Assistant Credit Manager

This job is accountable to the Credit Manager for the provision of financial advice/solutions to members and the processing of loan applications for those members seeking such services from JPCCU.

SPECIFIC ACCOUNTABILITIES/MAJOR TASKS

The Assistant Credit Manager is accountable for the following results, some of which includes:

1. Assist the JPCCU loans portfolio by providing appropriate financial advice/solutions to members seeking loans from JPCCU.
2. Assist with promoting JPCCU’s loan products and services to members.
3. Work with the Credit Manager to determine overall loan portfolio composition and the management concentrations. 
4. Collaborate with the Delinquency Unit regarding the collection of loans in default. 
5. Supervise the Loans Officers, MSR-Loans, and General Clerk.  
6. Assist the Credit Manager in providing information to the HR Manager, regarding: the training needs of all staff responsible for credit administration/Loan processing. 
7. Provide administrative services and provide monthly reports to the Credit Manager as required. 
8. Collaborate with the Credit Manager to increase collections on non-performing loans. 
9. Collaborate with the Credit Manager to ensure that the credit portfolio is appropriately risk-rated and adequate reserve is in place.  
10. Liaise with the Branch Managers and visit the branches at least once per month to ensure standardization across the branch network. 
11. Liaise with the Senior Marketing and Communications Officer to ensure adequate promotion is given to JPCCU’s loan products and services, especially special offers.  
12. Ensure that all verbal and written complaints are dealt with promptly and effectively. 
13. Ensure in conjunction with the IT Systems Manager that all operational systems are functional daily.  
14. Ensure in conjunction with the Internal Auditors that proper procedures, practices, and the necessary controls are maintained across the branch network.  
15. Provide financial counseling to members on a needs basis. The emphasis of this counseling is the importance of having a balanced financial portfolio. 
16. Ensure business development and relationship management with external partners in accordance with the Credit Union's credit guidelines.  
17. Approve lien documents and authorize the release of motor vehicle collaterals as per authority schedule. 
18. Grant transactional online approval within the guidelines of the Authorities Schedule. 
19. Approve loans across the branch network in accordance with the Authorities Schedule. 
20. Provide annual credit training to staff and members of the credit committee. 
21. Oversee the production and maintenance of credit training material on Surrey. 
22. Provide communication to staff on policy updates, standardization, and other matters that will affect everyday operations. 
23. Act as the manager in the absence of the credit manager.