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About the Role

The Commercial Account Manager plays a vital role in supporting the financial success of Sydney Credit Union’s business members. This position is responsible for managing and growing the commercial loan portfolio through expert financial analysis, relationship building, and strategic lending practices. The successful candidate will work collaboratively with internal and external partners to deliver tailored financial solutions while upholding the Credit Union’s commitment to exceptional member service.

Responsibilities

Interview applicants and perform financial analysis for new, amended, or renewal commercial loan applications
Interpret complex legal documents such as share purchases, asset purchases, vendor take backs and subordinate agreements
Establish and negotiate loan terms, conditions, and collateral requirements
Recommend approvals for commercial loans and mortgages within policy limits
Maintain internal controls, security controls and loan quality controls for the commercial loan portfolio
Collaborate with Atlantic Central and Credit Union Deposit Insurance for approvals and exceptions
Monitor the commercial credit portfolio and manage delinquency
Administer programs such as Microloan, Nova Scotia Small Business Loan, CMHC, and Canada Small Business Loan
Conduct annual reviews of commercial clients for credit worthiness and growth opportunities
Maintain a high level of business retention by building trust and ensuring member satisfaction
Participate in community events and represent the Credit Union at business conferences
Support personal lending and coach front-line staff
Refer business to partners such as CU Financial, CUMIS, and Concentra
Provide input into commercial business development strategy and budget planning
Other duties as required

Requirements

A minimum of 3–5 years lending experience in a financial institution or an equivalent combination of training and experience
Preference given to candidates with commercial lending experience
Strong leadership, strategic thinking, and relationship-building skills
Supports change initiatives
Technical competencies in adjudication, underwriting, risk management, and financial principles
Proficiency in Microsoft Office and other relevant software
A commitment to cooperative values and community engagement
Results Oriented

Skills

Financial analysis
Relationship building
Strategic lending
Lending
Commercial lending
Leadership
Strategic thinking
Adjudication
Underwriting
Risk management
Financial principles
Microsoft Office

Location

On-site

Work Type

Full-time

Experience Level

3-5 years lending experience

Education Level

Degree in business, finance, or accounting

Salary/Compensations

$77,026.97 – $90,619.96

Benefits

Strong retirement plan
Comprehensive health coverage
Healthy Lifestyle Credit
Employee banking perks
Interest-free clothing line of credit
Flexible Health and Dental Plan (paid 80% by employer)
Defined Contribution Pension Plan with increasing employer contributions up to 10%
Wellness credit
Reduced rates on employee loans/mortgages
No service fee banking
Group Life Insurance: 100% employer-funded
Tuition reimbursement
Training
Personal development opportunities

About the Company

Sydney Credit Union is a member-owned financial cooperative.
We support local businesses, strengthen our community, and live the values of cooperation and trust.
We offer an engaged, community-focused team, where fresh perspectives and new energy are driving a positive path forward.

Equal Opportunity

As with all positions at Sydney Credit Union, this role could be expected to work in any of our locations.