Vice President, Credit Operations & Adjudication

Community Savings Credit Union | Full time

Vice President, Credit Operations & Adjudication

We exist to unite working people to build a just world

Community Savings Credit Union is a member-owned financial cooperative with a long-standing commitment to people, communities, and positive social impact. For over 80 years, we've helped members achieve financial well-being while supporting initiatives that create stronger, more inclusive communities. Our team is united by a shared belief that business can be a force for good, and we are passionate about putting our Social Purpose into action every day.

Different perspectives, experiences, and backgrounds make us stronger. We welcome applications from people of all backgrounds and are committed to ensuring every candidate is treated fairly and respectfully throughout the recruitment process.

Community Savings Credit Union acknowledges the Indigenous Peoples on whose traditional territories we live and work.

The Vice President, Credit Operations & Adjudication reports to the CEO and provides oversight for retail, residential mortgage and commercial credit activities. The role supports prudent, consistent and member-focused lending practices while ensuring the credit union operates within approved policy, delegated authority, regulatory requirements and enterprise risk appetite and credit risk parameters.

• Administer and maintain approved lending policies, procedures, adjudication guidelines and delegated lending authorities.
• Identify policy gaps or emerging risk trends and recommend practical updates for Executive review and approval.
• Ensure lending decisions and documentation practices are consistent with approved policy and regulatory expectations.
• Anticipate and respond to evolving regulatory expectations and industry trends by driving continuous enhancement of lending policies, procedures, governance frameworks, and risk controls.
• Lead consistent, timely and well-documented adjudication practices across residential, consumer and commercial lending.
• Maintain underwriting standards, credit analysis expectations,exception controls and escalation practices.
• Provide senior credit guidance on complex or higher-risk lending matters within delegated authority.

• Provide oversight for retail, residential mortgage and commercial credit activities through the Director, Retail Credit & Operations and Director, Commercial Credit.
• Support alignment between lending growth, member service,portfolio quality and prudent credit risk management.
• Promote consistent credit coaching and learning across lending teams.

• Oversee collections, recovery and special accounts practices,including early intervention, workout strategies and loss mitigation.
• Ensure delinquency, arrears and impaired accounts are actively monitored and escalated appropriately.
• Recommend settlement, recovery or restructuring actions within delegated authority.
• P artner with Risk and executive leaders to ensure emerging credit risksare identified, assessed and escalated in line with the credit union’s risk appetite.
• Monitor credit portfolio performance, including delinquency trends, exceptions, concentrations, arrears, losses and emerging credit quality concerns.
• Prepare clear portfolio reporting and analysis for Executive review and support Board, Risk Committee, Audit Committee as required.
• Recommend operational or policy actions to improve portfolio quality, member outcomes and risk controls.

• Lead credit administration, documentation standards, quality assurance, workflow effectiveness and operational controls.
• Drive continuous improvement in credit processes, service levels,internal handoffs and system usage.
• Partner with Finance, Risk, Operations, Retail, Commercial and People & Culture to support responsible lending practices.

• Lead, coach and their teams, setting clear expectations for accountability, consistency and service quality.
• Build leadership capability within credit teams through clear expectations, coaching, performance…