Job Title

We invite you to lead a team where you can feel good about the work you do and the positive impact you will have in the communities we serve in the Shuswap region. We believe in fostering a work environment that is the perfect blend of friendliness, support, and professionalism, not to mention fun! Role Overview As the Director, Credit , you will provide strategic leadership on all credit-related matters, including adjudication, concentration risk management, portfolio monitoring, and policy compliance. You will oversee credit approval, administration, and review processes, ensuring loan decisions support portfolio quality, profitability, and sustainable growth. The role also involves evaluating and approving SASCUs most complex credit applications, balancing risk management with business objectives. Responsibilities Provide strategic oversight of SASCUs credit activities, advising the executive on corporate strategies and contributing to policy and program development. Ensure credit and collections administration aligns with risk appetite, regulations, and policies, addressing deficiencies and implementing preventative measures. Monitor the performance of lending and collections portfolios, analyzing emerging credit risks and stress testing scenarios, and reporting to the Associate Vice President, Risk & Credit. Oversee credit risk by reviewing applications, managing approvals within limits, and mitigating potential losses from delinquency and overdrafts. Ensure adherence to underwriting policies, regulatory requirements, and risk tolerance thresholds while monitoring loan portfolio performance and credit quality deterioration. Provide subject matter expertise as a voting member of the Asset-Liability Committee (ALCO) and the Management Credit Committee. Oversee the credit adjudication and collections department, including structure, staffing, and resource allocation. Drive performance management, talent development, and succession planning. Ensure staff receive required training on personal and commercial credit, coaching and supporting direct reports. Build internal and external relationships to support credit operations and business growth. Qualifications Bachelors degree in Finance, Business Administration, or a related field. 8-9 years of progressive experience in retail and commercial banking, with a minimum of 8 years in complex lending, adjudication, and collections. Ability to manage, coach, motivate, and develop employees to ensure high productivity. In-depth understanding of credit adjudication principles, policies, and practices; proven responsible adjudication record. Advanced knowledge of retail and commercial lending products, services, regulatory requirements, and revenue streams. Ideal Candidate Traits Strong problem-solving skills, capable of managing complexity and multiple priorities. Confidence in decision-making, aligned with SASCU values and strategic goals. Excellent verbal and written communication skills. Ability to foster a trustful and collaborative environment. Effective time management, prioritization, and delegation skills. Awareness of the external economic environment. Benefits We offer a competitive salary ($136,800 $171,000), incentive pay, a pension plan with matching, comprehensive benefits, flexible work arrangements, career growth opportunities, and additional perks like reduced banking fees. Our Commitment SASCU is an equal opportunity employer promoting diversity and inclusion, committed to hiring based on qualifications and fostering an inclusive environment where employees can share their perspectives. About SASCU Established in 1946, SASCU offers a broad range of financial services with branches in Sicamous, Sorrento, and Salmon Arm. With over 20,000 members and assets exceeding $1 billion, we are a community-focused organization. #J-18808-Ljbffr