Lending – Commercial – Credit Union Careers

Account Officer

Are you seeking an opportunity to expand your career in commercial lending? Does the prospect of building robust relationships with new and existing partners excite you? If you are customer obsessed, results driven and interested in joining a dynamic team, this job is for you!

Join one of Canada’s Best Managed Companies as a Commercial Account Officer and be part of our Commercial Markets team! This exciting position includes managing complex account arrangements with an emphasis on providing daily direct client service. You will be responsible for analysis and preparation of credit applications to enable relationship managers effectively manage client relationships and develop new business. This role deals with commercial and corporate accounts involving credit requirements generally ranging from $500,000 to $20 million or greater.

Supporting the Commercial Markets team, the successful candidate will take an active role in:

Ensuring credit risk is monitored and reported through completion of annual credit reviews of loans acquired from credit unions, other third party sources or direct lending

Ensuring the integrity of loan reporting and compliance with credit terms and conditions through ongoing account monitoring and reporting

Managing documentation and funding for all loan activity
Ensuring that all pre-disbursement conditions have been tracked and satisfied prior to loan disbursements and assist with the requisition of Letters of Credit for Construction projects

As one of Canada’s Best-Managed companies, Concentra prides itself on a culture of client service, innovation, and strong values. With deep roots in the co-operative system, we are proud of our past and excited about our future.

Concentra employees enjoy a competitive total rewards package and flexible work environment. We are looking for a results oriented individual to join our team in one of our corporate locations (Regina, Saskatoon, Surrey or Toronto), or from a home office environment.

Qualifications:

4 years financial institution experience required, specifically in the commercial lending environment (real estate properties and construction)
Completion of a diploma, degree or designation in the financial field preferred, or an equivalent combination of education and experience in the financial industry
Ability to problem solve and analyze data with demonstration of attention to detail
Demonstrated organizational and time management skills
Proven self-starter; results-oriented

Position closes on April 16, 2021. To apply, please visit our Career page at www.concentra.ca

At Concentra, our goal is to achieve a workforce as diverse as the people we partner with. We encourage all members of the designated groups; aboriginal peoples, persons with disabilities, women, visible minorities and others to join our team. Concentra strives to provide a safe and respectful work environment free of discrimination and harassment and is committed to an inclusive, barrier-free recruitment and selection processes.

We thank all applicants for their interest, however, only those selected for an interview will be contacted.

Commercial Account Manager

An exciting opportunity exists, for an experienced Commercial Account Manager to join our team. ABCU is a full-service open bond Credit Union. Assets $265 million, loans $197 million, deposits $243 million, staff of 35. At ABCU Credit Union Ltd. (ABCU) our culture is based on our passion to be financial professionals dedicated to doing what is right for our credit union and our members.

The Commercial Account Manager is a member of the commercial team that delivers personalized advice to commercial and agricultural members, and plays an integral role in the growth of new commercial business opportunities which promote profitability. This role manages a portfolio of small to medium sized business commercial loans and deposits. Their sales targets encourage meaningful conversations with members that ensure they have the right product and service at the right time. The Commercial Account Manager understands business and knows products, policies, and legislation. This includes, but is not limited to: development of business for current and potential members, recommending modifications to policies in response to new or changing circumstances; proactively building and developing a network of positive relationships by creating a strong connection with the wealth services team, retail branch network, local business owners, and members of the professional community with ease and to foster an environment of financial success.

· Responsible and accountable for the development and implementation of sales strategies to retain, manage, and grow a profitable portfolio.
· Works independently to generate credit and deposit opportunities.
· Represent ABCU, build relationships, and proactively build business in the communities we serve.
· Be an expert and have a proven track record of business development, relationship building, and portfolio management.
· Respond to all members, team, and partner enquiries promptly, and proactively providing professional, friendly, competent, and courteous service at all times.
· Respond to all portfolio member complaints with follow up on issues/opportunities as required, ensuring member complaints are handled in accordance with our service standards, escalating issues when necessary.
· Have superior knowledge of Commercial banking and the industry, and be a leader with your own personal learning and development.
· Achieve or exceed assigned sales and referral goals in your individual commercial portfolio. Be a leader in referrals to internal partners – with a focus on wealth and retail, as well as other channels as appropriate.

