What this role is all about:The Credit Solutions Manager provides expert credit structuring and underwriting support to the Commercial Banking team, ensuring strong portfolio performance and compliance with Beem's credit standards. This role focuses on analyzing complex credit requests, structuring solutions that meet member needs, organizational profitability needs, and organizational risk appetite, and mentoring associate underwriters. The Credit Solutions Manager plays a key role in driving Beem's growth and financial wellness objectives through digital-first processes and collaborative partnerships.
This is a hybrid role and will cover the Kamloops to Prince George region. What you'll do:Credit Structuring & Underwriting- Analyze financial statements, appraisals, and environmental reports to assess creditworthiness and risk.
- Structure and prepare commercial loan applications and memorandums in compliance with Beem's credit policies.
- Collaborate with Relationship Managers to jointly submit applications and ensure timely funding of approved loans.
- Recommend loan submissions based on Credit Union established policies and pricing.
Portfolio Management - Monitor portfolio quality, exposure limits, and security requirements to safeguard Beem's assets.
- Manage annual reviews and renewals for assigned portfolio, ensuring covenant compliance and risk mitigation.
- Assist in complicated credit structuring with Commercial Relationship Managers.
Compliance & Risk Oversight - Ensure adherence to regulatory requirements and Beem's risk management framework.
- Implement procedures to minimize loan and revenue loss through early identification of risks.
- Review appraiser and quantity surveyor progress reports and prepare construction draw recommendations.
Collaboration & Leadership - Mentor and coach Credit Solutions Associates, providing onboarding and credit training.
- Partner with internal teams to deliver seamless service and support business growth objectives.
- Maintain and develop a small portfolio of clients, ensuring exceptional service and relationship management.
What you'll bring:- Post-secondary education in financial accounting or related field required; Business undergraduate degree preferred.
- 4-5 years in financial services environment, with 2-3 years in commercial or business lending.
- Advanced knowledge of credit analysis, structuring, and risk assessment.
- Strong analytical skills and understanding of financial statements.
- Proficiency in MS Office Suite and financial analysis tools.
Your Total Rewards At Beem, we believe great work deserves great rewards. That's why we've built a Total Rewards package that's more than competitive-it's designed to help you shine. From your pay to your peace of mind, we've got your back.
Compensation Annual salary range: $92,200 to $115,200
Your pay reflects the skills, experience, and unique strengths you bring. We review salaries every year.
Performance and recognition Your success is Beem's success. We reward great performance through recognition and, where applicable, performance bonuses tied to shared goals.
Health and wellness We're invested in your well-being - Extended health coverage, including mental health support
- Dental care that keeps you smiling
- Disability coverage for peace of mind
Time away: Rest isn't extra-it's essential - Take the time you need to relax, explore, or just catch up on life, with vacation and personal days.
Retirement and financial well-being Your future self will thank you. - Generous RRSP contributions
- In-house financial advice to help you plan ahead
- Flexible options to add your own contributions
Beem member perks Little extras that make a big difference. - Free banking accounts
- Special mortgage and lending rates
- Preferred financial perks
The bottom line Your Total Rewards aren't just a package-they're a reflection of our values. We build together by celebrating success, own it by investing in your growth, and keep things welcoming by making sure you feel supported at work, at home, and wherever your journey takes you.
