Beem Credit Union: Banking for every journey
Beem is redefining what it means to be a credit union. With 80 years of cooperative history and a bold vision for the future, we’ve united to create a financial partner that offers both digital ease and people-first service.
Our mission is clear: financial wellness for all. We help British Columbians achieve their goals through personalized advice, innovative technology, and genuine human connection.
As one of BC’s largest credit unions, we serve over 200,000 members across 66 branches with $18 billion in assets under administration.
If you’re passionate about making a difference and want to join a team that values collaboration, innovation, and purpose, join us on the journey.
Learn more: www.beemcreditunion.ca (http://www.beemcreditunion.ca/)
What this role is all about:
The Manager Commercial Credit is accountable for overseeing and managing a portfolio of commercial and small business lending files. The incumbent will be responsible for the adjudication and evaluation of credit applications of members and monitoring of existing accounts and ensuring compliance with company policies and regulatory requirements. The incumbent collaborates with departments and commercial team to provide support and direction to ensure efficient and effective commercial credit operations in an ongoing effort to providing an overall positive member experience. The manager will work closely across multiple divisions and cross functional teams including sales teams, to support business growth and objectives while minimizing credit risk.
This role is open to hybrid/remote working arrangements within British Columbia.
What you’ll do:
Commercial Credit Application Review
- Reviews, analyzes and approves commercial credit applications within delegated lending limits and makes recommendations for approval to the appropriate parties as required.
- Provides advice and guidance on large, complex loans or other commercial credit issues, and provides technical direction as required.
- Ensures annual reviews are completed in accordance with Policy and follows-up with the Commercial team as needed.
- Negotiates commercial loans with Commercial team to ensure they provide a balance of risk and return.
- Monitors commercial out-of-orders, watch list, delinquency, and maturities to ensure the proper administration of the portfolio.
- Maintains up-to-date knowledge of the economy, the market and the Credit Union’s competition with particular attention to the commercial and retail real estate markets.
- Conducts post reviews and ensure feedback is provided and a response is given with amendments made to the file as necessary.
Policy and Process Improvement
- Assesses credit practices to ensure appropriate response to evolving needs. Recommends commercial credit policy and procedure improvements to support higher productivity and efficiency.
- Manages the credit process to meet quality and target turnaround timelines.
- Monitors processing and loan underwriting methods to ensure quality, delinquency control, overdrafts, policy and documentation requirements and requirements set out by regulators & auditors are satisfied.
- Coordinates the dissemination of loan policies and procedures; ensures employees follow loan underwriting policies and any policy deviations are corrected.
- Regularly updates the approved legal firm, appraisers, QS and Syndication lists.
- Oversees setup of employee access to relevant lending software and systems.
Internal Review, Reporting & Monitoring
- Reviews monthly audits and conducts random reviews of commercial credit files.
- Conducts regular reviews of lending limits, audit controls, lending caps and other risk management areas to ensure compliance
- Assists with resolving internal audit and BCFSA audit findings.
- Reviews and coordinates preparation of and verifies a variety of regular and ad-hoc reports.
- Regularly review and monitor the status of outstanding credit accounts to identify and address potential issues.
- Prepare and present detailed reports on credit activities and portfolio performance to senior management.
Collaboration & Stakeholder Engagement
- Maintains positive and mutually beneficial relationships with product and service vendors.
- Fosters positive relationships with internal partners to ensure smoothly implemented practices.
- Attends community events, educational seminars and builds a positive profile in the financial community.
- Collaborates with cross-functional teams, across the organization to ensure consistency and alignment with business and strategic objectives.
- Maintains strong collaborative relationships with external partners, agencies, and vendors to ensure the successful execution of initiatives.
- Partners with learning & development in development and delivery of commercial credit training programs.
What you'll bring:
- Completed post-secondary education in related field (i.e. Business Economics, Finance)
- 7-10 years of commercial lending, commercial portfolio management experience
- Previous experience with leadership accountability for the performance of commercial and small business loans.
- Strong analytical and financial analysis skills
- Proven experience in credit risk assessment, loan structuring, and portfolio management.
- Familiarity with regulatory requirements, audit processes, and credit union policies.
- Strong background in collaborating with cross-functional teams, including sales, underwriting, and compliance.
- Strong leadership, communication and negotiation skills.
- Equivalent combination of the above may be appropriate
Compensation
Annual salary range: $92,200 - $115,200
Your pay reflects the skills, experience, and unique strengths you bring. We review salaries every year.
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.
Your future self will thank you.
- 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.
- 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.
At Beem we are BOLD and Always Welcoming and our values are at the forefront of everything we do!
- Build Together: You are a team player who thrives on collaboration, sparks ideas, and fosters inclusivity.
- Own It: You are ready to take charge, drive change, and deliver outstanding results.
- Lead with Agility: You are a dynamic, adaptable thinker who thrives on challenge and innovation.
- Driven by Curiosity: You are eager to explore, learn, and shape the future.
Ready to join?
Visit us at www.beemcreditunion.ca (http://www.beemcreditunion.ca) to learn more about what it’s like to work for Beem Credit Union! We sincerely thank all applicants for their interest; however, only shortlisted candidates will be contacted for an interview.
We at Beem Credit Union are committed to ensuring inclusive employment practices and an accessible business environment for our employees. We do not discriminate based on any protected attribute covered by the Human Rights Code and encourage all qualified candidates to apply. We are committed to a fair and equitable hiring process for all candidates. All applications are reviewed by a member of our team.
Beem Credit Union serves communities across many traditional Territories and Treaty areas in British Columbia. We are grateful to live and work on this land and are committed to reconciliation, decolonization, and building strong, connected relationships.
