About this opportunity
At Meridian our aspiration is to integrate our purpose into everything we do for people, the planet, and communities. We believe that our greatest opportunity is to create opportunity and meet people where they are.
Our Business Banking Practice:
Our vision is to be recognized as the financial institution that has the most local impact, supported by a purpose-driven Value Proposition to our Members.
We take the time to get to know our members’ business, anticipate their needs and provide customized solutions. After all, our obligations are to our Members, not shareholders, and we take to heart the best interests of our Members and communities we serve! We're passionate about what we can do for their business and we’re empowered to leverage our local autonomy to meet their unique needs.
In addition to building customized solutions for business, we offer full service commercial banking solutions, including a wide selection of daily banking products, complementary lending services, cash management solutions, as well as insurance and investments.
As a Relationship Manager/Senior Relationship Manager:
You will be responsible for the overall management and growth of a portfolio of accounts of mid-size and moderate complexity with diversified members and their lending needs. The size of the portfolio managed will depend on the number, type and complexity of the accounts in the portfolio and will involve the annual review of the risk and profitability of each member’s account; monitoring of problem accounts and development of plans to minimize risk. This position analyses financial statements, evaluates security, and establishes loan terms and interest rates. This position is also responsible, within established limits, for the analysis and recommendation of Commercial Credit Applications.
You are a professional who understands the importance of building and nurturing relationships in the community and with Meridian Members. You will seek to grow the size and profitability of the commercial book while minimizing loan risk and maximizing product penetration. You enjoy a fast-paced exciting environment with a commitment to achieving results.
The successful candidate will have experience and expertise in managing medium to large real estate & Construction Financing, lending in Hospitality industry and General Industry (working capital financing). This person will be responsible to generate medium to large related credits within the Business Banking Centre.
What you will do:
- Manage and grow a profitable commercial financing portfolio of diversified Commercial business members.
- Structure, negotiate and document credit and cash management arrangements outlining loan terms and conditions relative to risk, needs of borrower and cost of administration ensuring an appropriate return to the Credit Union.
- Demonstrate a well-developed understanding and solid analytical skills in the areas of balance sheets, cash flow mechanics, and business plans presented by Members.
- Exhibit strong general business sense coupled with the ability to develop a comprehensive finance package structured exclusively to meet the member’s credit and non-credit needs.
- Actively monitor and manage the profitability of Meridian’s relationship with a member in order to retain and maintain business.
- Keep abreast of changes within diverse industry sectors and proactively identifies opportunities to improve the growth and development of the assigned portfolio by analyzing member needs, trends, and competitor offerings.
- Independently generate credit and deposit opportunities in assigned region through cultivation of prospects, calling on referral resources, and networking with centers of influence.
- Proactively build and maintain a sales plan that includes outbound calling, marketing efforts and cross selling of Meridian’s products and services in order to position Meridian and the Relationship Manager as the Centre of Influence.
- Minimize loan risks through diligent, timely and proactive annual financial reviews and ongoing monitoring of changing economic/marketplace influences and applicable industry trends/data.
- Conduct extensive due diligence and prepares credit submissions in accordance with the company’s standards and procedures and presents them to the Regional Vice President.
- Focus on the highest quality Member service, ensuring alignment with overall Meridian and Commercial goals and objectives.
- Mentor and coach less experienced Commercial Services colleagues through collaborative teamwork and provides advice in regards to account management and credit structuring.
- Actively participate in Company and Community events and activities while demonstrating Meridian Values.
How you will succeed:
- University Degree in Business or Finance or related discipline or an equivalent combination of education and experience.
- Minimum of two to five years of progressive commercial lending experience in sales/service and managing a diverse portfolio in commercial banking environment or like field.
- Proven experience and expertise in structuring, managing and servicing medium to large real estate and construction financing deals will be a definite advantage.
