Credit Jobs in Manitoba (NOW HIRING)

ROLE OVERVIEW: 

Reporting to the Manager, Commercial Credit Solutions SMB or to the AVP, Large Business & Syndications, the Commercial Credit Adjudicator II is a senior individual contributor within ACU’s adjudication function and serves as technical authority on complex to moderately complex credit decisions. The role provides independent adjudication and expert decision making for moderate to high-risk, structurally complex commercial, agricultural, and syndicated exposures. Through the application of delegated authority and advanced professional judgment, the incumbent is responsible for structuring, approving and defending credit decisions that directly influence the portfolio quality and risk outcomes, and aligns with ACU’s risk appetite, while ensuring compliance with policy, regulatory, and audit requirements.  

As a recognized enterprise authority on credit structuring, covenant design, and credit risk mitigation, the role shapes and impacts adjudication quality and consistency across Commercial Credit Solutions. The incumbent leads through influence by guiding colleagues, strengthening credit practices, and influencing stakeholders across Sales, Finance and Credit Solutions to achieve sound, risk-informed decisions. 

This role supports Assiniboine Credit Union / Caisse Assiniboine’s commitment to rural and agricultural communities, francophone services, values-based banking, and ACU’s triple bottom line accountability to people, planet, and prosperity.

KEY ACCOUNTABILITIES: 

• Independently exercise delegated lending authority to make high-impact credit decisions on large, complex to moderately complex commercial, agricultural, and syndicated exposures. Applies expert judgement to structure and approve credit solutions that directly influence portfolio quality and risk outcomes ensuring alignment with ACU’s credit policy, risk appetite, and strategic priorities.
• Lead credit risk assessment by interpreting financial statements, cash flow, industry/market conditions, and collateral; determines and approves appropriate structure, covenants, and conditions to mitigate risk and protect portfolio quality.
• Authors clear, concise and defensible credit decisions and recommendations, articulating key risks, mitigants, and structured rationale; appropriately escalates higher-risk, policy-exception, or above-authority requests to support transparent and consistent decision-making.
• Apply advanced financial analysis and due diligence to assess complex credit exposures, ensuring completeness, accuracy, and integrity of information supporting decision outcomes.
• Drives file quality and decision velocity by communicating structured outcomes, conditions, and risk expectations to internal partners within established service standards.
• Drives consistent adjudication outcomes and risk quality across large business, agricultural, and syndicated portfolios, influencing portfolio performance and risk alignment across multiple teams.
• Builds organizational credit capability by elevating adjudication quality, strengthening structuring practices and improving consistency of judgement across teams.
• Influences senior stakeholders and management in Sales, Finance, Operations and Credit Solutions’ partners, to resolve credit concerns, strengthen credit submissions, and align on strong risk-informed member outcomes.
• Monitors exposures, identifying deterioration, concentration risk, and early warning indicators, and initiate timely risk mitigation action.
• Identifies emerging credit portfolio risks, policy gaps, recurring exceptions, and credit portfolio trends. Provides recommend actions to upper management to strengthen governance and consistency.
• Contributes to risk reporting and portfolio reviews, providing insights and management commentary to inform decision making.
• Ensures adjudication compliance with policies, procedures, workflow and regulatory controls strengthening adjudication effectiveness and organizational.
• Participates in strategic enhancements to credit policies, procedures, tools, and workflow controls to improve decision quality, consistency, and efficiency.
• Supports accurate and timely completion of Commercial Credit Solutions reporting requirements.
• Collaborates across Credit Solutions and Business Advisory to deliver cohesive, member-focused outcomes aligned to risk appetite, service standards, and adjudication practices.
• Decision making member of credit risk committee to evaluate, debate and decision high-value, complex credit applications that exceed individual risk limits ensuring alignment with ACU’s risk appetite.

QUALIFICATIONS: 

Education & Experience 

• Post-secondary degree in Business, Finance, Accounting, or related field (or equivalent combination of education and experience). CFA, CPA or CIC designations are considered a strong asset.
• 7+ years’ progressive experience in commercial/agricultural credit lending (or 3+ years in commercial adjudication) in a regulated financial institution, including independent decisioning of high-value large, complex, syndicated exposures ($ 8MM+) and advanced structuring that requires independent judgment and strong risk governance.
• Proven track record of sign-off authority and proper management of individual lending limits is considered an asset.
• Proven track record of decision making in credit committee is considered an asset.

Key Occupational Skills 

• Expert-level commercial/agricultural credit analysis and adjudication, including high-value transactions, complex entity structures and advanced risk mitigation strategies.
• Advance knowledge or commercial/agricultural loan and deposit products, commercial lending legislation, commercial law principles and regulatory frameworks.
• Expert knowledge of financial statement and cash flow analysis, commercial/agricultural lending principles, and enterprise risk frameworks.
• Proven experience adjudicating or leading and managing syndicated lending transactions in a regulated financial institution.
• Comprehensive knowledge of credit policy and regulatory frameworks, internal controls, and audit requirements.
• Strong negotiation and communication with ability to engage, collaborate and influence senior internal and external stakeholders; ability to provide constructive challenges, create alignment with internal partners and substantiate and defend credit decisions.
• Demonstrated senior-level judgment in identifying key risks and problem-solving, delivering timely and well-documented decision on high-value files.
• Proficiency in Microsoft Word and Excel produce clear, professional documentation to audit and regulatory standards
• Proven ability to coach, mentor, and build credit capability in junior and intermediate adjudicators, sales management team and senior/corporate account managers.

LOCATION AND WORK ENVIRONMENT 

Located at our office in Winnipeg or Brandon with potential for remote or hybrid work arrangement.

Who we are:   

As a Certified B Corporation® and one of Manitoba’s Top Employers (2025), the culture of Assiniboine Credit Union is supportive of the individual while focused on the greater community.  You’ll be motivated by shared values and encouraged to always think about how, through financial sustainability, we can do more for our members, our employees and our community.   

Choosing to work at Assiniboine Credit Union/ Caisse Assiniboine means that you’ll be working for an organization that…   

• puts people, planet and prosperity first,
• values diversity and inclusion,
• is focused on social and environmental responsibility,
• supports employees through training programs and long-term career development,
• offers a competitive total compensation program which includes bonuses, a matched pension program, and health and dental benefits. 

If doing things differently and doing more is part of who you are, join us on a rewarding journey where your personal aspirations and career goals can align.
If you are interested in applying for this position, please submit your resume and cover letter by Friday, September 4, 2025 at 4:00 pm CST. We thank everyone who applies but only candidates selected for an interview will be contacted.
We are committed to workforce diversity and actively recruit people with diverse backgrounds, experiences, and perspectives reflecting the community in which we live and work. Applicants may request reasonable accommodation related to the materials and activities used throughout the selection process.

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