Adjudicator, Consumer Credit (6 Month Contract)

Job Category: Risk

Requisition Number: ADJUD007789

- Posted : November 3, 2026
- Full time
- Hybrid

Locations

Showing 1 location

Toronto Corporate Office
Etobicoke, ON M8X 2X3, CAN

At Meridian our aspiration is to integrate our purpose into everything we do for people, the planet, and communities. We believe that our greatest opportunity is to create opportunity and meet people where they are.

Factor us into your next career opportunity. We want you to grow with us and have an experience that’s different. This is a place where you can expect the unexpected.

Consumer Credit is part of Meridian’s Risk Management function and provides credit adjudication and coaching across retail lending channels. The Adjudicator, Consumer Credit is responsible for the timely analysis and adjudication of consumer credit requests, applying sound and consistent underwriting judgment, Risk Based Lending principles, applicable policy, delegated lending authority and Meridian’s Risk Appetite framework. The role provides clear credit direction and coaching to channel partners while maintaining appropriate due diligence, documentation and credit quality.

As an Adjudicator, Consumer Credit, you will provide exceptional service to all Retail lending channels (Branch/Digital, MMS, Broker) through prompt analysis, approval and/or direction for all credit applications originated and submitted.

Key Responsibilities

- Analyze and adjudicate consumer credit applications across applicable product types and channels, exercising sound and consistent retail underwriting judgment and Risk Based Lending principles.




- Approve applications within assigned delegated lending authority and elevate requests that exceed approved authority limits in accordance with the Corporate Retail Lending Authority hierarchy.
- Assess borrower attributes, income confirmation, debt service, loan-to-value, down payment, product suitability and risk, high-ratio requirements, property risk, appraisals, supporting documentation, potential misrepresentation, conditions and commitments.
- Perform appropriate due diligence on confirmations, appraisals and supporting documentation, ensuring credit decisions and requirements are clearly documented.
- Interpret and apply Consumer Credit policies and processes, including the Personal Lending Manual, and identify or appropriately elevate policy exceptions.
- Provide timely, accurate and professional communication regarding adjudication decisions, conditions and credit direction to Retail, Digital, Mortgage Broker and other applicable partners.
- Provide credit coaching to Retail partners and support knowledge sharing with peers to strengthen lending judgment and consistency.
- Manage fluctuating application volumes and priorities while supporting established service-level expectations and maintaining credit quality.
- Remain current on lending practices, high-ratio insurer guidelines, regulatory and legislative requirements relevant to lending, and industry trends related to misrepresentation and credit risk.




- Support broader Retail Credit initiatives and collaborate with Credit Recovery on workout situations as required.
- Participate in employee engagement, team learning and knowledge-sharing activities, and complete required compliance and professional-development learning.
- Adhere to Consumer Credit policies and processes and contribute to efficient application throughput aligned with Meridian’s Risk Appetite framework.

Knowledge, Skills and Abilities

- Strong analytical ability, attention to detail and sound credit judgment.
- Ability to apply tact, objectivity and judgment when evaluating credit and communicating decisions.
- Strong written and verbal communication skills, including the ability to provide clear, logical credit rationale and recommendations.
- Ability to work collaboratively with channel partners and peers while balancing Member needs, prudent lending and risk requirements.
- Ability to work with limited supervision in a quick-paced environment and manage competing priorities and tight timelines.
- Ability to manage conflict professionally and constructively.
- In-depth working knowledge of consumer and mortgage lending practices, Risk Based Lending principles and high-ratio insurer underwriting guidelines.
- Working knowledge of regulatory and legislative requirements applicable to consumer lending and the ability to interpret internal lending policies.
- Knowledge of business financial statements and analysis of business income.
- Comfort learning and adopting new digital tools, with an openness to using AI‑enabled technology to enhance productivity, accuracy, and the Member experie

📌 Adjudicator, Consumer Credit (St. Catharines)
🏢 Meridian Credit Union
📍 St. Catharines