Senior Business Credit Manager
Top Benefits
About the role
The Kindred team is at the heart of our cooperative, bringing our values to life everyday. In fact, they are woven into everything we do. More than financial professionals, we care deeply about our members, and our communities. With integrity, stewardship, and compassion, we help ensure every member’s experience feels welcoming and grounded in purpose. Whether offering thoughtful financial guidance or strengthening community connections, we strive to connect values and faith with finances, inspiring peaceful, just, and prosperous communities.
We are currently recruiting a Senior Business Credit Manager to fill a permanent vacancy o n our Credit Risk team. Reporting to the Director, Business Credit, in this role you will contribute to the effective management of Kindred’s business (commercial and agricultural) portfolio through credit adjudication and quality assurance throughout the lending process ensuring compliance to credit policies. This includes coaching and mentoring lenders serving Kindred’s business members to support effective credit structure, risk analysis, and member experience.
Key Responsibilities
- Analyzes and approves business credit requests within established limits
- Collaborates with lending staff on business credits that require Loan Committee approval
- Approves annual reviews on business accounts above branches’ approval limits, including conditions
- Assists when appropriate with the approval of loan extensions, amendments, release or substitution of security
- Assists with line of credit maintenance and any required margining
- Supports lending staff to ensure that overdraft policy is followed for all accounts
- Provides advice, coaching, and resources to build capabilities in the area of business lending
- Contributes to formal training as subject matter expert and influences credit underwriting excellence
- Forward thinking, sets out to improve policies, processes and tools to increase effectiveness and efficiency
- Is able to lead change including encouraging and supporting staff as improvements are suggested and implemented.
What To Bring You have progressive business credit experience, strong analytical skills and demonstrate sound judgement within allowable risk parameters. This is complimented by broad sector knowledge (preferably in Kindred's target market segments) and a strong service mindset that acts in the best interests of Kindred's membership while managing risk across the credit portfolio.
You will be part of a collaborative workplace where you can engage with our purpose, participate in the business and share your voice. You’ll be expected to continually grow your skills and abilities and to share your expertise and experience with team members.
Plus, You Bring Your Qualifications And Experience
- College/University graduate in a related program
- 6-8 years of progressive experience in business credit writing and adjudication
- Proven quality of credit analysis including completion of credits, accuracy and sound judgement in credit decisions
- Demonstrated success in coaching and mentoring others
Why Kindred We believe that your life is bigger than any job, so we’ll work together to achieve work-life quality and to care for your overall wellness. For many roles, we offer flexible and remote options that we can discuss with you . And of course, your total rewards package includes competitive cash compensation plus an array of wellness benefits and financial products and services at preferred rates for employees.
Our Comprehensive Total Rewards Package Includes
- Starting salary $80,000 - $100,000
- Performance based target incentives, tied to individual, team and organizational results
- Group benefits plan & wellness programs
- Group Savings Plan with employer matching
- Four weeks of vacation and generous paid time off provisions
- Career growth opportunities, training & development support
- Comprehensive staff benefits on financial products & services
When you choose Kindred to further your career, you’re joining an engaged workforce at a certified that is committed to using business as a force for good™ and acting as an advocate for a Living Wage.
RSVP Ready to choose Kindred? Visit us at www.kindredcu.com/careers to learn more about why people enjoy working with us. If this role sounds like a good fit, please apply.
At Kindred, we value genuine connection. We don’t use AI to screen applications—every resume is reviewed by a real person. If selected, you’ll hear from a Kindred team member by phone, and when possible, we prefer to meet candidates in person. If you choose to use AI to support your application materials, we encourage you to ensure your own voice and personality still come through. Kindred will acknowledge all applications received and advise all candidates when the position is filled.
As a team of people who, with compassion, integrity, and stewardship, care deeply about each other, our members, our communities, and our world, Kindred is committed to building an equitable, diverse, and inclusive workplace. Kindred’s values-centered and faith-inspired, warmly professional, expressly invitational characteristics compel us to be a place that understands, respects, and values, and treats equitably all people of every race, national or ethnic origin, colour, religion, age, sex, sexual orientation, gender identity or expression, marital status, family status, genetic characteristics, and disability.
About Kindred Credit Union
Kindred Credit Union (Kindred) is a member-owned financial cooperative based in Kitchener, Ontario. Kindred's values-centred approach is woven into everything we do and makes us the one-of-a-kind choice for people across Ontario who want to connect their values and faith with their finances. Kindred has eight full-service branches offering a complete range of banking, investing, and borrowing products and services. Kindred has been in the making for over 50 years and it all began when a group of Mennonites had a radical vision to see mutual aid put into faithful practice – extending access to financial services across our community. That vision is lived out today through our innovative and impactful products, services, and programs. Values Integrity, compassion, and stewardship are woven into everything we do. It's how we treat each other as staff, members, and in community. Commitment We believe values and faith are central to life, and financial decisions are not values neutral. We strive to provide staff an environment where their work has purpose and provide members with opportunities to bring meaning to their money. This is our commitment to each other and to our members. Purpose Cooperative banking that connects values and faith with finances, inspiring peaceful, just, and prosperous communities. Banking with Purpose So, what does ‘Banking with Purpose' mean? Although we're not a bank, the word ‘banking' makes it clear that this is what we do. It's the line of business we're in. ‘Purpose' means seeking after more than just an ordinary life: it means seeking to have an impact. Whether that purpose is faith-inspired or rooted in values, more and more people are seeking to have all aspects of their lives aligned with their beliefs – including their finances. For Kindred, our desire is that there is purpose in everything we do.
