Director, Commercial Credit

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Beem is redefining what it means to be a credit union. With 80 years of cooperative history and a bold vision for the future, we’ve united to create a financial partner that offers both digital ease and people-first service.

Our mission is clear:
financial wellness for all. We help British Columbians achieve their goals through personalized advice, innovative technology, and genuine human connection.

As one of BC’s largest credit unions, we serve over 200,000 members across 66 branches with $18 billion in assets under administration
.

If you’re passionate about making a difference and want to join a team that values collaboration, innovation, and purpose, join us on the journey.

Learn more:

Reporting to the VP, Credit, the Director, Commercial Credit is responsible for leading the Commercial Credit function, ensuring an enterprise-wide risk management philosophy towards the portfolio, and appropriate controls and monitoring are in place in accordance with the Credit Union’s risk appetite, Board approved policies, regulatory and internal guidelines. The incumbent manages the $3.4B commercial portfolio, providing leadership to the Commercial Credit team and leads results tied to our business objectives.

The incumbent will collaborate with the growth teams and operational leaders to seek ongoing efficiencies and process improvements to work towards Beem’s overall vision.

This role is open to hybrid working arrangements within British Columbia.

• Provide independent, objective review and adjudication of Commercial Credit applications within credit limits and makes recommendations and escalates as required.
• Lead approval decisions and recommendations in functional areas while ensuring lending practices meet corporate policies, guidelines, and regulatory requirements.
• Approve loans within delegated lending authorities up to $20MM.
• Adjudicate and structure highly complex lending files including large construction, land development, hospitality and operating companies while mitigating enterprise-wide risk.
• Address escalation of activity and determine resolutions and recommendations as appropriate and escalating items to the VP, Credit as needed.

• As an active member of the Leadership Team by contributing to the corporate strategy development, adding value from a Credit Risk perspective and maintaining an enterprise-wide view.
• Manages the effective management of the commercial credit portfolio, including setting targets, goals and performance expectations in line with Credit Union’s strategy.
• Builds a highly skilled, high performing and collaborative team, ensuring the team is prioritizing effectively, managing their stakeholders, and directly assisting in the achievement of business targets and goals.
• Develops and leads strategic business plans considering complex internal and external factors including emerging requirements and organizational interdependencies.
• Develops and communicates department strategies and objectives, ensuring understanding and alignment with business and teams.
• Develop and lead the Credit and Commercial Credit strategy by leading initiatives and improving efficiencies within the Commercial Credit team.
• Leads portfolio management and business acumen and provides technical leadership to answer key questions and discuss best practices.
• Ensures Commercial Credit activities are conducted within the approved budget.

• Provide overall Commercial Credit portfolio management including risk management and use of reporting and data to support decisions and recommendations.
• Oversees management of the commercial portfolio of the Credit Union, including ensuring cap compliance and ensuring portfolio risk tolerance, is in line with the risk appetite of the Board.
• Prepare reporting and development of narratives for senior leaders, MCC, Executives, Board and Regulatory bodies.
• Conducts review and analysis of data and reporting, supporting decisions and recommendation as it relates to…