Reports to: Manager, Residential Credit Risk

Are you a community-minded person that’s passionate about investing locally and giving back to your community? Do you like working with other awesome and like-minded people toward a common goal?

Here at YNCU, we are all about putting our money where our mouth is and keeping our dollars local and investing back into our members, staff, and community; and we are looking for people like you to join our team.

The Role
The Retail Credit Adjudicator will review, recommend and approve complex personal and mortgage applications. They will assess the inherent risks, while respecting organizational policies and recommend exceptions to credit principles, rules and guidelines. They will develop a strong relationship with the branch teams, corporate teams and service partners by providing ongoing coaching to ensure optimal member satisfaction. The Retail Credit Adjudicator will assist in the development and implementation of business plans, initiatives, and programs to grow and develop the business membership base with a specific focus on personal lending. They will act as the leader within YNCU for identifying and implementing enhanced processes to grow the retail lending asset base.

• Effectively communicate & reinforce YNCU’s vision, organizational values and the direction of Credit Adjudication Effectively communicate & reinforce YNCU’s vision, organizational values and the direction of Credit Adjudication
• Provide leadership to achieve superior member and colleague experience, by providing the right decision the first time
• Adhere to established risk policy, utilizing sound judgement and detailed analysis in the review of credit submissions to manage risk to YNCU and the member
• Recommend/approve exceptions to credit rules and guidelines within your mandated authorities
• Apply your skills to impact the retail teams through quality and constructive feedback
• Promote sound credit judgment and adherence to policy and procedures
• Participate in the development and implementation of programs to drive personal credit growth
• Identify innovation that will improve the efficiency and effectiveness of the organization.
• Work closely with the retail team in developing mutually beneficial member centric solutions
• Stay current with general economic indicators and industry sector trends
• Exhibit leadership by providing support and assistance to the Risk Team and operating as an effective team member
• Identify business sectors with strong growth potential, or conversely deteriorating patterns, to ensure the portfolio is proactively managed to maintain a high level of quality
• Maintain a strong knowledge of policies and procedures as they pertain to the operations of Lending Services
• Conduct credit analysis and complete due diligence and investigation of new lending opportunities within the guidelines outlined in policy and procedure
• Provide excellent client service to internal and external parties
• Abide by YNCU policies, procedures, standards, guidelines and practice
• Work safely in accordance with YNCU's Health & Safety Policy, procedures and the
• Occupational Health and Safety Act as amended from time to time
• Other duties as assigned

What we are looking for:

• Post-secondary diploma, degree and/or certification in Business Administration, Economics, Finance, Commerce, Real Estate or a related program, or an equivalent combination of education and experience

• 2+ years’ experience in adjudicating credit products, including loans and mortgages

• Expert knowledge and understanding of Personal lending guidelines and policy

• Understanding of the credit union system, values-based banking, and member-centric service models.

• Proven analytical and problem-solving skills

• Ability to adapt to a changing environment

• Working knowledge of general banking, sound management principles, best practices and retail banking industry trends and conditions

• Knowledge of DNA banking system and Doxim LOS is an asset but not required

• Must have a valid Ontario driver's license and reliable available vehicle

• Must be bondable

• Effective understanding and use of Microsoft Office (Outlook, Excel, Word, PowerPoint)

• Strong planning, organizational and time management skills

• Positive, confident, supportive and engaging interpersonal skills

• Demonstrated solid reasoning and judgment skills in decision making

• Ability to build relationships with employees by acting as a role model, providing leadership, a positive environment and regularly coaching staff through quality and constructive feedback

• Ability to build trust with others, remain open to ideas and be supportive

• Superior service ability

• Demonstrated exceptional analytical skills

• Self-motivated and resourceful

• Ability to work collaboratively as a team member and actively contribute to team successes across YNCU

• Keen business sense with the ability to find creative business-oriented solutions to problems

• Ability to embrace and manage change

• Ability to maintain confidentiality of sensitive and proprietary information

Why work at YNCU?

YNCU employees get to be a part of the growing credit union movement and help us get the word out on why banking locally is so important. We’re your friendly, helpful, and financially savvy neighbour who provides tailored financial services to our members, supports small businesses, creates local jobs, and gives back to causes that matter. Through our Good Neighbours Employee Volunteer Program and Monthly Staff Donation Draws, we even let you choose the causes we donate to and support.

• B Corp Certified
• Certified Ontario Living Wage Employer
• Southwestern Ontario Top Employers (2025)
• Waterloo Area's Top Employers (2025)
• Canada's Healthy Workplace Month Great Employer Award (2024)
• Flexible work arrangements once fully oriented
• Competitive Compensation, Incentive Programs and Benefits
• 37.5-hour work week
• 7% matching pension
• Benefits are 100% paid for by YNCU
• Wellness Initiatives including our Employee and Family Assistance Program, premium membership for Calm, Consult+, and LIFT Virtual Fitness
• Learning and Development Opportunities
• Paid Volunteer opportunities
• Fun and meaningful Employee Resource Groups
• Free bank account and discount rates for Employees

Join YNCU and be part of a team that’s making a real impact. Where your work supports local businesses, strengthens communities, and helps members thrive. If you’re looking for a meaningful career with a company that values people, purpose, and progress, we’d love to hear from you!
YNCU strives to be a diverse workplace reflective of the communities that we live in. We are committed to a diverse workforce and invite everyone to apply. YNCU makes hiring decisions solely on qualifications, merit, and business needs at the time.

YNCU is an equal opportunity employer that is committed to diversity and inclusion in the workplace. We prohibit discrimination and harassment of any kind based on race, colour, sex, gender, religion, sexual orientation, national origin, disability, pregnancy, or any other protected characteristic as outlined by national, provincial, or municipal laws. This applies to all employment practices within our organization, including hiring, recruiting, promotion, termination, leave of absence, compensation, benefits, and training.

Your Neighbourhood Credit Union will provide accommodations for persons with disabilities, where needed, to support their participation in our recruitment process. Please contact Human Resources at careers@yncu.com

Job Types: Full-time, Permanent

Pay: $75,000.00-$80,000.00 per year

Benefits:

• Casual dress
• Company events
• Company pension
• Dental care
• Disability insurance
• Employee assistance program
• Extended health care
• Flexible schedule
• Life insurance
• On-site parking
• Paid time off
• RRSP match
• Tuition reimbursement
• Vision care
• Wellness program
• Work from home

Schedule:

• Monday to Friday

Work Location: Hybrid remote in Kitchener, ON N2P 2N4