Credit Recovery Account Officer (9 Month Contract)Job Category:RiskRequisition Number:CREDI007274Posted:May 28, 2026 – Full‑Time – HybridLocationsSt.Catharines Corp OfficeSt Catharines, ON L2S 3W3, CANDescriptionCredit Recovery Account Officer is a collection focused role, responsible for minimizing monthly delinquencies and maximizing recoveries through a variety of collection techniques. You will be responsible for managing the collections and recovery activities for all 30+ day delinquent non‑mortgage secured retail credit facilities including loans, LOC's, VISA's, and retail unauthorized overdrafts and LOC's in excess of approved limits. This role also includes processing all third party demands and actioning of Insolvencies (Bankruptcies/Consumer Proposals/ Credit Counseling) issued to Meridian Credit Union.ResponsibilitiesExecute collection and recovery activities for all 30+ day delinquent non‑mortgage secured retail credit facilities within assigned authorities.Follow up on delinquent accounts, identify refinancing opportunities, and recommend strategies to reduce credit outstanding.Participate in CR‑assigned special projects.Navigate and collect on Meridian debts while adhering to FSRA, OSFI guidelines and internal policies.Provide summary and recommendation for write‑off approval requests.Collaborate with Branch Managers and Financial Service Associates on unsecured debt questions.Analyze delinquency trends, identify process gaps, and advise Senior Manager.Administer enforcement actions such as repossession, wage assignments, small claims court, writs, and garnishment.Maintain delinquency portfolio ratios, meet team targets for delinquency, loan losses, and fee income.Co‑train branch staff on early detection and resolution of delinquency issues.Maintain detailed notes and documents in C‑HUB/CRM and ensure Encore Credit Recovery field is updated.QualificationsKnowledge, Skills,



and AbilitiesExperience in risk management in financial services settings.Completion of post‑secondary education in finance is an asset.Advanced problem‑solving and negotiation abilities.Ability to handle high caseloads and manage multiple tasks and priorities.Work independently while maintaining discretion and confidentiality with sensitive information.Managing and resolving highly emotional situations, including decision‑making that may impact Members and their families.Knowledge of the Bankruptcy & Insolvency Act, Privacy Act, Personal Property Security Act, Caisse Populaire & Credit Union Act, and related laws.Working knowledge of the Ovation/Encore banking system and C‑HUB/CRM.Proficiency with Word, Excel, and Lending Manager.Collaborative team player with strong interpersonal skills.Attention to detail and ability to write clear collection notes.Understanding of financing options and retail lending security documentation.Willingness to learn and develop skills.Education, Designations, Training, and ExperienceWorking knowledge of Property Security Act, Caisse Populaire & Credit Union Act, Asset Acquisition, Bankruptcy & Insolvency Act, and Privacy Act.Experience in risk management function in a financial services environment.Completion of a post‑secondary education program in finance would be an asset.BenefitsWhat's in it for you?Inclusive and collaborative working environment that encourages creativity, curiosity, and celebrates success.Tools and technology needed to delight candidates and clients.Work with and learn from diverse industry leaders.Hybrid work arrangements with in‑person office time to collaborate, innovate and build relationships.Non‑typical corporate experience with opportunities to have fun.Salary and LocationSalary Range:CAD $46,400 to $69,600 annually.Office Location:75 Corporate Park Drive, St. Catharines. This is a hybrid work prospect.EEO StatementQualified applicants will receive consideration without regard to race, color, religion, sex, national origin, age, sexual orientation, gender identity, gender expression, or disability.#J-18808-Ljbffr

📌 Credit Recovery Account Officer (9 Month Contract) - C$46,400 - C$69,600 A Year (Winnipeg)
🏢 Meridian Credit Union
📍 Winnipeg