Manager Commercial/Agricultural Services

Job Title: Manager Commercial/Agricultural Services

Reports To: Chief Executive Officer (CEO)

If you are the right person Southwest Regional Credit Union welcomes applicants to apply for this great job opportunity!

Our History:

Southwest Regional Credit Union is a full service Credit Union meaning we offer a wide variety of products and services to fulfill our membership needs, including several borrowing options and wealth management services. All our member deposits, with the exception of Mutual Funds, Membership Shares and US Accounts are insured through the Financial Services Regulatory Authority of Ontario (FSRA). Southwest remains a strong organization and well positioned to meet both current and future financial needs of our members. The Credit Union aims to return a considerable portion of annual earnings to members via dividends and loan interest rebates.

We have come a long way since 1939 and much has changed – but the Credit Union still believes in its roots of ‘Serving People with People’ and is focused on providing superior service to its membership. Our history shows just how much we have grown, but our future is always focused on providing “Banking Like it Used to Be.”

Job Summary:

The Manager Commercial/Agriculture Services is responsible for building and maintaining a portfolio of commercial and agriculture businesses. The incumbent delivers a broad range of commercial and agriculture services and initiates and/or participates in business development activities to grow the portfolio through consolidation and retention of existing business and by obtaining new business from potential members. The Manager Commercial/Agriculture Services ensures the completion of reviews on portfolio accounts including property site visits as required.

The Manager Commercial/Agriculture understands his/her role as brand ambassador and provides a positive brand experiences to all members and industry partners.

Duties and Responsibilities:

Contribute to and implement strategic action plans and commercial/agriculture business development tactics based on established sales strategies
Responsible for the supervision of administration staff within the department
Proactively participate in various external activities such as community events
Work closely with Branch staff to support existing and new commercial/agriculture member relationships by acting as a key advisor and subject matter expert
Respond to all business opportunities in a timely manner and effectively manage any member concerns or issues
Collect and compile information and analyze financial statements to assess credit worthiness
Provide sound credit approvals within lending limits while balancing the needs of the member and SWCU, making recommendations for approvals/declines to the CEO or designate if outside discretionary limits
Process syndicated loan applications as requested
Responsible for quality of business generated and achieving expected revenue and growth targets
Ensure all assigned commercial/agriculture files are reviewed on a regular schedule and that all required documentation is in order; review loan risk and make short- and long-term recommendations on files posing potential risk problems
Review commercial/agriculture overdraft reports and take appropriate action where required
Generate and review monthly reports tracking the performance and status of the Commercial and Agricultural portfolio, and any other specific reports as requested for review by the CEO and Board of Directors
Develop and maintain a strong business relationship with all members within the portfolio
Maintain and contribute to strong business relationships with industry partners including but not limited to Aviso, CUMIS and Central 1, and third-party vendors including but not limited to Collabria and POS Merchant Services
Establish and maintain professional relationships and effective communication with realtors, brokers, builders and new members in order to develop commercial/agriculture lending referral opportunities from this business referral network and other referrals including but not limited to merchant services, deposits, insurances and wealth management opportunities
Provide excellent client service to internal and external parties
Be aware of enterprise risk management issues as they relate to Lending Services and bring forward strategic and risk issues for discussion, review and solutions to the CEO or designate
Stay current with general economic indicators and industry sector trends
Maintain a thorough knowledge of policies and procedures as they pertain to the operations of Lending Services

Work safely in accordance with SWCU’s Health & Safety Policy, procedures and the Occupational Health and Safety Act as amended from time to time

Contribute to the development of sales and service goals and objectives for SWCU branches in consultation with the CEO or designate
Assist the branches to operate within established and accepted risk management guidelines, Anti-Money Laundering, Privacy and any other applicable legislation in consultation with SWCU policies and procedures
Perform any other necessary tasks that may be required, and that have been deemed reasonable for this position. We require full commitment to the sales expectations that may be laid out for the branch and guided by the CEO or their designate

Qualifications:

University business degree or equivalent work related experience
Minimum 8 years experience as senior lender managing large credits in terms of size and complexity
A background in farming, agri-business or commerce an asset
Experience in dealing with high risk or watch accounts an asset
Proven ability to successfully manage the relationship with existing lending accounts
Proven quality of credit analysis including completion of credits, accuracy and sound judgement in credit decisions
Proficiency with financial statement analysis and a general understanding of accounting and the various forms of business structure like sole proprietorship, partnership, incorporation and unincorporated associations
Member focused experience in the financial services is an asset
Possess a thorough understanding of SWCU products, services and banking system
Possess an understanding and commitment to the co-operative philosophy within the credit union system

We are an equal opportunity employer values diversity in our workforce, as well as in our members, suppliers and others. We provide equal employment opportunity for all applicants and Employees and do not discriminate on the basis of race, ancestry, place of origin, colour, ethnic origin, citizenship, creed, sex, sexual orientation, gender identity, gender expression, age, record of offences, marital status, family status, disability or any other characteristic protected by local law.

