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At Coast Capital, we’re not dreaming about a better future, we’re building one.

As a member-owned cooperative, we’re helping our members with their real goals and real challenges so they can live the real life they want. It’s what we’ve been doing for over 80 years, and it’s why today we stand almost 600,000 members strong. Plus, we invest 10% of our budgeted profits back into our community – almost $90 million since 2000 alone – because when our members do well, we believe our communities should do well too.  

Director, Credit - Auto Equipment & Finance

Title: Director, Credit - Auto Equipment & Finance 

Company: Coast Capital Savings Auto Equipment Financing

Location: BC, AB or ON

Job Type: Full Time 

myWork Options: In-person, Remote, Hybrid


Coast Capital – Building Better Futures Together


What’s the job?

The Director, Credit – Auto Equipment Finance (AEF) assures safe and sound lending and prudent risk management in Coast Capital Savings Auto & Equipment Finance's (AEF) lending activities. The Director develops, enhances and implements effective credit risk management practices and frameworks including governance, policy, procedures and reporting to identify, measure, monitor and manage credit risk and to support sustainable growth within established risk appetite. The incumbent maintains a strategic view of the loan portfolio, ensuring that the overall risk is diversified and within Coast Capital and Auto Equipment Finance risk tolerance levels. The Director leads and develops a team of credit adjudicators to manage asset quality in line with risk appetite.


What you’ll do:

  • Coordinate, create, and/or execute action and remediation plans as they pertain to credit risk management from internal sources - risk assessments, internal audit -- and external sources - regulators, auditors, and other third party reviewers.
  • Work in close coordination with portfolio reporting team to enhance credit and counterparty portfolio measurement, monitoring, and reporting (internal reporting, as well as ad hoc analyses and data call as required by Risk Management, Chief Risk Officer, regulators, and auditors).
  • Proactively promote a strong credit risk management culture across AEF aligned with the Three Lines of Defence, through execution of credit risk management tools and training programs.
  • Lead the Credit Risk Management teams in the development and execution of their respective risk and control assessments, and maturity plans.
  • Through coaching and mentoring, create a learning environment where staff are focused on providing a high standard of service while adhering to risk management policies, guidelines, and procedures.
  • Develop talent and plan for succession within AEF credit risk team.
  • Create efficient, responsive and scalable credit risk management processes. Demonstrate leadership in addressing potential obstacles by building support and acceptance of new approaches. Ensure that changes are implemented and result in efficiencies and added value.
  • Accountable for developing own and other’s performance through building a personal brand of accessibility, listening and positively influencing others to achieve results.
  • Foster an effective team culture whereby there is a commitment towards engagement built upon our values, mission and purpose.
  • Pursue ongoing professional development, remaining current on industry, market, economic and risk management trends.
  • Provide oversight on mitigation strategies and monitor the execution of action and remediation plans to enhance risk management capabilities in the first line of defence and within the Credit Risk Management function.
  • Develop strong relationships with business lines, including support and assistance with all credit related risk issues, loan submission and review, including problems loans, when required.
  • Collaborate with sales leadership and provide effective risk management leadership to new business development ideas and proposed business cases.
  • Oversee the development and maintenance of a register of all material processes and controls, including identification of material inherent risks, key controls, and issues with Credit Risk Management function.
  • Continually monitor portfolio credit risks against defined performance tolerances, and first line of defense’s response to breaches of tolerances.
  • Identify, escalate, recommend and support resolution of material credit and counterparty risk issues to the VP, Risk Management in a timely manner.
  • Assist in the mapping of annual business plans and operating budgets.


Who are we looking for?