Experience Required
· Bachelor’s degree in a related field.
· Ten or more years’ job-related experience, with a minimum of five years of progressive lending and commercial experience, or equivalent combination of education and experience.
· Proven sales experience, sales and pipeline management.
· Understanding of marketing and business development.
· Experience working and developing relationships with members, potential members, and the community.
· A combination of post-secondary education and work experience will be considered.

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

Janavi Corson, ABCU Credit Union
jcorson@abcu.ca

ABCU Credit Union 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.

Business Account Manager

Northern Savings Credit Union has an opening for a full time Business Account Manager for our Prince Rupert branch.

If you are passionate about improving people’s financial health and have experience with sales and service we’d like to hear from you.

The Business Account Manager is a key position in the branch providing business financial solutions and exemplary member service. This role is the primary point of contact to a portfolio of members whose basic business needs expand both the lending and investment spectrum. The Business Account Manager also demonstrates strong relationship management and business development skills in order to bring new business members to Northern Savings Credit Union.

The Business Account Manager is to demonstrate positive and professional leadership within the Credit Union and externally in the community. The Business Account Manager collaborates with the employees of Business Services to achieve their maximum potential and produce results in the best interest of the credit union while respecting and delivering the needs of members.

Minimum Qualifications:

Education:

Completion of post-secondary education is required.
Completion of sales and service training required.
Completion of business credit lending program is preferred.

Experience:

Previous business lending experience required.
Previous retail lending experience preferred.
Previous financial services experience is required.

Skills:

Business acumen and understanding of demands of running a business.
Demonstrated sales and service skills.
Experience in research and negotiation is an asset.
Expert financial system knowledge and skills required.
Expert knowledge of business lending products and services required.
Ability to prioritize and organize work within time constraints
Ability to communicate and liaise professionally with all members, potential customers and co-workers while maintaining confidentiality.
Excellent written and verbal English communication skills.
Working knowledge, skills and experience in Microsoft Office.

Loan Officer II

Stoughton Credit Union is a full service credit union with approximately $128 million in assets under administration and 1800 members. Our two branches are located in South Eastern Saskatchewan in the communities of Stoughton and Kisbey. Our credit union is committed to serving our members and communities needs by providing excellent service.

We are seeking a full time Loans Officer II to work from our Stoughton branch. The position requires the candidate to have a comprehensive working knowledge of assessing and managing risk in agriculture and commercial lending.

This position will report to the Manager of Lending and act as the agriculture/commercial lending specialist for the region, as well as supporting the consumer lending portfolio as needed. The candidate will be required to meet financial objectives related to profitable growth and risk management within the portfolio with a focus on building new and enhancing existing member relationships. This position will also be responsible for providing support in completing administrative tasks in the lending area as well as travelling to meet with members and potential members.

Education and Experience:

The candidate must be committed to lifelong learning, will exercise attention to detail, have strong communication skills, and must be able to provide our members with excellent service. Other qualifications for the position include:

– 1-2 years of post secondary education in Business Administration or a related field;

– Minimum of 4-6 years of experience as a retail lender, or an equivalent combination of education and experience;

– Working knowledge of the Saskatchewan agriculture industry and commercial lending;

– Experience working with DNA or other similar credit union software would be considered an asset.

Compensation will be based upon qualifications and experience. Stoughton Credit Union offers a full range of benefits, including up to a 9% matched pension and a variable bonus structure

Commercial/Agricultural Relationship Specialist

Weyburn Credit Union (WCU) is a member owned and democratically ran financial institution with over 9,000 members and $750 million in assets under our administration. We have over 85 staff members and operate in the communities of Weyburn, Lang and Yellow Grass. We are known as an employer of choice and work hard to provide our team members with a positive work environment, opportunities for advancement and above market compensation package.

The City of Weyburn was recently named the best place to live in the Prairies. Weyburn has the best of both worlds by offering small town charm with big city amenities. As part of WCU’s vision, we are dedicated to helping our people be their best and making a positive impact in our communities. We do this by supporting community building events and causes, like Big Bike for Heart and Stroke, Big Brothers and Big Sisters, United Way, Relay For Life, Festival of Trees to name a few. We are principled, energetic, collaborative, experts, local and strong.

