Senior Manager, Credit – Commercial and Retail Adjudication Leader Primary Purpose The Senior Manager credit provides leadership, oversight and coordination of business and retail lending within a financial institution. This leader translates business strategies into goals, objectives, and processes to effect sound and prudent credit decisions for the organizations.
This business unit leader is responsible for the credit function including retail and business credit adjudication, overseeing the provision of exemplary customer service, providing for engagement of employees, managing the operations to be effective and effective, taking action to mitigate current and emerging risk, and contributing to the operational and financial health of the organization as a whole but with a particular focus on credit risk.
The Senior Manager, Credit is to conduct their duties while demonstrating positive leadership and exemplary ethics within the organization. The Senior Manager, Credit is to inspire and produce results in the best interest of the organization.
The Senior Manager credit will be required to function in an adjudicative capacity and is required to evaluate and decide whether to approve or deny credit or loan applications. They act as a financial judge, assessing risk, reviewing credit history, and ensuring the lending decision aligns with corporate policies and regulatory standards.
They will have expert knowledge of credit adjudication and operational best practices including experience evaluating and drafting policy and procedures is preferred.
The credit adjudication process managed by the Senior Manager, Credit will rely on key responsibilities:



Evaluating the five Cs of credit; Delegating lending authority; Policy compliance; Risk Mitigations.
Key Responsibilities Credit Risk Oversight Oversee and report on credit decisions
Monitor credit risk parameters for the portfolio as a whole to ensure that the credit portfolio remains within the organizations risk appetite and risk tolerances outlined in governing and managing policies.
Provide independent, objective review and adjudication of credit applications within credit limits and make recommendations and elevate as required.
Implement processes to manage and mitigate risk as required.
Credit Products and Portfolios Contribute to processes for retail and business credit products and services to achieve exemplary customer service.
Oversee pricing of products to appropriately reflect risk and achieve satisfactory portfolio financial returns.
Collaborate with Finance on competitive pricing situations.
Maintain knowledge of credit markets with regards to services, products, rates, and fees.
Maintain knowledge of current market activity locally and nationally in order to identify opportunities for the company.
Credit Administration Lead the business lending adjudication, retail lending adjudication, and special accounts functions.
Ensure the business units function effectively and attain stated objectives.




Establish and implement department budgets that support the corporate goals.
Key Requirements Interpersonal/Communication Builds and sustains effective working relationships with staff, customers, and communities
Communicates clearly and concisely
Strong written English communication skills
Leadership Recognition of and respect for people’s diversity and individual differences
Strong problem-solving abilities
Demonstrable effective decision making
Working in Teams Work collaboratively to accomplish common goals
Lead team development and identification of team roles, responsibilities and goals
Lead project teams and ensure collaborative relationships
Innovation/Creativity Finding and communicating new ideas for old problems
Strategic Thinking and Planning Ability to relate actions to the strategic plans of the organization
Recognition of global implications
Core Occupational Skills Sales skills
Team Leadership skills
Human resource policy and procedure development, implementation, interpretation
Planning/forecasting/budgeting
Education and Experience University degree is required
Minimum of 10 years of experience in a financial services environment
Minimum of four years of management experience in credit
Or an equivalent combination of education and experience.
Expert knowledge of business and retail credit is required.
Expert knowledge of BC regulatory requirements related to credit is required.
Expert knowledge of credit adjudication and operational best practices
Experience evaluating and drafting policy and procedures is preferred.

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📌 Senior Manager, Credit, Risk, Adjudication (British Columbia)
🏢 Gail Pearce Recruiting
📍 British Columbia