Interested candidates can apply in confidence to the Director of Human Resources to hr@southwestcu.com

Senior Analyst, People Solutions

Company Description

Central 1 is the partner of choice for financial, digital banking and payment products and services – fueling the success of businesses across Canada. With $16.9 billion in assets, we leverage our scale, strength and expertise to power progress for more than 225 credit unions and other financial institutions, enhancing the financial well-being of more than five million customers from coast to coast. For more information, visit Central1.com.

It’s important we succeed, because the banking industry is one where disruption rules and old ways of doing business are quickly becoming a thing of the past. Central 1 is here to keep Canada’s financial marketplace diversified, support Canadians who want a choice when it comes to banking, and do good for the communities we serve.

As Central 1’s HR consulting agency, People Solutions offers a suite of strategic, data-driven, and innovative human resources consulting services.

Because of COVID19, all Central1 offices are currently closed to non-essential employees. This role will see you working remotely until our offices are reopened. The timeline to reopen is still under consideration, as are our future remote working policies.

Job Description

The Senior Analyst provides HR generalist expertise to consulting projects for Canadian credit unions, supporting Consultants on large and complex consulting projects, and managing less complex consulting projects directly. HR analysis and consulting support covers services in compensation, talent and recruitment, organizational design, and board effectiveness. This position may project manage survey processes and reporting and may provide technical guidance and work leadership to junior department staff.

What you’ll be doing:

Providing core support on complex consulting projects. This includes proposal and services agreement development, research, discovery documentation, data compilation and analysis, complex report preparation and client follow-ups. Making recommendations based on research and analysis for review by Consultants.
Managing consulting projects of a limited scope from end-to-end, involving client need analysis, project plan development (i.e. timelines and cost estimates), compilation and analysis, development and delivery of recommendations.
Delivering quality services to meet clients’ needs; building relationships with clients; identifying opportunities and making recommendations to enhance or introduce products and services.
May be assigned overall product leadership for one or more products.
Upholding organizational and departmental policies, standards and guidelines.
Contributing to overall effectiveness and success of the People Solutions team

Qualifications

What you’ll have:

Bachelor’s degree in Human Resources and four to six years related experience, or an equivalent combination of education and experience
An HR designation – or working towards achieving a designation (CPHR, CHRP, SHRM-CP, CCP) would be an asset
Strong generalist knowledge and exposure to all aspects of human resources
Experience with survey methodology and trend research and reporting
Advanced analytical and organizational skills
Advanced computer skills using MS suite of products, and aptitude for learning and using technology to build business solutions
Solid written and oral communication skills with ability to communicate complex ideas and concepts clearly and concisely
Demonstrated project management skills and ability to manage competing priorities and project deadlines
Ability to maintain confidentiality of sensitive information.
Collaborative team player with strong client service orientation
Alignment to the values of the cooperative movement and credit union system

Additional Information

As much as we believe in working hard, we also believe in personal growth and taking time for ourselves. Accordingly, our total rewards philosophy amounts to one of the best compensation and benefits packages in the industry – from performance-based incentives and extended benefits, to training and education reimbursements and ample vacation time.

Central 1 is committed to building a diverse and inclusive workforce by creating an environment where everyone feels like they belong and has the opportunity to be successful. We are welcoming of all applicants and we will provide an accessible candidate experience.

Reporting to: Director, Human Resources
Location: Vancouver, British Columbia, Mississauga or Toronto

Flexibility for travel and work outside of traditional hours (evenings and weekends) will sometimes be required.

Leader, Commercial Services & Business Development

The Leader, Commercial Services supports company growth by seeking out new commercial business opportunities which will promote profitability. This position is responsible for the development and execution of commercial and small business strategies and leadership of the team. Through effective and strategic sales management and leadership, they coach, mentor and develop the team. Supports member satisfaction and increases market share while growing a sales culture through sales and relationship management. This will include but not be limited to development of business for current and potential members, recommending modifications to policies in response to new or changing circumstances; proactively develop a network of relationships and performing other related duties to further growth of Pathwise Credit Union. This role also participates in the strategic planning process for the credit union while providing strong leadership, organizational, impact, influencing and presentation skills.

