experience in the credit union industry, considered an asset.
• Proficient in PC applications of Outlook, Word & Excel.
• Creative thinker/problem solver, with a member-centred approach and strong drive to continuously improve and add value to the business.
• Ability to work well in an environment with multiple and often changing priorities.

Cambrian offers a work environment where creative thinking and teamwork are valued. In addition, we offer a competitive total compensation package including:

• Extended health and dental plans with up to 80% employer paid premiums (depending on the option chosen)
• Defined contribution pension plan - matched at 6%
• Short Term Disability, Long Term Disability, Life Insurance, AD&D insurance and an EAP
• Paid sick days and paid emergency absent days
• Staff banking benefits, including employee interest rates on Cambrian credit cards, lines of credit, mortgages, and loans
• Continued professional development
• Annual performance reviews and merit increase reviews

How to apply:

Please submit your application online (https://www.cambrian.mb.ca/about-us/careers). Your resume and cover letter must clearly illustrate how you meet these qualifications.

Cambrian Credit Union would like to thank all applicants for their interest, however, only those selected will be contacted.

Note: Cambrian Credit Union is an equal-opportunity employer. We welcome and encourage applications from individuals with diverse backgrounds, abilities, and experiences. Accommodations are available upon request for candidates taking part in all aspects of the selection process.

Applications will be accepted until 5pm on July 3.