Lending – Commercial – Credit Union Careers

Manager, Business Banking

Are you a strategic leader who loves to execute business strategies with a solid understanding of small business, commercial, agriculture and advisory services? Are you looking for a challenging new career where strong business and people development are at the forefront? Do you value and foster performance excellence, innovation, efficiency, and trusted advice?

If so, look no further, Westoba Credit Union is looking for a Manager, Business Banking just like you!

The Manager, Business Banking leads and executes strategies in support of organizational advice and service objectives. This role has a solid understanding of small business, commercial, agriculture and advisory services. The Manager, Business Banking cultivates a proactive member service culture, growing Westoba’s book of business by providing options to members through all service delivery channels. This position looks for ways to do things easier, better, and faster, contributing to building a Nimble organization.

A day in the life as a Manager, Business Banking – Brandon/Westman Area:

Lead and coach direct reports to ensure policies, procedures and programs enhance the quality of the work environment and ensure that the credit union fulfils its responsibility as an employer.
Foster and maintain a positive work environment conducive to high performing teams and highly engaged staff.
Manage and oversee a portfolio of high valued members.
Represents Westoba Credit Union in the Brandon and Westman region.
Evaluate the performance of staff; coach and support individual training and development needs.
Collaborate with the Senior Management and with other members of the leadership team to execute strategic plans, policies, and operational procedures.
Grow Westoba’s business banking portfolio through enhanced advice and service delivery models which include online and virtual services.
Proactively monitor department results against targets to ensure organizational efficiencies and increased revenues are achieved.
Ensure appropriate internal controls at the department level; monitor all business lending activities ensuring compliance with legislation, regulations, and Westoba’s policies and procedures.
Prepare and implement comprehensive business plans to facilitate financial target achievement by planning cost-effective operations and market development activities.

What you bring to the table:

Post-secondary education is required, a diploma in Business Administration is preferred.
Five to seven years of commercial and agriculture banking experience is expected; minimum five years in a leadership experience is expected.
A combination of education and experience may be considered.
You are motivator and inspirational to your people – we are looking for a leader.

What Westoba has to offer:

Competitive compensation and benefits
Company-matched pension program
Results-orientated bonus program
Dollars invested in your education.
Discounted rates on your annual GoodLife Fitness membership
Plus, awesome financial perks including:
- No-fee chequing and savings accounts.
- Preferred rates on deposits
- Discounted rates on loans

*Position close date – February 24^th, 2023*

If this is you, please submit your cover letter and resume by accessing our Westoba Career page – https://westoba.com/about-us/careers/. If this role is not right for you, referrals are always welcome.

If you have any questions regarding this opportunity, please reach out to hr@westoba.com.

We thank all applicants; however, only those who are short-listed will be contacted.

Farm and Business Advisor

Farm & Business Advisor – Emerald Park Branch

Join the Cornerstone Crew!

Be Part of Something . . . .

Are you an outgoing individual who is great with numbers, and even better at building relationships? We’re looking for a dedicated Farm & Business Advisor who thrives in a fast-paced work environment and prides yourself on helping others to join our team at the Emerald Park branch of Cornerstone Credit Union!

As a Farm & Business Advisor you’ll be an important part of a team of knowledgeable salespeople who share a genuine commitment in partnering with our members to achieve their financial goals.

Reporting to the Manager, Farm & Business, you will create exceptional member experiences for both new and existing members by delivering smart financial advice, solutions and alternatives through proactive needs-based sales and services. Through the management of diverse accounts, you will manage an assigned Farm & Business portfolio consisting of medium market commercial enterprise and agriculture accounts.

What We Are Looking For . . . .

To be considered for a Farm & Business Advisor at this level you must have a minimum of 5 to 7 years of progressive experience in sales and service managing a diverse portfolio in a farm and business banking environment along with professional qualifications by degree or combination of education and experience.

We are seeking a candidate who can handle whatever is thrown their way. We want someone who is driven, sharp, figures out problems and enjoys talking to people. A sense of humor is required. If it sounds like we expect a lot – we do. We’ve created a “MemberFirst” workplace that we are passionate about.

What You will Receive . . . .

Our employees enjoy a competitive compensation and benefit package that includes matched pension contributions and wellness and employment perks that contribute to a healthy work-life balance!

