Why Meridian?
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.
Factor us into your next career opportunity. We want you to grow with us and have an experience that’s different. This is a place where you can expect the unexpected.
Find our story here: About Meridian
Consumer Credit is part of Meridian’s Risk Management function and provides credit adjudication and coaching across retail lending channels. The Adjudicator, Consumer Credit is responsible for the timely analysis and adjudication of consumer credit requests, applying sound and consistent underwriting judgment, Risk Based Lending principles, applicable policy, delegated lending authority and Meridian’s Risk Appetite framework. The role provides clear credit direction and coaching to channel partners while maintaining appropriate due diligence, documentation and credit quality.
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
- Analyze and adjudicate consumer credit applications across applicable product types and channels, exercising sound and consistent retail underwriting judgment and Risk Based Lending principles.
- Approve applications within assigned delegated lending authority and escalate requests that exceed approved authority limits in accordance with the Corporate Retail Lending Authority hierarchy.
- Assess borrower attributes, income confirmation, debt service, loan-to-value, down payment, product suitability and risk, high-ratio requirements, property risk, appraisals, supporting documentation, potential misrepresentation, conditions and commitments.
- Perform appropriate due diligence on confirmations, appraisals and supporting documentation, ensuring credit decisions and requirements are clearly documented.
- Interpret and apply Consumer Credit policies and processes, including the Personal Lending Manual, and identify or appropriately escalate policy exceptions.
- Provide timely, accurate and professional communication regarding adjudication decisions, conditions and credit direction to Retail, Digital, Mortgage Broker and other applicable partners.
- Provide credit coaching to Retail partners and support knowledge sharing with peers to strengthen lending judgment and consistency.
- Manage fluctuating application volumes and priorities while supporting established service-level expectations and maintaining credit quality.
- Remain current on lending practices, high-ratio insurer guidelines, regulatory and legislative requirements relevant to lending, and industry trends related to misrepresentation and credit risk.
- Support broader Retail Credit initiatives and collaborate with Credit Recovery on workout situations as required.
- Participate in employee engagement, team learning and knowledge-sharing activities, and complete required compliance and professional-development learning.
- Adhere to Consumer Credit policies and processes and contribute to efficient application throughput aligned with Meridian’s Risk Appetite framework.
Knowledge, Skills and Abilities
- Strong analytical ability, attention to detail and sound credit judgment.
- Ability to apply tact, objectivity and judgment when evaluating credit and communicating decisions.
- Strong written and verbal communication skills, including the ability to provide clear, logical credit rationale and recommendations.
- Ability to work collaboratively with channel partners and peers while balancing Member needs, prudent lending and risk requirements.
- Ability to work with limited supervision in a fast-paced environment and manage competing priorities and tight timelines.
- Ability to manage conflict professionally and constructively.
- In-depth working knowledge of consumer and mortgage lending practices, Risk Based Lending principles and high-ratio insurer underwriting guidelines.
- Working knowledge of regulatory and legislative requirements applicable to consumer lending and the ability to interpret internal lending policies.
- Knowledge of business financial statements and analysis of business income.
- Comfort learning and adopting new digital tools, with an openness to using AI‑enabled technology to enhance productivity, accuracy, and the Member experience.
Education, Training and Experience
- Minimum of three years of Personal Lending underwriting experience in a financial-services environment, with demonstrated experience applying lending policies and restrictions, particularly in mortgage lending.
- Relevant experience should include product knowledge, interpretation of lending-related regulatory and legislative requirements, and practical application of Risk Based Lending principles.
- Knowledge and understanding of business financial statements and business-income analysis is required.
This role represents an existing vacancy. Internal candidates are being considered as part of our standard process.
Salary Range: CAD $52,000.00 to $75,000.00 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:
St. Catharines Corporate Office located at 75 Corporate Park Drive, St. Catharines OR;
Toronto Corporate Office located at 3280 Bloor St W, Etobicoke, ON.
This is a hybrid role.
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
- 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.
Our Commitment to Belonging
At Meridian, belonging starts with people. We are committed to creating an inclusive and accessible workplace where everyone feels valued, respected, supported, and empowered to bring their authentic selves to work. We believe that diverse backgrounds, identities, abilities, sexual orientation, experiences, and perspectives make us stronger and help us better serve our Members, communities, and one another.
We are committed to an accessible recruitment experience and will provide accommodation information to candidates selected for an interview.
To learn more about DEIBR at Meridian, visit meridiancu.ca.
Thank you for your interest in Meridian Credit Union. We look forward to learning more about you and the unique experiences and perspectives you could bring to our team.
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Please note that due to the volume of applications, only those under consideration will be contacted for an interview.
