Manager, Risk & Administraion

MANAGER, Risk & administration

Title Manager, Risk & Administration

Department Finance & Administration

Reports to Chief Executive Officer Office

Salary $85,500-$100,588 annually

SUMMARY

Under direction from the Chief Executive Officer (CEO), the role of the Manager, Risk & Administration is to oversee the centralized administration and retail credit risk programs for Lake View Credit Union.

The Manager, Risk & Administration ensures overall execution of the centralized administration and compliance program, including the deposit and loan administration, fraud, anti-money laundering, privacy, accounts payable and clearing, and product and procedure maintenance functions. This role also ensures oversight of the retail credit risk program, including delegated lending authority, post review, adjudication parameters, and collections.

KEY RESPONSIBILITIES

Design and ensure execution of risk-based audits of deposit and loan transactions, activities, and accounts. Make recommendations for improvement of identified deficiencies/gaps resulting from audits and work closely with control owners to develop and implement solutions.
Responsible for the development, application and maintenance of policies and procedures related to AML and Privacy, incorporating industry best practices and ensuring compliance with all AML and Privacy regulatory requirements
Designated Privacy Officer and Chief Anti-Money Laundering Officer
Ensure various banking system reports (i.e., EM Supervisor reports to ensure overrides are conducted within delegated limits) are monitored as appropriate.
Responsible for the development, application and maintenance of a proactive fraud loss prevention program, policies and procedures, incorporating industry best practices and ensuring compliance with all regulatory requirements and industry codes
Contributing member of the Executive Credit Committee
Oversees the risk adjudication parameters and allowance for impaired loans. Adjust and refine retail loan parameters and provide approval within defined limits or escalate to credit committee.
Completes post review of retail credit files, make recommendations for improvement of identified deficiencies/gaps resulting from audits and work closely with retail lending team to develop and implement solutions
Maintains the retail credit procedures and recommends updates to the Investment and Lending Policy, prepares periodic reporting on credit activity and portfolio characteristics, and oversees collection activities
Leads Administrative Associate in providing payments management and reconciliation, clearing, accounts payable, and general accounting support
Supports completion of risk-based assessment of all new products/services and risk mitigation strategies.
Contribute to the development of the annual internal audit plan and execution of the internal audit program
Prepare quarterly AML, Privacy and Fraud Reports and other compliance-related reporting as requested
Responsible for development, application, and maintenance of efficient internal procedures to facilitate compliance with FATCA, CRS, and CASL regulations
Ensure reconciliation of registered products, and that all annual tax slips and filing requirements are met.
Responsible for research, writing, implementation, and evidenced compliance of branch procedures. This would incorporate any and all procedures required in the branch environment and would reflect all compliance requirements and best practices.
Responsible for execution of the annual compliance training program, and conducts additional training sessions with staff on products, services, procedures, and the banking system as required to promote efficiency, compliance and risk mitigation.
As requested, assist with matters related to compliance with current and emerging BCFSA guidelines and regulations
Ensure completion of all non-finance related credit union system or regulatory reporting (ie. CCUA self-assessment, Statistic Canada questionnaires, CCUA National Data Gathering, various compliance certificates or reports)
Assist with ongoing maintenance, updates, and version management for key branch systems

LEADERSHIP & STAFF DEVELOPMENT:

Manage, lead and provide direction to the Administrative Associate, Loans Administrators, Member Services Associates, Delinquency Officer and Risk and Compliance Specialist

Establish performance standards, evaluate and manage performance of staff through conducting staff appraisals, regular employee coaching sessions and if necessary, progressive discipline.
Take a leadership role in creating an environment of continuous improvement by sharing best practices to all staff.
Adhere to service standards as they pertain to the position
Enthusiastically participate in various internal committees, community involvement and image building of the Credit Union.
Other duties as assigned

EDUCATION AND EXPERIENCE

Minimum 5 years’ experience in a supervisory/management function in a financial institution (preferably a credit union)
Diploma or degree from recognized post-secondary institute or equivalent
Professional certification or experience in project management
Proficiency in DNA banking system and Lodestar is necessary.
Experience in both commercial and retail banking.
Proficient in AML, Terrorist Financing, Privacy and FATCA legislation and the enforcement thereof.
Strong proficiency in Microsoft 365 applications

Consideration will be given to an equivalent combination of education and experience.

