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About the Role

The Consumer Credit Adjudicator is responsible for the timely analysis and adjudication of consumer credit requests, applying sound underwriting judgment, Risk Based Lending principles, and applicable policy. The role provides credit direction and coaching to channel partners while maintaining due diligence, documentation, and credit quality. You will provide exceptional service to all Retail lending channels through prompt analysis, approval, and/or direction for all credit applications.

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.
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.

Requirements

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.
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.

Skills

Risk Based Lending principles
Credit adjudication
Underwriting judgment
Risk Appetite framework
Due diligence
Communication
Coaching
Collaboration
Conflict management
AI-enabled technology
Microsoft Power Platform
Generative AI productivity tools
Microsoft Copilot
Critical Thinking
Data Driven
Curiosity
Flexibility

Location

St. Catharines Corporate Office located at 75 Corporate Park Drive, St. Catharines
Toronto Corporate Office located at 3280 Bloor St W, Etobicoke, ON

Work Type

Hybrid

Experience Level

Minimum of three years of Personal Lending underwriting experience

Salary/Compensations

CAD $52,000.00 to $75,000.00 annually

Benefits

Inclusive and collaborative working environment that encourages creativity, curiosity, and celebrates success
Tools and technology needed to delight your candidates and clients
Opportunity 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
Non-traditional corporate job environment where hard work and fun coexist

About the Company

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.
We want you to grow with us and have an experience that’s different.
This is a place where you can expect the unexpected.
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 insights, curiosity & flexibility.

Equal Opportunity

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.