POSITION DESCRIPTION: Business Loans Manager

Salary Range: $70,000–$80,000
Location: Enoch, Alberta
Department: Loans
Reports To: Operations Manager

Position Summary

The Business Loans Manager (BLM) provides management of AIIC’s lending services, including loan portfolio management, annual lending targets, risk mitigation, account reviews, client service, and business development. Working collaboratively with the Chief Executive Officer, Operations Manager, Loans Officers, Business Services Officers, and other staff, the BLM will ensure lending activities comply with AIIC policies, funding agreements, and organizational priorities while supporting Indigenous (First Nation) entrepreneurship and sustainable economic development.

Key Responsibilities

1. Lending Targets and Portfolio Management

• Develop and monitor annual lending plans, approval and disbursement targets, loan volumes, dollar values, and client service targets.
• Monitor applications pipelines, approvals, disbursements, and departmental performance, identifying delays and opportunities for improvement.
• Oversee loan applications from inquiry through assessment, approval, documentation, and disbursement.
• Provide regular lending performance updates to the Operations Manager and CEO.
• Support responsible portfolio growth while protecting AIIC’s financial resources.

2. Portfolio Monitoring and Risk Mitigation

• Monitor loan repayments, arrears, delinquencies, borrower financial performance, and emerging credit risks.
• Implement early intervention strategies, coordinate collection activities, and recommend repayment arrangements or restructuring where appropriate.
• Escalate high-risk accounts, potential loan losses, and significant concerns to management.
• Monitor loan security, insurance, guarantees, and other lending conditions.
• Maintain accurate risk records and prepare portfolio performance reports.

3. Annual Account Reviews and Compliance

• Establish and oversee an annual account review schedule, ensuring timely completion and documentation.
• Review financial statements, cash flow, repayment history, credit information where authorized, security, and borrower performance.
• Ensure loan files are complete, current, and audit-ready, and that required documentation and client consent are obtained.
• Identify and escalate overdue reviews, compliance concerns, and outstanding documentation.

4. Lending Oversight and Staff Support

• Provide technical guidance to Loans Officers on financial analysis, business plans, repayment capacity, and credit risk.
• Review loan applications and recommendations for eligibility, due diligence, policy compliance, and appropriate approval authority.
• Ensure approval conditions are satisfied before disbursement and lending records and reports are accurate.

5. Client Service and Community Outreach

• Respond to client inquiries, escalated concerns, and service complaints professionally and promptly.
• Maintain positive relationships with First Nation entrepreneurs, communities, economic development officers, and referral partners.
• Promote AIIC lending programs through community visits, workshops, conferences, trade shows, and business development activities.
• Collaborate with program staff to identify prospective borrowers and connect clients with business support services.

6. Reporting and Organizational Support

• Report on lending targets, portfolio growth, account reviews, arrears, and risk mitigation.
• Ensure compliance with AIIC policies, applicable legislation, funding agreements, and confidentiality requirements.
• Contribute to departmental work plans, budgeting, strategic planning, audits, and continuous improvement initiatives.

Required Qualifications

• Post-secondary education in business, commerce, finance, or a related field, or equivalent relevant experience.
• Demonstrated experience in business lending, commercial credit, financial analysis, or loan portfolio management.
• Knowledge of credit risk assessment, financial statements, cash flow analysis, and repayment capacity.
• Strong leadership, analytical, organizational, communication, and client relationship skills.
• Ability to manage competing priorities, meet targets, maintain confidentiality, and exercise sound judgment.
• Valid driver’s license and ability to maintain insurability.

Preferred Qualifications

• Experience supervising, mentoring, or providing technical guidance to staff.
• Experience with Indigenous entrepreneurs, First Nation communities, developmental lending, or Indigenous economic development would be an asset.
• Knowledge of small business operations, performance reporting, and funding agreement requirements.

Travel: Up to 25% throughout AIIC’s service area may be required.

The successful candidate will demonstrate strong leadership, proactive risk management, sound credit judgment, and a commitment to Indigenous business development and long-term portfolio sustainability.

Pay: $70,000.00-$80,000.00 per year

Benefits:

• Dental care
• Extended health care
• On-site parking
• Paid time off
• RRSP match

Education:

• Bachelor's Degree (preferred)

Experience:

• working with Indigenous people: 5 years (preferred)
• commercial lending: 5 years (preferred)

Work Location: In person