Credit Adjudicator

As a locally based financial institution, Cambrian Credit Union is known for working within our community. Everything we do at Cambrian is guided by our five simple values: Integrity and Honesty; Member Focused; Competitive; Community Involvement; Innovative Spirit.

Cambrian Credit Union is seeking a Credit Adjudicator to join our Centralized Credit Adjudication team.

The Credit Adjudicator is responsible for retail lending decisioning from the retail branches and virtual services, while employing practices to mitigate risk and ensure compliant retail lending practices. The Credit Adjudicator I adjudicates all retail consumer credit including residential mortgages.

This role is a development role designed to last 12-18 months as a new Credit Adjudicator becomes proficient in the tasks and responsibilities of the team.

In the role of Credit Adjudicator, you will:

• Be accountable for the development and adjudication of routine and moderately complex retail credit requests within the risk parameters established by Cambrian Credit Union; as outlined in the Retail Lending Manual; and within authority limits established by the Credit Committee.
• Be responsible for development, and structuring of loans, lines and mortgages along with revolving credit reviews. Be aligned to the business development objectives of the organization within the parameters of an established risk management philosophy and framework.
• Be accountable for remaining current with Retail Credit Industry trends, High Ratio lending rules, regulations, appraisal standards, competitor products and strategies, and credit scores.
• Embrace change, and serve as an advocate and role model for promoting a mindset of continuous improvement and operational efficiency within the Centralized Credit Adjudication department.
• Seek ways to improve on retail credit underwriting through continuous review and development of retail credit procedures.
• Provide assistance and support to the Supervisor, Centralized Credit Adjudication as deemed necessary or required.

Your Education & Experience:

• Minimum education level of Grade 12 or equivalent, with post-secondary education in Business/Finance considered an asset.
• Minimum 1 year of job related experience within a retail sales environment that includes credit adjudication.
• Demonstrated retail lending skills with a thorough knowledge and understanding of standard credit practices and retail lending processes.
• Previous experience in the credit union industry, considered an asset.
• Proficient in PC applications of Outlook, Word & Excel.
• Creative thinker/problem solver, with a member-centered approach and strong drive to continuously improve and add value to the business.
• Ability to work well in an environment with multiple and often changing priorities.

 Our Environment & Total Compensation

• Cambrian offers a work environment where teamwork and creative thinking are valued.  In addition, we offer continuing professional development and a competitive total compensation package including:
• A hybrid work environment with the use of advanced technology
• Extended health and dental benefit options, up to 80% employer-paid premiums dependent on which coverage level chosen
• Defined Contribution Pension Plan – matched at 6%
• Short Term Disability, Life Insurance, Long Term Disability, AD&D insurance and EAP
• Paid sick days, Paid emergency Absent days
• Customized training, career development planning, and structured onboarding
• Staff Banking Benefits - Employee interest rates on Credit Union personal loans, lines of credit, mortgages and credit cards
• Annual Performance appraisals and merit increase reviews

Cambrian Values

The Credit Adjudicator consistently displays Cambrian’s core values as follows:

• Integrity & Honesty: Anticipates and adapts behaviours consistent with integrity and honesty. Listens to and considers differing perspectives respectfully; interacts with others fairly and objectively.
• Member Focused: Anticipates and adapts to member needs; Takes responsibility for working with members to identify and solve issues and ensure satisfaction.
• Community Involvement: Sets an example to others by attending or participating in organizational and community events and initiatives. Involved in organizational committees to promote awareness and involvement.
• Competitive: Sets an example to others by exceeding expectations. Identifies potential obstacles to reaching goals and develops ways to overcome them.
• Innovative Spirit: Identifies opportunities to improve on technologies and processes. Identifies ways to assist others in adapting to change and communicates about change in a positive way.

How to apply:

Please submit your application online (https://www.cambrian.mb.ca/careers) by November 6, 2026. Your resume and cover letter must clearly illustrate how you meet these qualifications.

Cambrian Credit Union would like to thank all applicants for their interest, however, only those selected for an interview will be contacted.

Note: Cambrian Credit Union is an equal-opportunity employer. We welcome and encourage applications from individuals with diverse backgrounds, abilities, and experiences. Accommodations are available on request for candidates taking part in all aspects of the selection process.