REQUIRED KNOWLEDGE SKILL AND ABILITIES

Excellent verbal, written and presentation skills, including an ability to facilitate and provide training
In-depth knowledge of regulatory guidelines and industry best practices for financial institutions and the enforcement therein.
High level of integrity, confidentiality, and accountability
Strong work ethic and positive team attitude
Demonstrated ability to quickly grasp new concepts
Excellent analytical, problem solving and innovative thinking skills
Strong attention to detail with the ability to plan, organize, prioritize, and execute
Ability to work well and build relationships with various stakeholders to discover barriers and challenges, influence and achieve positive results
Sound judgement and ability to respond appropriately in pressure situations
Proven ability to provide accurate reporting of the Credit Union’s status with internal and external stakeholders.
Proficient in continuous improvement processes for policies and procedures to achieve the highest service levels.
Extensive knowledge of financial products and services.

Regional Branch Manager, Dawson Creek, Chetwynd & Tumbler Ridge

REGIONAL BRANCH MANAGER, Dawson Creek, Chetwynd & Tumbler Ridge Branch

Title Regional Branch Manager

Department Branch Operations

Reports to Chief Executive Officer (CEO)

SUMMARY

This Regional Branch Manager (position) reports to the CEO and, under executive direction, provides overall management of all three branches’ sales and service functions. Coaching branch managers whilst leading the achievement of sales objectives, superior member experiences, optimal business retention, including investment and loan portfolios, and initiating action to achieve portfolio growth and profitability goals. The position directly or indirectly leads and manages all branch employees, implements marketing plans with the Manager, Marketing for product and service promotion, and produces and analyzes financial reports. This position champions and develops strategies for all sales and service-related activities in the branch and acts as an ambassador for the branch and organization in the community. The position oversees adherence to Credit Union policies and ensures that each branch team functions in a well-managed environment that carefully balances the needs of the membership, the economic environment, and the ongoing sustainability needs of the branches and Credit Union. This position ensures all policies and procedures are complied with and works with the risk and compliance team to ensure effective oversight, performance correction, and that they are kept current.

REGIONAL BRANCH MANAGER KEY RESPONSIBILITIES

The Regional Branch Manager is accountable for branch operations, business development, sales management, and service delivery. The position is responsible for developing and supporting strategies to achieve the Credit Union’s long-term goals and objectives. The position will lead a team to achieve the branches’ sales and service targets. Aviso wealth management employees also report into this position. All goal setting and coaching will be the same as branch managers. The manager actively promotes and maintains effective partnerships with colleagues.

Responsible for the development, implementation, and monitoring of the annual branch budgets
Reviews and analyses branch reports and credit files regularly and prepares and submits monthly branch reports via branch managers by specified date.
Responsible for translating the Credit Union’s strategic goals and objectives into “hands-on” operational goals and individual action plans for branch managers.
Sets goals for all pre-determined marketing plans and programs that contribute to the continued growth and development of the Branches, while maintaining an active involvement in community activities. These goals will be reported weekly to the Manager, Marketing to understand the success of the campaigns.
Responsible for the effectiveness of all branch programs, marketing strategies, and short- and long-term planning activities to encourage and promote branch growth and identify and capitalize on the potential for growth opportunities.
Responsible for the effective adoption and utilization of new technologies, platforms, and digital offerings and leads change management with professional This may involve testing of new products/technology to ensure accuracy.
Accountable for the profitability and growth objectives as well as ensuring credit
Accountable for ensuring deposit and loan portfolios comply with relevant policy, procedure, legislation, and regulations.
Responsible for the appropriate on-going coaching and mentoring of direct employees, along with continuing the growth of a constructive culture.
Performs weekly coaching sessions with direct employees, around personal development, branch sales opportunities and cross-selling Credit Union products and services and encouraging employees to provide solutions and recommendations to challenges.
Identifies opportunities for direct employee growth; promote motivation, enthusiasm, service excellence, product knowledge and professionalism.
Responsible for providing leadership to branch managers in business development through cross selling all Credit Union products and services and pursuing new business by establishing and maintaining contact with the business community.
Provides clear performance expectations, encourage employees to contribute to individual and team goals, evaluate and document employee performance, initiates discipline when required.
Responsible for facilitating biweekly sales and service
Provides technical direction in all areas of member service functions, balancing, security procedures and product information.
Provides leadership to all employees which may include subordinate branch and department managers; participates in the hiring of new branch employees, implements training and development programs, establishes performance standards, evaluates performance of subordinate employees, initiates discipline, if necessary, conducts employee meetings, and monitors all branch activities to ensure awareness of operational problems and successes.
Develops strategies to promote the sale of all the company’s products and services to expand the existing member book of business, wallet share and new profitable member relationships.
Ensures sales process supports and respect member objectives over sales
Provides recommendations for product or service improvement based on member
Ensures adherence of branch employees to all operating policies, procedures, and security requirements by monitoring branch activities in all areas of deposit and loan functions and initiates action to rectify problem areas.
Implements effective training and development programs for
Monitors all branch activities to ensure awareness of operational challenges and
Contributes to the branches’ design and development of the business plan, policies and programs to meet objectives, and ensures the even flow of communication concerning overall plans and programs to all levels of the branch employees is maintained.
Ensures a maximum utilization of employees and resources within budgetary and policy
Reviews and analyzes branch financial reports on a regular basis and prepares and submits branch reports monthly or quarterly as required.