  • You have a Bachelor's Degree or a diploma requiring 3 - 4 years of full-time study. University degree in Finance, Accounting, Business Administration, Commerce, or equivalent, or a professional designation in Banking (FICB), Credit (FCI) or Accounting (CPA), or equivalent combination of education and experience.
  • Master's level accreditation (MBA or CFA) is strongly preferred. Formal training in change management, facilitation, negotiation, and communication are considerable assets.
  • Expert knowledge of commercial credit analysis, policies, negotiation, security and legal procedures, including an advanced knowledge of regulatory and statutory provisions related to equipment financing.
  • Advanced proficiency in MS Office Suite.
  • Advanced knowledge of generally accepted accounting principles and financial statement analysis.
  • Advanced knowledge of local and provincial economies and trends in a variety of industries.
  • Advanced understanding of appraisal methods and lending processes and documentation.
  • High impact business writing skills for policies and procedures.
  • Skilled in change management.
  • Detail-oriented with high standards and expectations of self and others.
  • Able to effectively motivate, coach and mentor others.
  • Excellent communication skills, both written and oral, for internal and external audiences.
  • Demonstrated negotiating skills and creative thinking in lending, problem solving and employee relations.
  • Ability to research, make independent decisions, and develop and assess options effectively.

At Coast Capital, we value diversity, equity and inclusion. We’re not all the same and we like it that way. We don’t just accept differences - we celebrate, support, and we thrive on them for the benefit of our employees, our members, and our community. We are committed to building a team that represents a variety of backgrounds, perspectives, and skills. We believe, the more inclusive we are, the better our work will be.

Why join Coast Capital?

Purpose is our North Star.  We look at everything through our purpose. It informs the advice we provide our members, the experiences and products we create, and the programs we build to support our employees and communities.

Committed to inclusion and engagement. We have an ongoing focus on equity, diversity, and inclusion and routinely track how we’re doing, and what we need to do to keep improving. We foster a culture where everyone can feel safe to be who they really are and thrive.

A career that grows with you. We believe in developing our people and promoting from within. Many employees have spent decades, and sometimes their entire careers, with Coast Capital and have progressed from the frontlines to senior leadership.

Work where you’re most effective. In 2020 the world changed, and that includes how we work. In response to COVID-19 we launched myWork, which gives employees flexibility in where they work based on the nature of their role.

Benefits that flex to the needs of you and your family.  We offer comprehensive, customizable benefits for you and your family, so you can choose what fits best for you and your lifestyle.

Retirement options. We also take care of our employees once they retire. That’s why we offer the choice of a defined contribution or defined benefit pension plan or RSP’s.

Mortgage and auto financing benefits. Employees save thousands on their mortgages and auto loans with best-in-category benefits.

Real recognition. We recognize excellence throughout the year, through an online community that lets employees give kudos and thanks throughout the year.  We’re human, which means we like to have fun with events, celebrations, and recognition throughout the year.

An award winning culture. We’re a Platinum member of Canada’s Best Managed Companies and are regularly recognized by Canada’s Most Admired Corporate Cultures and the BC Top Employers Awards.

We reinvest 10% back into the community. When we do well, our communities do well. That’s why since 2000 we’ve invested over $90 million into our member’s communities. 

Double your impact. Through our employee volunteer program, Coast Capital donates $10 for every hour you volunteer to a Canadian charity or non-profit of your choice.

Equity, Diversity & Inclusion at Coast Capital

At Coast Capital, we value diversity, equity and inclusion. We’re not all the same and we like it that way. We don’t just accept differences - we celebrate, support, and we thrive on them for the benefit of our employees, our members, and our community. We are committed to building a team that represents a variety of backgrounds, perspectives, and skills.

COVID-19 at Coast Capital

Coast Capital Savings is committed to the health and safety of our employees, member, and communities. With this commitment in mind, Coast Capital complies with all public health mandates (provincially and/or federally, as applicable) and has implemented various safety measures, including requiring all employees to be fully vaccinated against COVID-19, and making COVID vaccination a pre-condition to employment with Coast Capital. All successful applicants must provide acceptable evidence of full vaccination against COVID-19, before any contract of employment becomes final and binding, and before your start date can be set.

Exceptions may apply where vaccination is not possible for medical or religious reasons that are protected under Canadian human rights laws. Should successful applicants require a medical or religious accommodation related to vaccination please discuss whether an exception may apply with your Talent Acquisition Advisor.

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