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.

Senior Credit Approvals Specialist

Location: British Columbia (CA-BC),Surrey

Job Type: Full Time

Location: British Columbia, Alberta and Ontario

myWork Options: In-person, Remote, Hybrid

What’s the job?

The Senior Credit Approvals Specialist performs analysis and adjudication of credit applications for either Direct or Broker Channel lines of business. The incumbent provides direction and oversight to an assigned team of Credit Analysts.

What you'll get to do:

Liaise with and maintain productive relationships with lines of business.
Analyze and exercise judgment to approve within assigned discretionary limits, recommend, or decline requests for credit facilities from a variety of business referral sources, with emphasis on equipment financing and leases, in accordance with the Credit Union’s Risk Appetite, Lending Policy and Guidelines.
Manage the application process to improve speed, quality and compliance.
Negotiate terms, conditions and pricing of product offerings with prospective and existing customers.
Pursue and develop opportunities for mutually beneficial business relationships with new and existing members while embracing a credit culture that drives minimizing/mitigating risk.
Provide advice regarding financing options and processes to potential customers, equipment dealers, and business principals, and refer them to other professionals or agencies for additional assistance when appropriate.
Responsible for identifying and referring opportunities for additional business to partners within Coast Capital.
Further strengthen client relationships and commitment with and to the overall team and ultimately Coast Capital.

Who we're looking for:

7-9 years of credit experience with sound knowledge of all aspects of equipment finance and leasing. Commercial underwriting experience.
Thorough understanding of asset values, specialized equipment applications, and industry dynamics relevant to financing.
A bachelor’s degree in finance and accounting is highly desired. Diploma in Business Administration or related field (or equivalent combination of education and experience).
Ability to read and interpret financial statements.
Proficient in MS Office Suite.
Possesses a strong proficiency in the Compass application process.
Strongly proficient in the Lease Plus operating system.
Team player with a high degree of flexibility.
Excellent organizational and time management skills.
Self-motivated with a strong desire to succeed.
Demonstrated ability to thrive in a fast-paced environment.
Highly collaborative, with a keen focus on customer service.

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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