EXPECTED OUTCOMES OF THE ROLE

The Regional Branch Manager’s successful execution of their role will result in the following outcomes:

Members view the Credit Union as exceeding expectations in terms of service quality (score)
Members are provided with the appropriate products and services that suit their
Employees are knowledgeable about the Credit Union’s products and
Employees are satisfied and motivated in their positions (engagement)
Ensures a professional and safe work environment is
Ensures all policies and procedures are adhered

Qualifications

The Regional Branch Manager will have the following education and experience:

Post-secondary degree of designation in a business-related field or 10+ years of equivalent experience
Minimum 5 years lending experience
Risk management and

REQUIRED KNOWLEDGE, SKILLS AND ABILITIES

Demonstrates strong leadership skills and the ability to develop and maintain high levels of enthusiasm, teamwork, motivation and commitment through leading to the achievement of business goals and exceptional performance
Sales and Service focus with an aptitude for business development and relationship building;
Maintains a positive attitude towards corporate initiatives and change management
Proven ability to coach a diverse team
Ability to communicate clearly and effectively, both verbally and in writing
Strong commitment to continuous learning
Strong analytical skills and entrepreneurial mindset
Proven ability to be creative and innovative
Thorough understanding of and the proven ability to, perform well in a detail oriented, risk management-focused environment
Extensive knowledge of financial products and services
Knowledge and understanding of business planning, accounting, lending and sales is considered an asset
Proficient with various computer applications including risk management, profitability assessment and scenario planning software

Why work for us?

We know our dedicated employees are the key to our success; in return, we offer a total rewards package that includes:

Competitive salary of $111K – $129K based on skills and experience
Competitive benefits including extended health, dental and vision coverage
Health care & Wellnes spending account
Paid vacation, sick time
Continual training, development and coaching
Staff benefits on products such as bank accounts, loans & mortgages
The opportunity to build a satisfying career in an organization that incorporates many leading-strategic initiatives
Being part of an organization that puts their community and employees first

If you are a team player ready to take on an exciting challenge in a progressive, employee-focused environment, we’d like to hear from you

Interested candidates are invited to deliver their cover letter and resume online at our website lakeviewcreditunion.com or send to recruitment@lvcu.ca

Assistant Branch Manager

Lake View Credit Union was founded on August 3rd, 1943, and has been growing strong ever since. We currently have branches in Dawson Creek, Chetwynd and Tumbler Ridge and serve every corner of the Peace through our various digital solutions.

In addition to being a full service financial institution catering to all personal and commercial needs, its staff and board are proud to call the Peace their home

Reporting to the Branch Manager, the Assistant Branch Manager manages the sales and service function in the Dawson Creek branch by leading the achievement of sales objectives, superior member experiences, optimal business retention, including investment and loan portfolios, and initiating action to achieve portfolio growth and profitability goals.