The Opportunity

WCU has an exciting and challenging career opportunity for a highly motivated financial service professional looking to join our team. The Commercial/Agricultural Relationship Specialist will be responsible for managing, promoting and selling commercial and agricultural lending and account services to our current and future members. They will build relationships and ensure their assigned client portfolio is receiving the highest level of service possible.

Qualifications

Minimum of 2 years of post-secondary education.
4-7 years lending experience with a strong emphasis on commercial and agricultural lending. Additional lending experience is preferred.
Previous lending experience in the oil and gas industry will be considered an asset.
Working knowledge and thorough understanding of the legal and legislative requirements related to commercial and agricultural lending.
Advanced ability in interpreting complex financial statements, assessing risk, and determining produce/service opportunities.
Demonstrated ability to mediate, persuade, influence and negotiate.
Proven track record of developing strong internal and external relationships, both individually and in a team environment.
Proven success working with a sales, service and goal oriented environment.
Experience providing high quality service in a demanding and competitive work environment.
Demonstrated commitment to ongoing professional development.

What we offer

Competitive compensation package including base and variable pay.
Comprehensive employee benefit package is offered.
Total Rewards Program including 7% matched pension contributions, generous vacation and personal time, wellness subsidy and discounted employee banking fees.

Loans Manager / Loans Officer

Are you ready for the next step of your career? Do you have the desire to help members and staff succeed personally and financially? Do you have a lending background? Luseland Credit Union is seeking a motivated leader to join our lending team either as a Loans Manager or Loans Officer (position based on qualifications).

THE POSITION – Loans Manager

Reporting to the General Manager, the Loans Manager will:

Collaborate in the development of corporate strategies, policies and risk management plans;
Manage, monitor and grow the credit union’s loan portfolio, proactively working to retain and expand member relationships;
Ensure that all lending activities are in compliance with relevant legislation and regulations;
Provide coaching, inspiration and leadership to a high performance team delivering quality member service and duty of care;
Provide lending services to current and potential members including recognizing their needs in order to promote and cross-sell LCU products;
Promote Luseland Credit Union and maintain active involvement in the community

QUALIFICATIONS

This position requires:

5+ years of lending experience within the industry
Background in Finance (B. Comm or equivalent is preferred)
Knowledge and experience in resolving complex lending issues related to serving agricultural and/or commercial members
Experience working with banking applications
Management experience would be considered an asset
The incumbent will also have a thorough understanding of the credit union system including operations, principles and values
Flexibility within requirements may be provided to the right candidate

THE POSITION – Loans Officer

Reporting to the General Manager, the Loans Officer will:

Provide lending services to current members and potential members and administer and control an assigned portion of the loans portfolio;
Recognize member needs and promote and cross-sell credit union lending and deposit services; and
Ensure all loan activities comply with relevant legislation, regulations, policies and procedures.

QUALIFICATIONS

This position requires:

Attention to detail
Strong leadership and communication skills;
Working knowledge of credit union products and services;
Desire and ability to be a team leader
One-year of post-secondary training plus four to five years of job related experience or an equivalent combination of education and experience; or two to four years of relevant post-secondary training.

COMPENSATION

Salary will be negotiated based on education and experience. Luseland Credit Union offers a fully paid benefits package, including 7.5% pension matching, variable pay structure, and an employee loan/deposit program.

ABOUT OUR CREDIT UNION

Luseland Credit Union has been a proud leader in the community for more than 50 years. Every year we provide support to various local projects and organizations in the form of volunteer time and donations.

From a single office, we serve a membership of more than 1640 and manage assets over $151 million with a loan portfolio of over $100 million. We position ourselves as fast followers and offer most of the same digital banking products as the large institutions, but with a greater focus on service. We opened our new building in late 2017 and it has allowed us to continue to grow our business and positioned LCU well to serve our membership long into the future.

Luseland Credit Union is growth and team-focused. We are committed to providing exceptional customer service and to being accountable to every member we serve.

If your goals and experience match our requirements, we invite you to submit your application by Friday, April 9, 2021.