ROLE ACCOUNTABILITY

Leadership:
• Responsible for communicating credit union initiatives and supporting the Commercial Department team to meet their business objectives.
• Directs and is ultimately accountable for the recruitment and development of a team of qualified, professional and capable employees.
• Responsible for creating a respectful environment that stimulates, guides and encourages employees to realize their maximum potential and encourages professional development.
• Provide leadership, management, coaching and clearly defined, measurable goals and expectations to the Commercial Department staff.
• Understands, respects, and supports Pathwise’s commitment to corporate social responsibility.
• Accountable for the oversight leadership for all Pathwise business centres.
• Responsible and accountable for the development and implementation of service standards for Commercial department.
• Accountable for the operations and performance of the Commercial department.

Business Development & Community
• Responsible and accountable for the development and implementation of sales strategies for the Commercial department by contributing sales information, analysis and recommendations to the corporate sales plan.
• Grows and manages a profitable commercial portfolio.
• Works independently to generate credit and deposit opportunities.
• Responsible to represent Pathwise, build relationships and proactively build business in the community.
• Strong and proven track record of business development and origination, relationship building, and portfolio management.

Risk, Audit and Administration
• Responsible for writing large and complex commercial credit and approving credit written by others.
• Responsible and accountable for the establishment, implementation and continuation of sales management routines in the department that support the sales plan and overall credit union business plan.
• Is the resident expert for all Commercial policies, products and programs. Provides leadership and strategic guidance to the Commercial department.
• Ensures compliance of risk management, cost and pricing in the achievement of sales objectives.
• Minimizes loan risks through diligent, timely and proactive annual financial reviews and ongoing monitoring of changing economic/marketplace influences and applicable industry trends/data.
• Responsible and accountable for the development, implementation and management of the budget including all capital, operating and personnel expenses.
• Accountable for maintaining current and relevant knowledge of industry trends, competitor products and strategies.
• Responsible and accountable to work within the assigned credit limits for lending and approvals.

QUALIFICATIONS

Knowledge, Skills & Capabilities
• Exceptional leadership and management skills.
• Experience in change management.
• Proven sales experience, sales and pipeline management.
• Experience in commercial business sales management.
• An understanding of marketing and business development.
• Experience in financial management, credit risk management and developing budgets.
• Understanding of corporate tax and financial statements.
• Knowledge of credit union philosophies, principles, legislation, regulations, policies and procedures is an asset.
• Understanding of credit union operations is an asset.
• Experience leading and coaching sales teams.

Education and Experience
• Bachelor’s degree in a related field.
• Ten or more years’ job-related experience, with a minimum five years in a commercial lending role, or an equivalent combination of education and experience.
• Management experience strongly preferred.
• Ability to travel (local) and work flexible hours, as required.
• Must be bondable.

APPLICATIONS

Candidates should submit their application, cover letter and resume to:

Attn: People and Culture

E-mail: careers@pathwise.ca

ACCOMMODATION

In accordance with the Ontario Human Rights Code, Accessibility for Ontarians with Disabilities Act, 2005, accommodation will be provided in all parts of the hiring process. Applicants need to make their needs known in advance by contacting us at careers@pathwise.ca, subject line “accommodation”.

VeriBranch Lead

VeriBranch Lead

Permanent Full-time

Open to any location in Canada

Closes February 24

At Innovation Credit Union, we redefine banking by helping Canadians simplify their lives and reach their financial goals by reinvesting profits into our members, our communities and our people. Now that’s responsible banking!

THE POSITION: Under the direction of the Manager, Digital & Core Banking, the VeriBranch Lead is responsible for evaluating business processes, anticipating requirements, and uncovering areas for improvement during the implementation of VeriBranch, an omni-channel banking platform. Areas of responsibility include:

Work with the vendor to match business processes to vendor workflows
Lead ongoing reviews of business processes and developing optimization strategies
Collaborate with vendors to establish and document shared testing strategies and processes
Lead team members in test planning, test case creation and test execution activities
Attend meetings and delivering presentations to share ideas and findings
Work closely with vendor, technicians, and business units
Ensure vendor solutions meet business needs and requirements
Perform functional and user acceptance testing
Support the Project Manager on project management activities

Some of the skills and abilities we would prefer to see in your application:

Bachelor’s Degree / Master’s Degree preferably in Business, Computer Science, Engineering, or a related field
A minimum of 4 years’ experience in business analysis or a related field
Advanced project management skills including Agile
Exceptional analytical and conceptual thinking skills
The ability to influence stakeholders and work closely with them to determine acceptable solutions
Advanced technical skills
Excellent documentation skills
Competency in Microsoft applications
History of strong professional development

Compensation will commensurate with qualifications and experience. Innovation Credit Union offers a comprehensive employee benefits package including a 7% company matched pension plan. An attractive variable incentive program is also available.