This position champions and develops strategies for sales and service related activities and acts as an ambassador for the branch and organization in the community. The position oversees adherence to Credit Union policies and ensures that work performed is in accordance with established policies and procedures. You will coordinate and manage the activities of the team to deliver optimum sales and service.

Qualifications

The successful candidate will have a minimum of a Post-secondary certification, preferably in Business or Finance, plus 4-6 years of progressive experience in the financial services industry, including demonstrated team or department leadership capability. This background will bring in-depth knowledge in the areas of retail lending. A minimum of 3 years supervisory or management experience, previous experience managing in a unionized setting an asset. An individual with experience plus education and/or training may also be considered.

Lake View Credit Union has a competitive compensation package including an attractive base salary of $82,085 – $96,570 and an excellent benefit and pension package.

To learn more about Lake View Credit Union, please visit our website at https://www.lakeviewcreditunion.com

We welcome applications from all interested applicants looking to further their career in a dynamic, supportive and team oriented environment. Lake View Credit Union encourages all qualified persons to apply. However, only those who are being considered for an interview will be contacted.

This position is full-time, Monday to Friday. It is an excellent opportunity for a community-minded individual to further their career within a successful and growing organization. If this sounds like you, let us know!

To apply, please email a cover letter and résumé to us at

Human Resources Department
Lake View Credit Union
Email: HR@lvcu.ca
Web site:https://www.lakeviewcreditunion.com/careers

Branch Manager (Term)

BRANCH MANAGER

DAWSON CREEK BRANCH

Full-Time TERM (1 YEAR)

SUMMARY

The Branch Manager provides overall management of the sales and service functions of the Dawson Creek branch by leading the achievement of sales objectives, superior member experiences, optimal business retention, including investment and loan portfolios, and initiating action to achieve portfolio growth and profitability goals.

This position champions and develops strategies for all sales and service related activities and acts as an ambassador for the branch and organization in the community. The position oversees adherence to Credit Union policies and ensures that work performed is in accordance with established policies and procedures. You will coordinate and manage the activities of the team to deliver optimum sales and service.

KEY RESPONSIBILITIES

The Branch Manager is accountable for the branch operations, business development, sales management, and service delivery. The Branch Manager is responsible for structuring the department for maximum efficiencies and profit to ensure growth. The Branch Manager will promote business development by being a presence in the community as a representative of the Credit Union and promoting the Credit Union’s business.

Responsible for providing leadership to employees in business development through cross selling all Credit Union products and services, and pursuing new business by establishing and maintaining contact with the business community
Contributes to branch results by implementing actions to support growth and development of branch loan and deposit portfolios
Directly supervises and acts as a team leader/coach to employees, monitors, evaluates, and motivates employees towards goals; establishes performance standards, evaluates, and documents performance of employees; if necessary, initiates discipline
Involved in coaching sessions with employees, around personal development, sales opportunities, cross-selling Credit Union products and services and ensuring that member interactions are consistent with a member centric environment
Interview prospective employees and make hiring recommendations
Responsible for translating the Credit Union’s strategic goals and objectives into “hands on” operational goals and individual action plans for employees
Accountable for the profitability and growth objectives as well as ensuring credit quality
Accountable for deposit and loan portfolios, ensures all activities are in compliance with relevant legislation and regulations
Contributes to the branch design and development of the business plan, policies, and programs to meet objectives; ensures the even flow of communication concerning overall plans and programs
Assists in the development of strategies to promote the sale of the company’s products and services with a goal of expanding the existing member book of business, wallet share and new, profitable member relationships
Responsible for overseeing the design and implementation of training and development programs for employees, to ensure quality of service is maintained, to promote employee growth, and to introduce new or revised procedures; conducts internal department training programs as required; develops and maintain department training manuals
Responsible for facilitating biweekly sales and service meetings
Ensures sales processes support and respect member objectives over sales targets
Provides recommendations for product or service improvement based on member needs
Ensures adherence of employees to all operating policies, procedures, and security requirements by monitoring activities in all areas of deposit and loan functions and initiates action to rectify problem areas
Ensures a maximum utilization of employees and resources within budgetary and policy constraints
Participates in the review and analysis of branch financial reports on a regular basis and the preparation of department and branch reports monthly or quarterly as required
Perform other duties as assigned