On top of earning a bi-weekly paycheque, you will also be eligible to receive additional pay for outstanding individual performance through our incentive pay program!

Formal & informal development opportunities offering challenge and growth.

The opportunity to be an integral member of a team of professionals in a supportive and collaborative environment motivated to do the best for their team and their members.

Opportunity to create connections that will establish you as the go-to-expert in the community.

We Say We Care, and We Mean It ♥

Cornerstone Credit Union has been named one of Saskatchewan’s Top Employers for 2022! This is the 6th consecutive year we have received this recognition.

We serve approximately 39,000 members in 15 branches, employ around 280 people and manage assets of about $2.1 billion.

We are a Cornerstone family; fun, inclusive, supportive and respectful.

Wouldn’t you want to be a part of that!

Check out our website at www.cornerstonecu.com.

For more information, or to apply now, you must go to the website below. Please DO NOT email your resume to us as we only accept applications through our website.

https://cornerstonecu.prevueaps.com/jobs/245017-37571.html

Commercial Account Manager (Trainee)

At ABCU Credit Union Ltd. (ABCU) our culture is based on the foundations of Service Leadership. Our approach is to deliver excellent experiences to employees to ensure our employees engage our members based on their goals and interaction preferences with the end goal of increased member satisfaction, loyalty, and advocacy.

The Commercial Account Manager Trainee role is part of the Commercial Services team and ABCU. This role is a learning role, designed to ensure that an exceptional “Service Leadership” experience to our members by learning all aspects of both consumer and commercial credit. The Commercial Training Officer training program is a formal learning path that requires the incumbent to be a self-starter and seek to learn over the length of the training program.

At the successful completion of the training program, the incumbent is considered fully trained and will be promoted to the role of Commercial Account Manager.

The Training Program

The training program plan provides training for the different aspects of credit. This onboarding program is 24 months (about 2 years) in length and can be adapted based on the incumbent’s previous experience. The program consists of 5 modules in credit, and each module will be followed up by a test to ensure competency. Throughout the training program, the incumbent is assigned a mentor to ask questions and be a resource through each training section.

Module 1 – ABCU – Basic Banking Skills

After completion of this module, the incumbent will have general knowledge and understanding of all aspects of basic banking skills needed to engage members in conversations. Training includes:

Account Openings – retail and business.
Full understanding of Mobile applications.
Full understanding of ABCU’s Online applications.
Member enquiries through the contact center.
Week in the life of an Investment/Insurance Specialist.

The training will be a combination of individual self-study, job shadowing and direct member engagement. This module will take 60 days (about 2 months) to complete. The length of time is dependent on the incumbent’s previous experience.

Module 2 – Consumer Credit

At the completion of this module, the incumbent will have knowledge and understanding of all aspects of consumer credit. Training includes:

Product knowledge.
Taking credit applications and interview skills.
Completing credit checks and understanding credit and beacon scores.
Credit adjudication process.
The approval process is both manual and through the Valeyo origination system.
Completion of pay no pay for consumer members.
Forms and Security.
Creditor and general Insurance conversations and referrals.
Wealth conversations and referrals.
Administration – file prep, funding, registration of security, completing paid out loans.
Successful completion of Personal Lending and Mortgages (PLM) and Personal Financial Services and Advice (PFSA) through the Canadian Securities Institute (CSI).
Attestation (Compliance),

The training will be a combination of individual self-study, shadowing and through member engagement. This module will take 180 days (about 6 months) to complete. The length of time is dependent on the incumbent’s previous experience.

Module 3 – Commercial Services Administration

At the completion of this module, the incumbent will have knowledge and understanding of all aspects of commercial credit administration. Training includes:

Product knowledge.
Credit Expiry – member engagement and administration.
Margining accounts.
Preparing loan and operating account documentation
Loan disbursements
Security, registering and discharging.
Paid out loan files.
Facilitating and signing loan, investment, insurance, and account documents.
Attestation (compliance).
Letters of Credit – reviews.
CSBFA loan administration.
Handle member inquiries.
Completing commercial credit card applications.
Completing payments for syndicated loans.

The training will be mostly through self-study and shadowing. This training also will provide the opportunity for holiday coverage for the Business banking Support role. This module will take 60 days (about 2 months) to complete. The length of time is dependent on the incumbent’s previous experience.