Salary Range: $75,200 to $94,000

DATA MODELER

Open to any location in Canada – ability to work REMOTELY

At Innovation Credit Union, we are on the journey to leverage our data as a strategic asset and to deliver better member experiences. We are in the process of modernizing our data warehouse so it can adapt to new data technologies and remain relevant for new data-driven business requirements, such as advanced analytics, multichannel marketing, and other digital enterprise programs.

To help carry us forward, we are searching for an experienced data modeler, a doer, a motivated self-learner, to join our team. The ideal candidate should be able to identify new technologies to solve problems and highly skilled in the development of the data model by providing thought leadership, business analysis and organization skills. Reporting to the Data Governance & Architecture Lead, the Data Modeler will organize working sessions to gather requirements from various subject matter experts and analyze overall business needs. Serve as a reference and authority on the process of data modeling and ensure consistency with existing data models and data architectures and establish standards and guidelines. This role requires strong technical skills like connecting disparate data sources, as well as business knowledge, interviewing and analytical skills and excellent oral and written communications skills.

If this sounds like what you want out of a career, visit the CAREERS page of our website to learn more about this position and to apply.

www.innovationcu.ca

Only those applications submitted through our on-line job board will be considered.

Apply by February 23, 2021 via the careers page of our website. Only those applications submitted through our on-line job board will be considered.

DATA SCIENTIST

Open to any location in Canada – ability to work REMOTELY

At Innovation Credit Union, we are on the journey to leverage our data as a strategic asset and to deliver better member experiences and product and services growth milestones. We are in the process of modernizing our data warehouse so it can adapt to new data technologies and remain relevant for new data-driven business requirements, such as advanced analytics and multichannel marketing.

The person in this position has data science experience in statistical programming: Python, R. Database analytics tools and machine learning frameworks, technologies, and platform: SQL, Databricks, Azure ML, AWS SageMaker, Azure, AWS. Experience in data integration with upstream and downstream systems, data development, database structures and data transfer methods: ETL, API. Strong experience in data-driven marketing with focus on segmentation and measurement. Exposure to marketing tech is strongly preferred – digital analytics platforms: Adobe Analytics, Google Analytics. Experience with Reporting and Visualization tools is strongly preferred: POWER BI.

If this sounds like what you want out of a career, visit the CAREERS page of our website to learn more about this position and to apply.

www.innovationcu.ca

Only those applications submitted through our on-line job board will be considered.

Apply by February 23, 2021 via the careers page of our website. Only those applications submitted through our on-line job board will be considered.

DATA GOVERNANCE & ARCHITECTURE LEAD

Open to any location in Canada – ability to work REMOTELY

We recognize that there is a need for ownership and standards, and we acknowledge there is room for launching a tailored data governance framework addressing obvious pain points within our organization. We are searching for a Data Governance & Architecture Lead to help us realize the vision of a managed and effective data governance framework which will be an integrated part of how we conduct our business. Reporting to the VP Digital & Fintechs, this is an exciting opportunity for a trail blazer that can bring about data driven transformation and execution of enterprise-wide, governance and management of data assets. As a member of the Business Intelligence Team, the Data Governance & Architecture Lead will drive the agile approach for the operational effort and execution of data governance, enabling business via the development and implementation of data quality standards, and effective use of data while minimizing privacy, security, operational and reputational risks associated with data.

If this sounds like what you want out of a career, visit the CAREERS page of our website to learn more about this position and to apply.

www.innovationcu.ca

Only those applications submitted through our on-line job board will be considered.

Apply by February 23, 2021 via the careers page of our website. Only those applications submitted through our on-line job board will be considered.

Director of Commercial Services

JOB DESCRIPTION

Title: Director, Commercial Services Grade: 11

Department: Commercial Services Reports to: President & CEO

Mission

As a proud and socially responsible financial co-operative, we exist to improve the financial lives of our member owners.

Vision

Consistent and sustainable growth will make Your Credit Union a recognized leader among Eastern Ontario credit unions.

