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About the Role

The Relationship Manager/Senior Relationship Manager is responsible for the overall management and growth of a portfolio of accounts of mid-size and moderate complexity. This role analyzes financial statements, evaluates security, and establishes loan terms and interest rates, while also analyzing and recommending Commercial Credit Applications within established limits. The successful candidate will build and nurture relationships in the community and with Meridian Members, seeking to grow the commercial book while minimizing loan risk and maximizing product penetration.

Responsibilities

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 provide advice with regards to account management and credit structuring.
Actively participate in Company and Community events and activities while demonstrating Meridian Values.

Requirements

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.

Skills

AI-enabled technology
Critical Thinking
Data Driven
Curiosity & Flexibility
Microsoft Power Platform
Microsoft Copilot

Location

700 Richmond Street, London
200 Speedvale Ave. W., Guelph

Work Type

Hybrid

Experience Level

Two to five years of progressive commercial lending experience
Medium to large real estate lending transactions
Lending into the Hospitality sector
Lending into the General Industry sector
Working capital financing requests

Education Level

University Degree in Business or Finance or related discipline or an equivalent combination of education and experience.

Salary/Compensations

CAD $79,000 – $110,000 annually

Benefits

Inclusive and collaborative working environment that encourages creativity, curiosity, and celebrates success!
Tools and technology needed to delight your candidates and clients!
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!

About the Company

Meridian's aspiration is to integrate our purpose into everything we do for people, the planet, and communities.
Meridian believes that our greatest opportunity is to create opportunity and meet people where they are.
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.
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.
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, Critical Thinking, Data Driven, Curiosity & Flexibility.

Equal Opportunity

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.