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

Credit Policy Administration

- 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.

Adjudication & Underwriting Standard
- 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.

Retail & Commercial Credit Oversight
- 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.

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 actively monitored and escalated appropriately.

- Recommend settlement, recovery or restructuring actions within delegated authority.

Credit Portfolio Performance
- Partner with Risk and executive leaders to ensure emerging credit risks are 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 transparent 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.

Credit Operations
- 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.

Leadership & Culture
- 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 accountability and succession planning.

- Model CSCU values and support the credit union’s purpose of uniting working people to build a just world.

- Build a cooperative, learning-focused and risk-aware credit culture.

REQUIRED SKILLS & ABILITIES:

This position will require the following technical skills:

- Strong knowledge of credit union lending policy, adjudication frameworks and delegated lending authorities.

- Advanced understanding of commercial credit, residential mortgage lending, retail lending and credit documentation standards.

- Strong credit analysis, portfolio monitoring, collections/special accounts and loss mitigation expertise.

- Ability to interpret portfolio data, identify emerging credit risks and make practical recommendations.

- Working knowledge of BC credit union regulation, audit expectations, privacy considerations and consumer protection requirements.

- Strong operational leadership, process improvement and cross-functional problem-solving skills.

This position will require the following behavioral skills:
- Demonstrates sound judgment,



balanced decision-making and accountability in complex credit matters.

- Communicates clearly and neutrally with executives, leaders, employees, auditors and external partners.

- Builds trust through consistency, integrity, fairness and professionalism.

- Leads through coaching, collaboration and clear expectations rather 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 with CSCU’s purpose and values.

EDUCATION & EXPERIENCE:

- Post-secondary education in business, finance, commerce, economics or a related discipline; equivalent experience may be considered.

- 10+ years of progressive lending, credit adjudication or credit leadership experience in a regulated financial institution.

- Significant demonstrated experience in both commercial and 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 is preferred.

- 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 benefits, including:

Work–Life Balance

- A 35-hour work week

- 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

- Paid volunteer hours

Financial Wellness
- 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

- Tuition reimbursement policy

- Exclusive discounts with Perkopolis

Health & Well-Being
- Comprehensive benefits package, including:

- $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

- Telemedicine access

- 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