Control and manage commercial delinquency on highly complex, sensitive, and/or large-impact memberships and accounts under the RR40/Watchlist portfolio

Support selected RR40 and RR50 files and collect commercial delinquency

Serve as a subject matter expert on Tru Cooperative Bank’s commercial portfolio

Coordinate and execute the commercial delinquency control program while ensuring compliance with credit policies and statutory and regulatory requirements

Manage complex commercial collections and RR40/50 situations, including restructured proposals, foreclosures, repossessions, and court action

Assess costs and resources required to maximize returns on properties held for resale

Act as collector for unique, highly complex, or sensitive delinquencies and the RR40s/Watchlist portfolio

Complete commercial write-off submissions, refer write-offs for senior leadership approval, assess future collection potential, and monitor written-off delinquencies

Provide expertise and guidance to branches, members, and departments across Tru

Initiate legal action under federal and provincial Recovery Laws and liaise with law firms representing Tru

Complete annual reviews of selected commercial accounts, RR40s, and RR50s

Monitor the portfolio to preserve Tru asset quality and identify terms and conditions

Identify credit risks in restructured accounts and develop recovery plans to mitigate them

Provide delinquent portfolio analysis to corporate credit

Analyze financial statements and identify potential issues or concerns

Work closely with the Director, corporate credit, and sales teams to identify early warning signs, address deficiencies, manage risk, and implement risk mitigation strategies

Requirements

7 years’ progressive experience in commercial credit and collections, including 3 years in a management role

Bachelor’s degree or a combination of education and experience





Experience with delinquency and collection practices, policies, procedures, and legal requirements

Experience with commercial underwriting

Experience with corporate credit analysis

Regulatory knowledge

Negotiation and risk management experience

Experience dealing with executive officers, boards, litigation lawyers, accountants, and appraisers

Robust verbal and written communication and interpersonal skills

Excellent decision-making skills with consideration of long-term implications to the member and organization

Sound knowledge of financial statement analysis and accounting policies/practices

Proficient knowledge of credit evaluation methods, tools, and techniques

Understanding of FICOM and OSFI regulatory requirements on credit issuance

Proficiency with computer software programs such as MS Office

Demonstrated adherence to policies and procedures and understanding of risk ownership

Successful candidates must complete employment verification, credit check, and criminal record check

Core Competencies
Demonstrates expertise in commercial credit and collections management, with a strong focus on delinquency control, regulatory compliance, and financial analysis. Proficient in risk management and negotiation, ensuring effective recovery strategies and asset quality preservation.

Highest-signal resume keywords

Commercial Credit Management

Delinquency Control

Financial Statement Analysis

Regulatory Compliance

Risk Management

ATS Optimization Keywords
Hard Skills

Commercial Underwriting

Credit Evaluation Methods

Collection Practices

Corporate Credit Analysis

Financial Analysis

Soft Skills

Strong Verbal Communication

Strong Written Communication

Interpersonal Skills

Decision-Making Skills

Negotiation Skills

Industry Keywords

FICOM

OSFI

Recovery Laws

Credit Policies

Delinquent Portfolio Analysis

Tools & Technologies

MS Office

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📌 Commercial Special Accounts Manager (British Columbia)
🏢 Jobtailor
📍 British Columbia