Manager Commercial & Credit Operations

Bulkley Valley Credit Union•Smithers, BC

24d

About The Position

Bulkley Valley Credit Union, serving over 16,000 members from Hazelton to Burns Lake, prides itself on employing empowered staff committed to delivering high quality personalized service. This is an exciting opportunity for the right candidate to meet their career goals while balancing their lifestyle with the many amenities our community and the Bulkley Valley has to offer. If you want to join a dynamic management group dedicated to cooperative values and member service, this is the right career move for you. You will report directly to the Chief Operating Officer and, as a member of the management team, you will provide strategic leadership and operational oversight for the processes and frameworks that support retail and commercial lending activities, credit risk management, and collections. You will play a key part in shaping corporate strategies and policies, establishing both short and long‑term objectives, and developing programs that enhance the effectiveness of retail and commercial credit operations. You will oversee the commercial and retail credit portfolios, ensuring an appropriate balance between prudent risk management and sustainable portfolio growth. Core responsibilities include developing and implementing credit‑granting policies and procedures, supporting the creation of new lending products and services, preparing loan‑related reporting, and reviewing internal and external audit findings. You will lead centralized collection activities and ensure all credit and collection practices comply with legislation, regulations, and sound business standards. You will proactively identify emerging risks, ensure robust processes are in place to manage credit and delinquency risk, and exercise delegated lending approval authority. You will also cultivate relationships with community and commercial stakeholders to support business development and portfolio expansion. You will provide leadership, coaching, and direction to the commercial and collections teams, fostering a culture aligned with BVCU’s Enhanced Service Commitment. This includes promoting professional, efficient support to branches, maintaining strong internal relationships, and modeling high standards of service and professionalism. In the absence of the Manager, Member Experience, this role provides back‑up leadership support to ensure continuity of service and operations.

Requirements

minimum of a secondary school diploma plus 5-7 years of management experience in the financial services industry, preferably with a credit union is required
7-9 years of in-depth knowledge in the areas of retail and commercial lending
An individual with experience plus education and/or training may also be considered

Responsibilities

developing and implementing credit‑granting policies and procedures
supporting the creation of new lending products and services
preparing loan‑related reporting
reviewing internal and external audit findings
lead centralized collection activities and ensure all credit and collection practices comply with legislation, regulations, and sound business standards
proactively identify emerging risks
ensure robust processes are in place to manage credit and delinquency risk
exercise delegated lending approval authority
cultivate relationships with community and commercial stakeholders to support business development and portfolio expansion
provide leadership, coaching, and direction to the commercial and collections teams
fostering a culture aligned with BVCU’s Enhanced Service Commitment
promoting professional, efficient support to branches
maintaining strong internal relationships
modeling high standards of service and professionalism
provides back‑up leadership support to ensure continuity of service and operations