Adam Franko, General Manager
Luseland Credit Union
PO Box 518
Luseland SK S0L 2A0
F: 306-372-4446
E: adam.franko@luselandcu.com

Senior Agricultural/Commercial Lender (BRA III)

Diamond North Credit Union is currently recruiting for a Senior Agricultural/Commercial Lender for the position of Business Relationship Advisor III.

The Business Relationship Advisor III is accountable for the growth, development, and oversight of the lending and financial needs of a number of relationship managed members. This portfolio consists primarily of a variety of agriculture and commercial members whose needs are complex and require innovative and creative solutions to support their operations. The Business Relationship Advisor III’s primary accountability is to generate growth through the acquisition of new members, deepen member relationships, and to know the agriculture and commercial market to develop new and valuable opportunities for the Credit Union. Finally, the Business Relationship Advisor III will deliver results through partnership with a variety of Credit Union departments and partners by maintaining referral relationships with personal, commercial, and wealth partners when broader or more complex financial needs are required. Given that the Business Relationship Manager III’s members reside and operate throughout the Credit Union’s region, travel is a definite requirement.

Diamond North Credit Union is a progressive, member-owned financial institution located in northeast Saskatchewan. Our team of dedicated staff focuses on developing relationships and providing unparalleled service to all of our members and our communities. We offer a competitive compensation package which includes health and dental benefits, plus an employee deposit and loan program, and are proud to match your superannuation contribution up to 7%. Diamond North Credit Union offers an environment that empowers our employees to continuously learn and thrive.

If you believe that you could be the next member of our team, please forward a cover letter, resume and work-related references to humanresources@diamondnorthcu.com no later than 12pm on Friday, April 2, 2021. We thank everyone for their interest, however, only those selected for an interview will be contacted.

Commercial Account Manager

Become part of a dynamic and successful credit union located in the community of Summerland and nestled in the beautiful Okanagan Valley.

Under direction of the President & CEO, the Commercial Account Manager (CAM) is an integral part of the commercial lending team and provides management over a diversified portfolio of commercial member accounts and relationships. The CAM is expected to possess requisite expertise for all types of commercial lending activities.

The credit union has carved out a niche in commercial lending by providing exceptional turnaround times and responsiveness. This CAM position is expected to both contribute to and support growth and service excellence.

MAJOR RESPONSIBILITIES:

Maintain and grow an assigned portfolio of commercial member relationships and loans by;

Analyzing member needs, evaluating loan applications and ensuring that appropriate documentation is prepared and processed;
Exhibiting strong business acumen with the ability to build a comprehensive financial package structured to meet the member’s needs;
analyzing commercial financial statements, operating cycles of businesses, fluctuating profit levels, factors affecting cash flow, business plans, economic conditions and other commercial variables affecting loan viability;
negotiating loan terms and interest rates relative to risk;
granting commercial mortgages, operating lines of credit, overdrafts and business loans within the guidelines of the Investment and Lending Policy; presenting loans over lending limits to the President & CEO, Management Committee and/or Board Committees;
monitoring commercial loans on an ongoing basis by conducting annual reviews.
Evaluating risk in commercial loan portfolio and assigning risk ratings to all files;
Conduct business development, networking and relationship building with members.

2. Initiate actions to improve growth and development of commercial loan portfolio by cross selling credit union products and services and pursuing new business by establishing and maintaining liaison with business contacts.

3. Maintains shared responsibility with the CEO for collection of delinquent accounts including legal action by analyzing loan status and initiating action to mitigate loss.

Monitors all commercial lending activities to ensure adherence to established policies and procedures and to ensure the application of checks and balances including audit trails; regularly reviews the performance of the commercial lending portfolio by analyzing member needs, trends and competitors’ offerings.

QUALIFICATIONS:

EDUCATION and EXPERIENCE

Secondary school diploma
Minimum one year post-secondary formal education
Minimum seven (7) years’ experience lending, primarily in commercial lending
Business Administration Diploma in Accounting and continued professional development toward Accounting Designation.
Maintain proficiency with developing systems, applications and productivity programs.