REQUIRED KNOWLEDGE SKILL AND ABILITIES

Sales and Service focus with an aptitude for business development and relationship building
Demonstrates dedication to providing quality member sales and service
Demonstrates strong leadership skills and the ability to develop and maintain high levels of enthusiasm, teamwork, motivation and commitment through leading to the achievement of business goals and exceptional performance
Proven ability to coach a diverse team
Ability to communicate clearly and effectively, both verbally and in writing
Strong commitment to continuous learning
Excellent communication and interpersonal skills
Strong analytical skills and entrepreneurial mindset
Proven ability to be creative and innovative
Thorough understanding of and the proven ability to perform well in a detail oriented, risk management-focused environment
Knowledge of credit union services and products, banking system and computer applications
Knowledge and understanding of business planning, accounting, lending and sales is considered an asset

EXPECTED OUTCOMES OF THE ROLE

Provide exceptional services, processes, and products while consistently seeking ways to improve outcomes and enhance service
Ensure accurate and timely member transactions
Exceptional strength in communication, leadership, coaching and development
Positive internal and external service levels are achieved through proactive action and resourcefulness
Prioritizing and making on-the-spot decisions regarding member transactions, weighing member satisfaction issues with company exposure to loss or fraud
Supports the team to achieve results
Responsible for the overall sales results and growth of the department by driving a high level of member sales and service
A positive and professional work environment is maintained

EDUCATION AND EXPERIENCE

Post-secondary certification, preferably in Business or Finance
Minimum 4-6 years progressive experience in the financial services industry, including demonstrated team or department leadership capability
Minimum 3 years supervisory or management experience
Previous retail lending experience preferred
Previous experience managing in a unionized setting an asset

Candidates are invited to email their cover letter and resume to the Human Resources Department at hr@lvcu.ca.

VP, Business Development & Retention

VP, Business Development & Retention

For 78 years, Lake View Credit Union and its members have been helping build a vibrant Peace region community. Lake View Credit Union is a prominent, reputable, long- tenured, full-service financial institution with assets exceeding….million, and serving ….. plus members.

Lake View Credit Union currently has branches in Dawson Creek, Chetwynd, and Tumbler Ridge and serves every corner of the Peace Region through various digital solutions.

In addition to being a full-service financial institution catering to all personal and commercial needs, its staff and board are proud to call the Peace Region their home.

Lake View Credit Union is seeking a VP, Business Development & Retention to be responsible for the overall management of the sales and service functions of the Credit Union by leading the development and achievement of sales objectives, superioer member experiences, optimal business retention, growth, the productivity of profitability goals.

The VP, Business Development & Retention leads and manages the retail and commercial lending teams, who are responsible for relationship building and sales of a full range of deposit and lending products and services. Through managing, coaching, and inspiring employees, the VP, Business Development & Retention will be responsible for all credit union sales and service goals, and develops the business by proactively recognizing and acting upon potential new sales opportunities that attract profitable new business and builds strong member relationships.

This role requires a deep and thorough understanding of the Credit Union’s business strategies and the competitive environment in which Lake View Credit Union operates.

Key Areas of Responsibility

Operations

Manage and control all lending portfolios and communicate directives to maximize profits within an established mix of loans.
Oversee the Commercial and Retail departments (supervise and monitor) operations and service delivery systems.
Assist in the establishment of overall corporate loan growth targets. Establish branch budgets that support the corporate goals. Monitor budgets and take remedial action as required.
Develop strategies to promote the sale of all of the Credit Union’s products and services with a goal of expanding the existing member book of business, wallet share, and new profitable member relationships
Provide direction and assistance in establishing sales targets; ensures that the teams meet sales and service goals.
Ensure that sales processes favour and respect member objectives over sales targets
Promote all the credit union’s products and services with a goal of attracting profitable new business, expanding the existing member book of business, increase wallet share and build new and strong member relationships
Create and sustain a relationship management environment ensuring that the reputation of the Credit Union is not compromised through the behaviour/activities of the staff
Provide guidance and direction in matters concerning the interpretation and application of sales and service practices
Actively contributes to the strategic planning process for the credit union; identifies short- and long-term goals and objectives. Contributes to the design and development of the business plan, policies, and programs to meet objectives; ensures the even flow of communication concerning overall plans and programs to all levels of the branch staff is maintained.
Ensures maximum utilization of staff and resources within budgetary and policy constraints
Ensures adherence of branch staff to all operating policies, procedures, and security requirements by monitoring branch activities in all areas of deposit and loan functions and initiating action to rectify problem areas
Provides input concerning the effectiveness of all branch programs, marketing strategies, and short- and long-term planning activities to encourage and promote branch growth, consulting with senior specialists and external consultants as required to identify and capitalize on the potential for growth opportunities