Module 4 – Commercial Credit

At the completion of this module, the incumbent will have knowledge of all the aspects of commercial Credit. Training includes:

Financial Statement Analysis.
Credit Applications/interviews.
Credit Analysis.
Credit Approvals.
Credit expiries.
Completion of pay no pay for commercial members.

This training will be through courses, self-study and shadowing and will provide the incumbent with a good foundation as a commercial lender. This module will take 180 days (about 6 months) to complete. The length of time is dependent on the incumbent’s previous experience.

Module 5 – Commercial Account Management

At the completion of this module the incumbent will have the basic knowledge to manage a commercial portfolio of members. Training includes:

Portfolio Management techniques.
Portfolio management tools.
Maximizing the member experience through proficiency in:
- Insurance solutions for small businesses.
- Succession Planning.
- Wealth Management Level 2.
Prospecting and asking for referrals.
Commercial Brokers.
Centers of influence – actively involved with Chamber of Commerce in Edmonton and Beaumont.

This training is mainly hands on with self-study and working with experienced portfolio managers. This module will take 90 days (about 3 months) to complete. The length of time is dependent on the incumbent’s previous experience.

Coaching

The incumbent will have a coach(s) through the training program that will provide ongoing feedback. The incumbent will create their own learning plan and work with their coach to ensure they are on track for completion of the training program. Coaching sessions will be frequent at the start of each module to ensure understanding and comfort.

Accountability

Work is varied and complex.
Variation in work routines and sequences; works under general direction.
Tasks are to be prioritized based on urgency.
Judgment and decision making are required in choosing from a wide variety of guidelines.
Positive attitude and willingness to learn and be part of a team.

Experience Required

Grade 12 or equivalent.
Comfort and ability to work with a high level of detail/accuracy.
Proficient use of Microsoft Office Suite (Word, Excel, Outlook, SharePoint).

Internal/External Contacts

Incumbent will have contact with all employees and members of ABCU, Fidelity National Finance (FNF), CRI Canada, and related businesses.
Incumbent will have contact with other credit unions, banks, trust companies, other industry related businesses, lawyers, and government and regulatory bodies.

Corporate Core Values – Demonstrate the Corporate Values as identified below:

Trust, Teamwork and Accountability

Takes full ownership for actions and outcomes; others trust us to deliver what we commit to.
Displays the courage to make bold decisions; we hold each other accountable.
Demonstrates collaboration and teamwork.
Demonstrates sound decision making.
Demonstrates professionalism.

Open Communication

Demonstrates active listening.
Demonstrates clear and concise written and verbal communication.
Demonstrates responsiveness to internal and external member inquiries/requests whether incoming telephone calls, in-person visits or on-line chats.
Understands differing perspectives and finds common ground; acknowledges when own words or actions are misinterpreted.
All opinions and perspectives are heard, respected, and acknowledged.

Coaching

Can disclose personal beliefs and is open to hearing other perspectives.
Respecting, valuing, and partnering with others; assisting people enhance their effectiveness in a way they feel helped.
Uses proper coaching language.
Ability to diagnose an issue and propose a solution.
Giving and receiving feedback.

Innovation and Creativity

Recognize and be open to the need for change in our environment and industry – (Change).
Constantly challenges us to find new ideas and solutions – (Idea Generation).
Eager and tenacious to continuously improve internal processes, practices, and procedures – (Process Improvement).
Ability to anticipate problems and generate solutions/actions within scope of role – (Risk).
Encourage and appreciate differing opinions, styles, preferences, cultures, etc…. – (Diversity).

Interested candidates please provide a cover letter, salary expectations and resume to:

Ms. Roza Sabety, ABCU Credit Union

rsabety@abcu.ca

ABCU thanks all applicants for their interest; however, only those selected for an interview will be contacted.

Closing date: this position will remain vacant until a suitable candidate is identified.

Branch Manager Trainee

The Position:

The Branch Manager Trainee is a mobile position and must be willing to relocate to Rural Alberta/East Central Communities.