- Advanced knowledge of business lending policies, complex procedures, techniques and documentation requirements
- Advanced knowledge of statutory guidelines and regulations governing business lending
- Extensive credit and non-credit product knowledge with a desire to enhance the level and breadth of this knowledge base on an on-going basis.
- Strong, proven, origination, business development, relationship building and portfolio management skills
- In depth knowledge of accounting policies and procedures.
- Effective knowledge of banking systems and computer applications.
- Advanced understanding of credit risk, credit structuring and underwriting skills.
- Strong negotiation, communication and presentation skills (both verbally and in writing).
- Ability to work independently with confidence and strong commitment to Member service.
- Comfort learning and adopting new digital tools, with an openness to using AI‑enabled technology to enhance productivity, accuracy, and the Member experience.
This role represents an existing vacancy. Internal candidates are being considered as part of our standard process.
Salary Range: CAD $79,000.00 – $110,000.00 annually.
Compensation for this role is based on a combination of skills, experience, and internal equity. Candidates with stronger alignment to the role’s requirements may be placed higher within the range. Your recruiter will share more information about our total rewards package during the hiring process.
Office Location:
This position offers flexibility to work from any of the following office locations:
- Business Banking Centre 600 (St. Catharines), 75 Corporate Park Dr, St Catharines, ON
- Business Banking Centre 200 (Hamilton), 69 John St S, Suite 340, Hamilton, ON
This role is hybrid opportunity.
Meridian has a remote work policy that allows flexibility for employees to work remotely but also requires regular time in the office for purposeful meetings to collaborate, innovate and build effective relationships with your team, your colleagues and your leader which is very important to us.
What's in it for you?
- We have an inclusive and collaborative working environment that encourages creativity, curiosity, and celebrates success!
- We provide you with the tools and technology needed to delight your candidates and clients!
- You'll get to work with and learn from diverse industry leaders, who have hailed from top organizations around the world
- Hybrid work arrangements with in-person office time to collaborate, innovate and build relationships with your colleagues
- This isn't your typical "corporate" job. We work hard and we have fun!
Build the Future of Banking with Us
At Meridian, we’re not just adapting to the future - we’re shaping it. We see talent as a catalyst for sustainable growth, community impact, and future-readiness. As the financial landscape evolves, we’re looking for team members who bring:
- Embedding & leveraging technology – Confidence and willingness to learn and integrate AI and emerging technologies into new ways of working. Experience with low/no code tools like the Microsoft Power Platform and generative AI productivity tools like Microsoft Copilot is considered an asset
- Critical Thinking – The ability to analyze, evaluate and interpret information from various sources and apply logic and problem solving to make decisions.
- Data Driven– Leverage data and insights to identify, prioritize and improve member experience and business efficiency.
- Curiosity & Flexibility – Comfortable navigating and embracing change and uncertainty, ask more questions, explore more options. Continuously learn and grow.
Who we are:
Meridian is Ontario’s largest credit union, and second largest in Canada, helping to grow the lives of our more than 380,000 Members. Meridian has more than 80 years of banking history and is 100% owned by its members. With 87 retail branches and 15 Business Banking Centers across Ontario and $ 32B in assets under management, Meridian offers a full range of financial products and services to its retail, business banking and wealth members. With over 2200 employees and corporate offices located in Toronto and St. Catharines, Meridian has a track record of creating and delivering innovative new offerings and is committed to investing in the communities that we serve. Our plan is to build on our momentum as we deliver on our purpose - helping our members achieve their best life.
Find our story here: About Meridian
Our Commitment to You!
Meridian is committed to promoting an inclusive, accessible environment, where all employees and customers feel valued, respected, and supported. We are dedicated to employing a workforce that reflects the diversity of our communities and Members in which we live and serve.
Qualified applicants will receive consideration without regard to race, color, religion, sex, national origin, age, sexual orientation, gender identity, gender expression, or disability.
We will ensure that individuals with disabilities are provided reasonable accommodation to participate in the job application or interview process, to perform essential job functions, and to receive other benefits and privileges of employment. Please contact us to request accommodation.
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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