Credit Solutions Manager

What this role is all about

The Credit Solutions Manager provides expert credit structuring and underwriting support to the Commercial Banking team, ensuring strong portfolio performance and compliance with Beem's credit standards. The role focuses on analyzing complex credit requests, structuring solutions that meet member needs, organizational profitability and risk appetite, and mentoring associate underwriters. The position is hybrid and covers the Kamloops to Prince George region.

• Analyze financial statements, appraisals, and environmental reports to assess creditworthiness and risk.
• Structure and prepare commercial loan applications and memorandums in compliance with Beem's credit policies.
• Collaborate with Relationship Managers to jointly submit applications and ensure timely funding of approved loans.
• Recommend loan submissions based on Credit Union established policies and pricing.

• Monitor portfolio quality, exposure limits, and security requirements to safeguard Beem's assets.
• Manage annual reviews and renewals for assigned portfolio, ensuring covenant compliance and risk mitigation.
• Assist in complicated credit structuring with Commercial Relationship Managers.

• Ensure adherence to regulatory requirements and Beem's risk management framework.
• Implement procedures to minimize loan and revenue loss through early identification of risks.
• Review appraiser and quantity surveyor progress reports and prepare construction draw recommendations.

• Mentor and coach Credit Solutions Associates, providing onboarding and credit training.
• Partner with internal teams to deliver seamless service and support business growth objectives.
• Maintain and develop a small portfolio of clients, ensuring exceptional service and relationship management.

• Post‑secondary education in financial accounting or related field required;
  Business undergraduate degree preferred.
• 4‑5 years in financial services environment, with 2‑3 years in commercial or business lending.
• Advanced knowledge of credit analysis, structuring, and risk assessment.
• Strong analytical skills and understanding of financial statements.
• Proficiency in MS Office Suite and financial analysis tools.

• Annual salary range: $92,200 to $115,200.
• Performance and recognition: bonuses tied to shared goals.
• Health and wellness: extended health coverage, dental care, disability coverage.
• Time away: vacation and personal days with no extra break policy.
• Retirement: generous RRSP contributions, in‑house financial advice, flexible contribution options.
• Member perks: free banking accounts, special mortgage and lending rates, preferred financial perks.

We at Beem Credit Union are committed to ensuring inclusive employment practices and an accessible business environment for our employees. We do not discriminate based on any protected attribute covered by the Human Rights Code and encourage all qualified candidates to apply. We are committed to a fair and equitable hiring process for all candidates. All applications are reviewed by a member of our team.

Beem Credit Union serves communities across many traditional Territories and Treaty areas in British Columbia. We are grateful to live and work on this land and are committed to reconciliation, decolonization, and building strong, connected relationships.