Credit Union Support

Support CEO in setting short and long-term credit union goals; implement plans to achieve goals.
Support CEO in the development and achievement of sales targets and marketing plans.
In conjunction with the Executive Team, provide recommendations regarding service delivery channels and opportunities that may enhance sales and service.
Works together with other sales and service leaders to deliver consistent information and programs to teams through collaboration and joint meetings as needed, working effectively together to ensure member needs are met through all delivery systems across the service centers.
Prepare various reports for review by the CEO, Executive Management, and Board of Directors.
Support and participate as required in community events that promote the credit union.

Human Resource Management of Sales team

Lead and mentor employees; promote a coaching environment; develop direct reports to their highest potential.
Establishing performance and service standards, conduct performance appraisals, identify training and development needs of staff; if necessary, initiate appropriate disciplinary action.
Ensures the teams meet sales and service goals as established by the Credit Union.
Demonstrate enthusiastic support of the corporate mission, vision, and values, and long-term objectives.
Use effective change management and internal communications to introduce changes
Interview prospective employees and make hiring decisions.
Organize, schedule, and monitor activities to ensure maximum service levels are being provided to members and that work flows smoothly.
Understand the vision, values, and strategic direction and model behaviours consistent with the identified values and image of the credit union.
Proven executive-level leadership skills including strong organizational, interpersonal, leadership, change management, and communication skills;
The ability to multi-task and handle multiple complex priorities, while maintaining a professional disposition at all times;
Strong financial, analytical, research, problem-solving, judgment, and conceptual skills;
Knowledgeable, mature, and able to establish credibility quickly at all levels of the organization;
Strong team player with a collaborative working style;
Ability to mentor, coach, and support the development of teams to meet current and future organizational requirements;
A strong desire to be part of a growing and successful Credit Union and to play a significant role in its future evolution.

Required Knowledge, Skills, and Abilities

Proven executive-level leadership skills including strong organizational, interpersonal, leadership, change management, and communication skills;
The ability to multi-task and handle multiple complex priorities, while maintaining a professional disposition at all times;
Strong financial, analytical, research, problem-solving, judgment, and conceptual skills;
Knowledgeable, mature, and able to establish credibility quickly at all levels of the organization;
Strong team player with a collaborative working style;
Ability to mentor, coach, and support the development of teams to meet current and future organizational requirements;
A strong desire to be part of a growing and successful Credit Union and to play a significant role in its future evolution.

Required Education and Experience

The ideal candidate will bring to the role:

Post-secondary education in business, finance, and/or accounting, supported by role-specific formal training, or a combination of education, experience, and proven success.
10+ years of progressive financial services leadership experience in a Credit Union, a financial institution, or in a related field
Thorough knowledge of the Canadian Credit Union System and the cooperative principles
In-depth and hands-on experience in loan portfolio management including products, functions, and processes
Demonstrated success in business development activities that have resulted in business growth

Credit Union Location

Dawson Creek is located in the Peace Region is located in the northeast of the province, between the Rocky Mountain Foothills on the west and the Alberta Plains on the east, this is a land of diverse and fantastic beauty.

To learn more about Dawson Creek and surrounding communities, please visit https://www.dawsoncreek.ca

To learn more about Lake View Credit Union, please visit our website at https://www.lakeviewcreditunion.com

We encourage all interested applicants to send a resume and cover letter to:

Gail Pearce at Gail Pearce Recruiting

Email gail@gailpearcerecruiting.com

Email subject: Lake View Credit Union VP, Business Development & Retention