Senior Business Credit Manager
Top Benefits
About the role
The Kindred team is at the heart of our cooperative, bringing our values to life everyday. In fact, they are woven into everything we do. More than financial professionals, we care deeply about our members, and our communities. With integrity, stewardship, and compassion, we help ensure every member’s experience feels welcoming and grounded in purpose. Whether offering thoughtful financial guidance or strengthening community connections, we strive to connect values and faith with finances, inspiring peaceful, just, and prosperous communities.
We are currently recruiting a Senior Business Credit Manager to fill a permanent vacancy o n our Credit Risk team. Reporting to the Director, Business Credit, in this role you will contribute to the effective management of Kindred’s business (commercial and agricultural) portfolio through credit adjudication and quality assurance throughout the lending process ensuring compliance to credit policies. This includes coaching and mentoring lenders serving Kindred’s business members to support effective credit structure, risk analysis, and member experience.
Key Responsibilities
- Analyzes and approves business credit requests within established limits
- Collaborates with lending staff on business credits that require Loan Committee approval
- Approves annual reviews on business accounts above branches’ approval limits, including conditions
- Assists when appropriate with the approval of loan extensions, amendments, release or substitution of security
- Assists with line of credit maintenance and any required margining
- Supports lending staff to ensure that overdraft policy is followed for all accounts
- Provides advice, coaching, and resources to build capabilities in the area of business lending
- Contributes to formal training as subject matter expert and influences credit underwriting excellence
- Forward thinking, sets out to improve policies, processes and tools to increase effectiveness and efficiency
- Is able to lead change including encouraging and supporting staff as improvements are suggested and implemented.
What To Bring You have progressive business credit experience, strong analytical skills and demonstrate sound judgement within allowable risk parameters. This is complimented by broad sector knowledge (preferably in Kindred's target market segments) and a strong service mindset that acts in the best interests of Kindred's membership while managing risk across the credit portfolio.
You will be part of a collaborative workplace where you can engage with our purpose, participate in the business and share your voice. You’ll be expected to continually grow your skills and abilities and to share your expertise and experience with team members.
Plus, You Bring Your Qualifications And Experience
- College/University graduate in a related program
- 6-8 years of progressive experience in business credit writing and adjudication
- Proven quality of credit analysis including completion of credits, accuracy and sound judgement in credit decisions
- Demonstrated success in coaching and mentoring others
Why Kindred We believe that your life is bigger than any job, so we’ll work together to achieve work-life quality and to care for your overall wellness. For many roles, we offer flexible and remote options that we can discuss with you . And of course, your total rewards package includes competitive cash compensation plus an array of wellness benefits and financial products and services at preferred rates for employees.
Our Comprehensive Total Rewards Package Includes
- Starting salary $80,000 - $100,000
- Performance based target incentives, tied to individual, team and organizational results
- Group benefits plan & wellness programs
- Group Savings Plan with employer matching
- Four weeks of vacation and generous paid time off provisions
- Career growth opportunities, training & development support
- Comprehensive staff benefits on financial products & services
When you choose Kindred to further your career, you’re joining an engaged workforce at a certified that is committed to using business as a force for good™ and acting as an advocate for a Living Wage.
RSVP Ready to choose Kindred? Visit us at www.kindredcu.com/careers to learn more about why people enjoy working with us. If this role sounds like a good fit, please apply.
At Kindred, we value genuine connection. We don’t use AI to screen applications—every resume is reviewed by a real person. If selected, you’ll hear from a Kindred team member by phone, and when possible, we prefer to meet candidates in person. If you choose to use AI to support your application materials, we encourage you to ensure your own voice and personality still come through. Kindred will acknowledge all applications received and advise all candidates when the position is filled.
As a team of people who, with compassion, integrity, and stewardship, care deeply about each other, our members, our communities, and our world, Kindred is committed to building an equitable, diverse, and inclusive workplace. Kindred’s values-centered and faith-inspired, warmly professional, expressly invitational characteristics compel us to be a place that understands, respects, and values, and treats equitably all people of every race, national or ethnic origin, colour, religion, age, sex, sexual orientation, gender identity or expression, marital status, family status, genetic characteristics, and disability.
About Kindred Credit Union
Kindred Credit Union (Kindred) is a member-owned financial cooperative based in Kitchener, Ontario. Kindred's values-centred approach is woven into everything we do and makes us the one-of-a-kind choice for people across Ontario who want to connect their values and faith with their finances. Kindred has eight full-service branches offering a complete range of banking, investing, and borrowing products and services. Kindred has been in the making for over 50 years and it all began when a group of Mennonites had a radical vision to see mutual aid put into faithful practice – extending access to financial services across our community. That vision is lived out today through our innovative and impactful products, services, and programs. Values Integrity, compassion, and stewardship are woven into everything we do. It's how we treat each other as staff, members, and in community. Commitment We believe values and faith are central to life, and financial decisions are not values neutral. We strive to provide staff an environment where their work has purpose and provide members with opportunities to bring meaning to their money. This is our commitment to each other and to our members. Purpose Cooperative banking that connects values and faith with finances, inspiring peaceful, just, and prosperous communities. Banking with Purpose So, what does ‘Banking with Purpose' mean? Although we're not a bank, the word ‘banking' makes it clear that this is what we do. It's the line of business we're in. ‘Purpose' means seeking after more than just an ordinary life: it means seeking to have an impact. Whether that purpose is faith-inspired or rooted in values, more and more people are seeking to have all aspects of their lives aligned with their beliefs – including their finances. For Kindred, our desire is that there is purpose in everything we do.