The Branch Manager Trainee is to train on all aspects to become a Branch Manager. The Branch Manager Trainee shall direct and manage all branch activities in order to achieve specific goals and targets. Serve our members to the highest standards so that Vision Credit Union Ltd. can increase brand equity and reputation. Invest time and money in our personnel to ensure high retention rates, and attract qualified applicants. This position oversees that the staff performs all operational functions while conveying a feeling of trust, security and satisfaction to members and staff.

This is a full time permanent position.

For complete job posting details, please visit our website www.visioncu.ca/personal/aboutus/careers

The Person:

Minimum 5 years of credit granting or other financial institution lending experience.
Excellent critical analysis and decision making skills are essential for success in this role. In addition, excellent oral and written communication, high attention to technical detail and proven ability to work effectively in a time sensitive and team environment is necessary for this position.
Cooperative or Credit Union industry experience is a benefit.

Compensation:

Salary range $60,000 to $80,000/annually
Comprehensive benefits package.

SUBMIT RESUME AND COVER LETTER TO:

Jennifer Hormann,

Vice President of Human Resources

Vision Credit Union Ltd.

Corporate Office

5007 – 51 Street

Camrose, Alberta T4V 1S6

Fax 780-679-5996

Only those individuals invited for an interview will be contacted.

Branch Manager

The Position:

The Branch Manager shall direct and manage all branch activities in order to achieve specific goals and targets. Serve our members to the highest standards so that Vision Credit Union Ltd. can increase brand equity and reputation. Invest time and money in our organization’s personnel to ensure high retention rates, and attract qualified applicants. This position oversees that the staff performs all operational functions while conveying a feeling of trust, security and satisfaction to members and staff.

This is a full time permanent position.

For complete job posting details, please visit our website www.visioncu.ca/personal/aboutus/careers

The Person:

Agriculture Industry experience or 2-3 years of agricultural lending experience.
Minimum 5 years of credit granting or other financial institution lending experience.
Proven management, coaching and motivational skills including exposure to all areas of lending, banking floor and accounting.
Ability to deal with people sensitively, tactfully, diplomatically, and professionally at all times.
Superior time management skills, multitasking skills, and the ability to prioritize tasks with minimal supervision.
Exceptional conflict resolution, negotiation, and objection handling skills.
Cooperative or Credit Union industry experience is a benefit.

Compensation:

Salary range $71,000 to $91,000/annually
Comprehensive benefits package.

SUBMIT RESUME AND COVER LETTER TO:

Jennifer Hormann,

Vice President of Human Resources

Vision Credit Union Ltd.

Corporate Office

5007 – 51 Street

Camrose, Alberta T4V 1S6

Fax 780-679-5996

Only those individuals invited for an interview will be contacted.

Business Relationship Advisor

Relationship Manager

The Opportunity
We’re looking for an energetic retail lender who is savvy in agricultural, commercial and consumer lending to join our team! This position provides lending service to both our Raymore and Dysart branches, as well as the surrounding area.

At Raymore Credit Union, we think differently. As a financial co-operative, we’re guided and inspired by principles that aim to advance the well-being of our members and communities. We’re motivated to do more for them by deepening relationships and delivering a remarkable experience – and we count on our talented employees to get us there! We offer a stunning benefit and pension package, including rewards, work-life balance, and many opportunities to get involved in our local communities. You’ll share our core value of putting people before profits and guided by our vision of building a stronger community. You’ll be part of a collaborative team sharing your commitment, energy, and passion for delivering an exceptional member experience.

How you’ll spend your time

Building relationships by supporting and providing solutions to our ag and commercial members’ goals and concerns, including unique and complex financial needs.
Participating in a goal-oriented environment, assisting members in branch, and from time to time getting out of the office and going to visit the member at their place!
Proactively promoting our products and services to meet/exceed our member expectations, ensuring compliance and member follow-up.
On you… learning and spending time on personal and career development!

Who we’re looking for
The ideal candidate is already lending and has at least some background knowledge of the agriculture world. The candidate would have related post-secondary (ex. Business Diploma), or an equivalent combination of education and work experience; however, we are willing to train the right candidate! A current understanding (or desire to learn) lending requirements is needed. Successful candidates will be very personable and carry excellent organizational and time management skills.