OR EQUIVALENT EDUCATION and/or WORK EXPERIENCE

POSITION COMPETENCIES

Advanced knowledge of Credit Union Commercial lending products and services
Working knowledge of our basic products and services
Working knowledge of the sales cycle process.
Working knowledge of personal computer-based literacy skills, including keyboarding, Windows operating system, internet access and e-mail
Working knowledge of productivity programs, especially Word and Excel
Ability to establish, build and maintain ongoing member relationships through the application of relationship management skills
Ability to communicate well in a service environment, both verbally and in writing
Strong time management and organizational skills.
Understanding and confident ability to deal with lending and deposit products, policies and procedures.

Manager: Credit Administration and Commercial Adjudication

Do you… know what it takes to succeed in the competitive financial services market? Are you a natural leader who aspires to make a positive difference each and every day? Do you embrace change and thrive in an ever-evolving work environment? Are you a motivated self-starter with a proven track record of success in commercial lending and credit adjudication? Do you have what it takes to improve our members’ financial lives?

If so… we should talk.

We’re currently seeking an experienced professional to join our team as the Manager: Credit Administration & Commercial Adjudication. Based out of our Corporate office, the Manager: Credit Administration and Commercial Adjudication is responsible for the development and growth of long term, profitable relationships with commercial members through appropriate adjudication and mitigation of credit risk and appropriate pricing of credit relationships.

The incumbent provides leadership and guidance to the Credit Administration team and ensures appropriate processes and controls are in place to monitor and mitigate risk while ensuring Kootenay Savings policies, procedures and regulatory guidelines are met. The Manager: Credit Administration & Commercial Adjudication provides input and is responsible for the development of lending policies and procedures as required. In addition, this role supports our commercial lending group by providing guidance on loan applications, structure, pricing and application of lending policies.

Remote work options for this opportunity may be considered.

Minimum requirements:

Post-secondary diploma, degree and/or certification in Business or a related program
Minimum 5 years’ progressive experience in sales and service with a comprehensive knowledge of commercial lending and risk management in the financial services industry
Strong understanding of underwriting guidelines and excellent adjudication skills including commercial portfolio risk management
Sound knowledge and understanding of business financial statements, business case and cash flow analysis and real estate lending
General knowledge of consumer and retail mortgage lending including financial products & services
Thorough knowledge of the commercial banking marketplace and the market area’s key industries and competitive positioning
Advanced knowledge of lending policies, procedures, and regulatory guidelines
Advanced knowledge of personal computer-based literacy including advanced knowledge of Excel
Excellent interpersonal, communication and relationship building skills
Self-motivated and resourceful with strong planning, organizational and time management skills
Demonstrated exceptional analytical skills
Ability to effectively problem solve and manage conflict
The ability to take a creative approach to opportunities or issues, think “outside the box” and explore unique ways to create value for members, communities and the organization
The ability to courageously face new challenges and opportunities
The ability to form a deep understanding of members’ needs and to develop member-centric solutions across multiple channels that exceed their expectations
The ability to work within and across groups and/or organizations to solve complex issues and create the best solutions that will benefit members and their communities
The ability to recognize and moderate one’s effect on others and the organization, building trust by choosing to act with integrity and authenticity
The ability to inspire a sense of direction and shared purpose for employees, while energizing and motivating them to advance the vision

Why work for us?

We know that our dedicated employees give us a lot and are key to our success; in return we offer a total rewards package that includes:

Competitive salary and benefits
Paid vacation, sick time and floating holidays
Continual training, development and coaching
Confidential employee and family assistance program
Unique 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
Being part of a talented and dedicated team who improve our members’ financial lives

Nestled in the natural beauty of the Selkirk and Monashee mountain ranges, next to the mighty Columbia River, the Greater Trail area offers year-round activities for the outdoor enthusiast from golfing to skiing, mountain biking, kayaking, fishing, hiking and much more. Amenities include the region’s largest hospital, Selkirk College and an aquatic and leisure centre, all surrounded by inviting neighbouring communities. Affordable, safe and volunteer-oriented communities provide all the modern technology and amenities to keep you connected. Here you will find outstanding opportunities for living life well and to its fullest.

For more information about the Greater Trail region, please visit imaginekootenay.com

For more information about Kootenay Savings, please visit www.kscu.com

Please apply online through the careers section of our website at www.kscu.com.

Open until filled

We thank all applicants for their interest; however only short listed applicants will be contacted.

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”.