Position Overview:

This employee supports company growth by seeking out new commercial business opportunities which will promote profitable growth for YCU. This is accomplished by seeking opportunities to promote and increase the sale of commercial services. This will include but not be limited to development of business for current and potential members, recommending modifications to policies in response to new or changing circumstances; proactively develop a network of relationships and performing other related duties to further growth of YCU. The Director of the commercial team is on the senior management team and actively participates in the strategic planning process for the credit union while providing strong leadership, organizational, impact, influencing and presentation skills.

Job Specifications

A post-secondary education and/or related experience in a financial institution or comparable industry, with extensive credit granting ability, together with the ability to interact at any level within the organization and in a business development capacity within the community. A minimum of 10 years progressive experience in sales/service and managing a diverse portfolio in a Business Banking environment, including 5 to 7 years of Management experience.

Duties & Responsibilities:

Grows and manages a profitable commercial financing portfolio of diversified Commercial business members.
Strong, proven, origination, business development, relationship building and portfolio management skills.
Keeps 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 generates credit and deposit opportunities through cultivation of prospects, calling on referral resources, and networking with centres of influence.
Minimizes loan risks through diligent, timely and proactive annual financial reviews and ongoing monitoring of changing economic/marketplace influences and applicable industry trends/data.
Effectively manages loan risks, develops risk issues and adjusts to the changing credit needs to restructure deals and minimize losses.
Structures, negotiates, and documents 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.
Demonstrates a well-developed understanding and solid analytical skills in the areas of balance sheets, cash flow mechanics, and business plans presented by Members.
Exhibits strong general business acumen coupled with the ability to develop a comprehensive finance package structured exclusively to meet the member’s credit and non-credit needs.
Mentors and coaches less experienced Commercial Services colleagues through collaborative teamwork and provides advice regarding account management and credit structuring.
Effective knowledge of banking systems and personal computer applications

Other duties as assigned from time to time by manager or their designate

Mobile Mortgage Specialists – Various locations

Join one of Canada’s Best Managed Companies as a Mobile Mortgage Specialist and be part of a passionate team that is reshaping a $6-billion residential mortgage business. We are looking for highly motivated individuals with proven experience and an entrepreneurial spirit to join our teams in British Columbia to cover the Vancouver region (North & West Vancouver; Kamloops and Kelowna) and in Ontario to cover the Southern region (Windsor, London, Niagara, St. Catharines and Guelph) and Ottawa and the surrounding areas.

The Opportunity

We are searching for experienced Mobile Mortgage Specialists who can hit the ground running from day one! If you are looking to take your career to the next level, this position offers a unique opportunity for you to influence change and achieve your professional goals. Relying on your demonstrated experience in the Canadian mortgage industry, you will learn our business quickly. We pride ourselves on meeting our customers where and when they need us, and on developing strong relationships with them so they continue to recommend and bank with us. You will also build your centres of influence to help you gain referrals.

We will reward your effort with a competitive compensation package that includes a continuous base salary and a commission structure with significant earning potential. We offer a comprehensive benefits program, a great company culture, and a flexible work environment that includes setting you up in your own home office. Concentra is committed to providing you the tools, support and competitive rates to ensure your success and meaningful opportunities for learning and development.

The Role

As a Mobile Mortgage Specialist, you will know how to develop business from a variety of sources to generate new leads and build a pipeline of mortgage referrals. As an expert in this business, you understand the local market and your customers’ needs; you have built a reputation by providing exceptional customer service and financial solutions. You are familiar with current mortgage offers around technology, processes, and customer touchpoints and you know how to manage your time efficiently while balancing a strong focus on customer service excellence. You will have access to marketing, sales and social media support as well as dedicated coaching and leadership support from the Director of Sales.

Qualifications

· Successful completion of a business degree or an equivalent combination of education and experience in a related field

· 3-5 years of proven sales experience in the Canadian mortgage industry

· Banking experience is an asset

· Accredited Mortgage Professional (AMP, preferred) or courses to satisfy provincial regulatory requirements

· Strong communication and negotiation skills

· Proven exceptional relationship building and networking capabilities

· Established centre of influence for referral purposes

· Experience with technology and use of digital channels and devices

To apply, please visit our Career page at www.concentra.ca.

Concentra’s goal is to achieve a workforce as diverse as the people with whom we partner. We encourage all members of the designated groups: aboriginal people, persons with disabilities, women, visible minorities, and others to join our team. We strive to provide a safe and respectful work environment, free of discrimination and harassment. We are committed to an inclusive, barrier-free recruitment and selection process. We thank all applicants for their interest; however, only those selected for an interview will be contacted.