What you get in return

Life-work balance; an organization that really treats you like family
Spectacular benefits package including health and dental coverage, life insurance, and one of the best pension plans around!
Variable compensation that rewards you for your personal outstanding performance
Meaningful work that really makes a difference in our members’ lives
A birthday cake on your birthday 🙂

Our Family
To be a part of our RCU team we’re looking for someone that carries our values:

Caring & Integrity – respectful and providing help to others
Co-operation – works together and willing to put others’ needs first when necessary
Leadership & Prosperity – always encouraging and working towards greater success!
Commitment – a can do attitude – reliable, dependable, and dedicated
Communicating – clearly, honestly, and with positive intent
Flexible – tour to meet with members or ready for a quick convo at the ball field or rink!

Interested?
We encourage you to apply now by sending your resume to Ellen Phillips at ephillips@raymorecu.com
Be sure to get your application in – we can’t wait for you to join us!
This opportunity will remain open until filled.

We appreciate the interest of all applicants; however, only those selected for interviews will be contacted.

Senior Manager, Commercial Credit Risk

Interior Savings is a locally based financial institution serving the Interior Region of British Columbia; we are one of the largest credit unions in the province. Our customers are our members, our members are our owners, and our success begins and ends with you. Our Way Forward is to make a positive difference in people’s lives and enrich each member’s life journey while keeping the human touch in a digital world. Interior Savings takes pride in the fact that we operate in a socially responsible manner and are highly visible supporters of the communities we serve. That’s local money for local good.

If you would like to be part of a team that makes a positive difference in people’s lives, check out this great opportunity.

We are seeking a Full Time Senior Manager, Commercial Credit Risk. With exceptional attention to detail the Senior Manager, Commercial Credit Risk is accountable for adjudicating commercial, small business and agricultural credit applications generated by the Commercial/Small Business Centers. This position is responsible for ensuring that the approved applications meet acceptable risk requirements in accordance with prudent lending practices, corporate lending policy, as well as regulatory and legislative requirements.

This position ensures, within established lending limits, the review, recommendation and approval of commercial, small business and agricultural credit applications that exceed the limits of the Commercial Managers and Commercial Account Managers. Presentation and support of recommended applications to the Management Credit Committee through established approval processes is a key activity of this position. In addition, this position will develop and implement an effective 2nd level of defense framework of ongoing commercial credit reviews.

As part of the risk management team, the Senior Manager, Commercial Credit Risk actively pursues the assessment of loan portfolio risks and trends and maintenance of credit quality through recommendation of Branch / Regional Office / Staff commercial lending limits, monitoring of portfolio performance, identification of emerging industry, macro-economic and political risks, and training and guidance of commercial lenders. This role is responsible for formulating and recommending policies and procedures for commercial lending, implementing approved policies and procedures, and establishing a compliance and related data quality monitoring and reporting regime. This includes recommending revision of relevant areas of the corporate Investment & Lending Policy and Guidelines in alignment with the Credit Union’s strategic plan and the Board established risk appetite.

This position involves frequent contact with senior management, commercial / small business banking personnel, account managers as well as Accounting, Audit and Treasury departments in a variety of capacities including developing new, more efficient, and pro-active methods to track portfolio quality and trends and test to pre-determined performance benchmarks.

The Senior Manager, Commercial Credit Risk is responsible for providing support, guidance, and direction on matters regarding the administration of higher risk, delinquent and non-performing commercial loans to minimize risk of loss. This role is also responsible for developing reports and metrics on the commercial loan portfolio, including composition, quality, and performance, and collaborating with Finance on the ongoing development, analysis, and calibration of the commercial loan portion of the loan loss model.

*This role is eligible for remote, hybrid or in office work

Education

Bachelor’s degree in commerce, business, or a related field
Either a CGA, CA, CMA designation preferred

Experience/Knowledge

Minimum 5 years’ experience in commercial risk underwriting with a financial institution, in addition to 7-9 years of field experience in commercial lending
In-depth knowledge of credit structuring, security requirements and lending policy, guidelines and practices is a critical requirement for this position
A working knowledge of legal issues related to commercial, agricultural lending is required to ensure security, terms, and conditions of approvals are appropriate and effective

For more information or to apply for this position please visit our website: www.interiorsavings.com

We thank all applicants for their interest and will contact short-listed candidates only.

Lending Service Representative

Are you committed to helping others while working to grow and develop your own career path? Do you want to work with a great team who is here to support you every step of the way? Are you an energetic team member who is confident in consumer and agricultural lending? We might be biased but we think Radius would be a GREAT place for you to work!

