Location

This position may be based out of any Cascadia Credit Union branch location.

Job Purpose The Director of Commercial Services (DCS) provides direction and leadership to the team of organizational goals through coaching, direction and guidance in all operational and technical areas of commercial lending, as well as Cascadia Credit Union’s (CCU) suite of deposit products and services. As part of this leadership role, the DCS supports employee skill development through coaching & training to enhance recognition of business opportunities by understanding member needs and their goals, and matching them with the appropriate product or service or by referring them to the appropriate area to fulfill the need(s), acts as the commercial lending adjudicator for subordinates, prepares submission(s) to regulators as required, and monitors business loan portfolio and lending activities and initiates action to improve performance and mitigate risk.

The Director of Commercial Services (DCS) plays an integral role on the CCU’s sales & service team by having a positive and adaptable approach with solid relationship building and leadership skills that lead to successful and effective relationships both within the organization and externally with members. CCU has carved out a niche in commercial lending by providing exceptional turnaround times and responsiveness. This position is expected to contribute to and support growth and service excellence, as well as contribute to the CCU brand in the region as a well-respected leader of financial solutions.

Key Duties & Responsibilities

- Manages the overall commercial loan portfolio to ensure diversification, quality, rates and fees
- Responsible for the implementation of new or revised commercial operational policies, procedures and practices,
- Responsible for the growth and management of the overall commercial loan portfolio while maintaining acceptable risk levels and meeting ongoing audit standards and requirements,
- Mentors, coaches and directs the Commercial Services team for all commercial related activities including service expectations and adherence to policies, procedures, guidelines, regulations and legislation,
- Conducts underwriting/adjudication on commercial credit applications in excess of lenders discretionary limits and within their own limits, and makes recommendations for applications outside of their limits, through sound and consistent analysis and underwriting practices,




- Creates business development opportunities by actively promoting CCU,
- Maintains up to date and in-depth level of knowledge of lending policies and practices and CCU’s suite of products, and services,
- Assists in the creation of business plans (objectives, strategies and tactics) for commercial services and is responsible for overseeing the implementation of the initiatives,
- Supports and participates in corporate marketing and business development initiatives,
- Builds strong relationships with both internal and external key clients and stakeholders to encourage referrals, share best practices, enhance product knowledge as well as capitalize on business opportunities and drive business growth and retention,
- Assists in the preparation and recommends budget objectives, along with monitoring and coordinating activities to achieve strategic, operational, and annual budget objectives,
- Keeps current knowledge of changing rules and regulations pertaining to relevant legislation requirements, and follows Investment and Lending Policy and Commercial Lending Manual Procedures,
- Positively and comfortably responds to member requests and inquiries, and deals with contentious member issues respectfully within regulated timelines,
- Support staff and encourage collaboration to accomplish common goals,
- Takes necessary action on issues or concerns arising from internal / external reviews and audits,
- Ensures all documentation pertaining to investments and accounts is prepared and/or executed in accordance with established policies, procedures and relevant legislation,
- Prepares necessary reports and information to assist in analyzing overall performance of the commercial lending and services department, and in conjunction with the credit unions enterprise risk management program, assists in the implementation of compliance and risk management procedures.
- Performs additional responsibilities aligned with organizational goals as assigned.

Skills & Attributes

- Passion for delivering exceptional member/client service and dedicated to building strong relationships and connections in the region,




- Committed to professional growth and development; responsible for ensuring skills and knowledge are up to date to meet industry and position requirements,
- Instills confidence and trust in others through thoughtful, clear and open communication,
- Possesses strong background in accounting principles knowledge & financial analysis skills to better assess and understand the needs of the member, including budget design and control, asset liability management, risk analysis, bookkeeping, accounts payable and receivable, loan structuring, liquidity management and financial reporting,
- Demonstrates strong interpersonal skills and the ability to communicate effectively both verbally and in writing,
- Ability to quickly adapt to changing priorities and a willingness to tackle recent challenges,
- Display strong awareness of policies, procedures and practices as they relate to a lending environment to ensure requirements are met and improved as identified,
- Demonstrate strong attention to detail and accuracy in completing work and providing information,
- Take a proactive and respectful approach in addressing problems, issues or conflict with a positive view to reaching new and better solutions,
- Organizes work and assignment of tasks to maximize efficiency, clearly communicate expectations, roles and responsibilities,
- Demonstrates sound computer skills, including MS Windows and Office program environments, as well as the banking system,
- Advanced knowledge, understanding, and ability to deal with all of Cascadia Credit Union’s Commercial lending products and full suite of products & services, and insurance products.

Qualifications

- Minimum six (6) years’ experience lending, with exposure to commercial and/ or real estate lending
- Business Administration Diploma in Accounting or Finance preferred;[JG1] [GS2]
- Successful completion of in-house training and relevant CCUA courses
- Maintain proficiency with developing systems, applications and productivity programs
- Combined experience and post-secondary education in the areas that are directly related to industry will be considered

Pay: $95,419.97-$127,226.63 per year

Benefits

- Company events
- Dental care
- Disability insurance
- Employee assistance program
- Extended health care
- Life insurance
- In office parking
- Paid time off
- RRSP match
- Vision care
- Wellness program

Work Location: In person

📌 Director, Commercial Services (Summerland)
🏢 Cascadia Credit Union
📍 Summerland