Community Savings Credit Union | Full time

Vice President, Credit Operations & Adjudication

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 ROLE:

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.

Core Outcomes:

- 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 practicesacross 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 lendingmatters within delegated authority.

Retail & Commercial Credit Oversight

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

Collections & Special Accounts

- Oversee collections,



recovery and special accounts practices,including early intervention, workout strategies and loss mitigation.
- Ensure delinquency, arrears and impaired accounts are activelymonitored and escalated appropriately.
- Recommend settlement, recovery or restructuring actions withindelegated authority.
- P artner with Risk and executive leaders to ensure emerging credit risksare identified, assessed and escalated in line with the credit union’s riskappetite.
- Monitor credit portfolio performance, including delinquencytrends, exceptions, concentrations, arrears, losses and emerging credit qualityconcerns.
- Prepare clear portfolio reporting and analysis for Executivereview and support Board, Risk Committee, Audit Committee as required.
- Recommend operational or policy actions to improve portfolioquality, member outcomes and risk controls.

Credit Operations

- Lead credit administration, documentation standards, qualityassurance, 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 andPeople & Culture to support responsible lending practices.

Leadership & Culture

- Lead, coach and their teams, setting clear expectations foraccountability, consistency and service quality.
- Build leadership capability within credit teams through clearexpectations, coaching, performance accountability and succession planning.
- Model CSCU values and support the credit union’s purpose ofuniting working people to build a just world.
- Build a collaborative, learning-focused and risk-aware creditculture.

REQUIRED SKILLS & ABILITIES:

This position will require the following technical skills:
- Strong knowledge of credit union lending policy, adjudicationframeworks and delegated lending authorities.
- Advanced understanding of commercial credit, residential mortgagelending, retail lending and credit documentation standards.
- Strong credit analysis, portfolio monitoring, collections/specialaccounts and loss mitigation expertise.
- Ability to interpret portfolio data, identify emerging creditrisks and make practical recommendations.
- Working knowledge of BC credit union regulation, auditexpectations, privacy considerations and consumer protection requirements.
- Strong operational leadership, process improvement andcross-functional problem-solving skills.





This position will require the following behavioral skills:
- Demonstrates sound judgment, balanced decision-making andaccountability in complex credit matters.
- Communicates clearly and neutrally with executives, leaders,employees, auditors and external partners.
- Builds trust through consistency, integrity, fairness andprofessionalism.
- Leads through coaching, collaboration and clear expectationsrather than unnecessary escalation.
- Maintains composure and objectivity when handling sensitive,higher-risk or time-sensitive credit matters.
- Supports a member-focused and risk-aware culture aligned withCSCU’s purpose and values.

EDUCATION & EXPERIENCE:

- Post-secondary education in business, finance,commerce, economics or a related discipline; equivalent experience may beconsidered.
- 10+ years of progressive lending, creditadjudication or credit leadership experience in a regulated financialinstitution.
- Significant demonstrated experience in both commercialand residential credit, underwriting standards and portfolio monitoring.
- Experience leading managers or senior professionals;experience leading through Directors is preferred.
- Experience with collections, special accounts,credit operations, policy administration and audit/regulatory reviews ispreferred.
- Credit union experience is strongly preferred.

COMPENSATION & PERKS:

At Community Savings Credit Union, we believe our team deserves to feel valued, supported, and rewarded both at work and beyond. That’s why we offer a competitive compensation package and industry-leading advantages, including:
- Up to 12 paid health days per year (with 50% of unused days paid out annually)
- Up to 6 weeks of paid vacation per year
- CSCU contributes a percentage of your salary to your RRSP — no matching or minimum required
- Staff mortgage and personal loan rates
- Up to $5,000 per year interest-free loan for home computer or fitness equipment
- Exclusive discounts with Perkopolis
- $2,000 annual mental health coverage plus iCBT (internet-based CBT)
- Unlimited RMT massages & physiotherapy (yes, unlimited!)
- $500 annual health care spending allowance
- $200 vision coverage every 12 months
- 100% basic dental, 75% major dental, and 50% orthodontics (up to $2,000 lifetime) for employees and dependents
- Out-of-country travel insurance
- Carepath support for employees and families in times of illness or health crises
- Family building, fertility drug coverage, and gender affirmation benefits
- “Wellbeats” on-demand fitness, nutrition, and mindfulness classes

Professional Growth

- Learning and development programs, including paid LinkedIn Learning membership

Peace of Mind

- 3x annual salary life insurance coverage

📌 Vice President, Credit Operations & Adjudication (Surrey)
🏢 Community Savings Credit Union
📍 Surrey