We are seeking an experienced, full-time Lending Service Representative to be based out of our Tribune Branch. Reporting to the Business Development Manager, responsibilities include interviewing members and potential members, analyzing loan applications, granting and/or recommending consumer, agricultural and commercial loans and mortgages and ensuring compliance with relevant legislation, regulations, policies, and procedures. The position is also responsible for cross-selling the full range of Credit Union products.

Preferred/Ideal Qualifications:

2-4+ years of experience in consumer, agricultural, and/or commercial lending.
One year of related post-secondary education. (a combination of education and experience will be considered)
Ability to interpret complex member financial information, assess risk and determine product/service opportunities.
Proven success working in a client (member) service and goal-oriented environment.
Highly motivated with excellent interpersonal, communication, and time management skills.
A demonstrated commitment to ongoing professional development.

The Credit Union / Organization:

Radius Credit Union is a rural based community focused credit union with seven (7) branches, assets over $500 million and nearly 50 employees serving 4900 members. Radius Credit Union builds relationships by providing financial solutions and supporting its communities. Employee engagement is valued and there is ample opportunity for growth for career minded individuals.

The Community:

Located in the heart of the Souris Valley, Tribune is a small community located approximately 25 km from the Canada-US Border. The area and communities surrounding Tribune offer ample recreational opportunities including a full-service campground, 9-hole sand green golf course, hockey & curling rinks, indoor swimming pool, ball diamonds, fishing, boating and more! The nearby Lyndale School offers classes from Grade K-8, with bus service available for Grade 9-12 students.

Compensation:

Radius Credit Union offers a competitive compensation package including a 7% matched defined contribution pension plan administered by the Co-operative Superannuation Society, participation in a Variable Incentive Program, a full range of employee benefits including medical, dental, EAP and life/disability insurance.

If you are interested in becoming a part of our team, please submit your resume, in confidence, on or before January 6, 2023, via email or mail to:

Radius Credit Union
Box 339
Ogema, SK S0C 1Y0
Attn: Michelle Leonard, HR & Marketing Coordinator
michelle.leonard@radiuscu.com

Posting will remain open until a suitable candidate has been hired. We appreciate the interest of all applicants; however only those under consideration will be contacted.

Relationship Manager

Are you a people person who can easily build positive relationships with your team and those you serve? Do you have experience in team collaboration to achieve extraordinary results? Would you thrive in an advice-based environment focused on providing exceptional service?

Prairie Centre Credit Union, Saskatchewan’s largest rural-based credit union, currently has a permanent full-time Relationship Manager opportunity available. The successful candidate will be a self-motivated, dynamic individual and will play an integral role in the overall success of the Rosetown region. Reporting to the Senior Relationship Manager, the Relationship Manager will have a strong aptitude for relationship-building with internal teams as well as with current and prospective members. He or she will assist in the implementation of collaborative strategies to ensure top performance within the team, equating to exceptional service to our members.

Responsibilities:

Build value-based relationships with regional team and members
Collaborate with the regional team to develop creative and innovative approaches to achieving results
Participate in business development, growth, and community engagement strategies
Provide solutions that support the financial wellbeing of members, through the delivery of deposit, investment, and loan products
Be an active member of the region’s leadership team, support branch operations, and provide regional coverage

Qualifications:

Undergraduate degree in Business or Agriculture, or an equivalent combination of education and work experience
People-oriented with the desire to interact, work with, and develop relationships with co-workers, current and prospective members, and community
Ability to take initiative with demonstrated experience in achieving sales/growth targets
Knowledge of deposit and loan products and services is an asset
Well-developed organizational and interpersonal skills

Prairie Centre Credit Union provides employees with the opportunity for personal and professional growth within an environment that promotes continuous learning. We offer a competitive compensation package, excellent employee benefits including relocation assistance, and a matched superannuation plan.

For additional information on this opportunity, please contact Brett Speight, Vice President Retail Relationships, at 306-882-5595. To apply, please submit an electronic copy of your cover letter and resume on or before December 12, 2022 to: careers@pccu.ca.

We thank all applicants for their interest; however, only those candidates being considered for an interview will be contacted.