Commercial Credit Adjudicator

Reports to: VP, Commercial Risk
Salary Range: $90,000 - $95,000

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
As a Commercial Credit Adjudicator within our credit union, you will play a key role in supporting responsible credit decisions for our commercial and small business members. This position is responsible for independently assessing and approving commercial credit applications within delegated authority, ensuring alignment with the credit union’s policies, procedures,  guidelines, risk appetite and cooperative values. Your judgment and financial expertise will support the growth of healthy, sustainable business lending relationships.

• Adjudicate commercial credit applications, including new loans, annual reviews, and amendments, within assigned approval limits.
• Conduct thorough analysis of financial statements, cash flow, collateral, credit history, and business risk factors.
• Evaluate loan structures and provide recommendations to enhance risk mitigation while supporting member requirements and success.
• Communicate credit decisions clearly and constructively to commercial account managers and other internal stakeholders.
• Ensure compliance with internal credit policies, guidelines, procedures, regulatory requirements and cooperative principles.
• Identify and escalate complex or high-risk applications for further review or approval as required.
• Participate in periodic credit reviews, risk rating assessments, and portfolio monitoring activities.
• Contribute to ongoing improvements in adjudication practices and credit policy/guideline development.
• Provide guidance and support to frontline staff on credit structuring and policy interpretation.
• Maintain accurate documentation and rationale for all credit decisions.
• Stay current with general economic indicators, industry trends/market conditions and apply these knowledges to assess overall credit risk.

What we are looking for:

•  Post-secondary education in finance, accounting, business, or a related field.
• Post-graduate degree or other related designation (CFA, FRM, CA etc.) considered an asset.
• Knowledge and experience of syndications in Canada and Ontario is highly desirable.
• Minimum 3–5 years of experience in commercial lending, adjudication, or credit risk analysis—experience within a credit union or cooperative financial institution is preferred.
• Strong knowledge of commercial credit principles, financial statement analysis, and risk assessment techniques.
• Understanding of the credit union system, values-based banking, and member-centric service models.
• Working knowledge of general banking, sound management principles, best practices and retail banking industry trends and conditions
• Excellent analytical, problem-solving, and decision-making skills.
• Strong communication skills with the ability to convey decisions in a clear, respectful, and constructive manner.
• Proficiency with financial analysis tools and loan adjudication systems.
• 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 regular coaching staff through quality and constructive feedback.
• Ability to build trust with others, remain open to ideas and be supportive
• Superior service ability
• 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, premiummembership 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