Credit Adjudicator I
Winnipeg, MB, Canada
Job Description
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As a locally based financial institution, Cambrian Credit Union is known for delivering value and innovative new ways of banking to our members. Everything we do at Cambrian is guided by our five simple values: Integrity and Honesty; Member Focused; Competitive; Community Involvement; and Innovative Spirit. Reporting to the Manager, Centralized Credit Adjudication, the Credit Adjudicator I 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 I adjudicates all retail consumer credit including residential mortgages. This role is a development role designed to last 12-18 months as a new Credit Adjudicator becomes proficient in the tasks and responsibilities of the team. As our Credit Adjudicator I you will:
- Develop and adjudicate 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.
- Develop and structure 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.
- Remain current with Retail Credit Industry trends, High Ratio lending rules, regulations, appraisal standards, competitor products and strategies, and credit scores.
- 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.
- Seek ways to improve on retail credit underwriting through continuous review and development of retail credit procedures.
- Provide assistance and support to the Centralized Credit Adjudication team as deemed necessary or required.
What this role requires of you:
- 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.
What we offer you in return: Cambrian offers a diverse work environment where teamwork and creative thinking are valued. In addition, we offer continuing professional development and a competitive total compensation package including:
- Extended health and dental benefit options, up to 80% employer paid premiums dependent on which coverage level chosen
- Defined Contribution Pension Plan \xe2\x80\x93 matched at 6%
- Short Term Disability, Life Insurance, Long Term Disability, AD&D insurance and EAP
- Paid sick days, paid Absent days (personal emergencies)
- Customized training, career development planning and structured onboarding
- Staff Banking Benefits - Employee interest rates on Credit Union personal loans, lines of credit, mortgages and credit cards
- Annual performance appraisals and merit increase reviews
- Hybrid work environment, up to 80% remote depending on position.
How to apply: Please submit your application to https://www.cambrian.mb.ca/careers. Your resume and cover letter must clearly illustrate how you meet these qualifications
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Job Detail
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Job IdJD2145022
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IndustryNot mentioned
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Total Positions1
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Job Type:Full Time
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Salary:Not mentioned
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Employment StatusPermanent
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Job LocationWinnipeg, MB, Canada
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EducationNot mentioned