Credit officer Jobs in East York, ON

Locations

St Catharines Corporate Office : 75 Corporate Park Dr, St Catharines, ON L2S 3W3, CAN

Toronto Corporate Office : 3280 Bloor St W (Centre Tower, 7th Floor), Etobicoke, ON M8X 2X3, CAN

About Meridian

Meridian’s aspiration is to integrate purpose into everything we do for people, the planet, and communities. We believe our greatest opportunity is to create opportunity and meet people where they are.

Consumer Credit (Personal Lending / Mortgage Broker Services) is part of Meridian’s Risk Management function. The Department is accountable for providing prompt adjudication / administration and credit coaching to all Retail channels (Branch / Digital, MMS, Broker) for Member retail credit needs, including adjudication of the Meridian Visa credit card portfolio.

Job Summary

As an Adjudicator, Consumer Credit, you will provide exceptional service to all Retail lending channels (Branch / Digital, MMS, Broker) through prompt analysis, approval and / or direction for all credit applications originated and submitted.

Key Responsibilities

• Exercise sound and consistent retail underwriting practices, including utilization of Risk Based Lending principles through a creative and proactive approach to credit granting.
• Advise Meridian staff and Mortgage Brokers on the interpretation of existing lending policies and application structures.
• Engage in mortgage application issue resolution to find appropriate solutions for both Members and Meridian, while maintaining high quality relationships.
• Manage fluctuating work volumes to effectively meet short timelines while maintaining a high level of credit quality within a volatile real estate market.
• Perform due diligence on all confirmations, appraisals and supporting documentation as needed.
• Participate in onboarding and initial training of new Adjudicators, and other cross‑functional training as required.
• Help identify retail credit policy gaps and process deficiencies and recommend changes for improvement, focusing on mortgage lending.
• Support and provide direction for escalations to the Condition Fulfillment Team as required.
• Remain informed of changes to lending practices within the marketplace and to the lending practices of private and government high‑ratio insurers.
• Remain informed of industry trends regarding misrepresentation and apply thorough due diligence to credit files and supporting documentation.

Knowledge, Skills and Abilities

Ability to present logical, well‑drafted recommendations to higher authorities and peers>

Education, Designations, Training and Experience

Minimum of three years’ experience in underwriting / adjudication in a financial services environment, particularly in mortgage lending.

Salary Range

CAD $52,000 – $75,000 annually. Compensation is based on skills, experience, and internal equity. Candidates with stronger alignment may be placed higher within the range. Recruiters will share more information about the total rewards package during hiring.

Office Location and Remote Policy

3330 Bloor Street West, Toronto OR 75 Corporate Park Drive, St. Catharines. This is a hybrid work opportunity. Remote work policy allows flexibility, but requires a minimum of one day per week in the office for purposeful meetings.

Benefits

Build the Future of Banking with Us

At Meridian, we are shaping the future of banking and looking for team members who bring :

Who We Are

Meridian is Ontario’s largest credit union, second largest in Canada, with over 380,000 members. With more than 80 years of banking history and 100% member ownership, Meridian operates 87 retail branches and 15 Business Banking Centers across Ontario, managing $32B in assets under management. Our mission is to help members achieve their best life.

Meridian is committed to an inclusive, accessible environment where all employees and customers feel valued, respected and supported. We employ a workforce that reflects the diversity of our communities and members.

Qualified applicants will receive consideration without regard to race, color, religion, sex, national origin, age, sexual orientation, gender identity, gender expression, or disability.

Please note that due to the volume of applications, only those under consideration will be contacted for an interview. Thank you for your interest in Meridian Credit Union.

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