Occupation Types: Lending – Commercial

Business Advisor

Employment Opportunity – Fort St. John, BC

(working remotely may be considered for the right candidate)

Business Advisor

North Peace Savings is recruiting for an experienced Business Advisor. The Business Advisor will have expert knowledge in the areas of equipment financing and the agricultural industry accountable for the overall management of a large portfolio of business accounts that exhibit a high degree of complexity and value to North Peace Savings and Credit Union.

Reporting to the Chief Operating Officer, the Business Advisor is accountable for the overall management of an assigned portfolio of business credit accounts that exhibit a high degree of complexity and value to NPSCU. The focus of the position will be on maintaining and strengthening exiting member relationships and building new member relationships while ensuring all financial needs of the member are satisfied within the risk appetite of the credit union. The ability to meet financial objectives related to the profitable and sound growth and retention of assigned portfolio is critical to success. Proactively develop long-term relationships with members, service partners and local markets to optimize business opportunities and referrals enhances value. In all activities, ensures prudent risk management is followed to protect NPSCU. Provide sound financial advice and the ability to effect ‘win-win’ situations to assist members in attaining their financial aspirations.

This role requires a strong direction of equipment financing as well as a clear and thorough understanding of the agricultural industry. The successful applicant will be responsible for building rewarding relationships through a superior service experience, providing consistent delivery of high quality service to both internal and external members.

If you are a financial services professional with excellent sales and service skills, the ability to work independently with confidence and strong commitment to member service, please provide a cover letter and résumé in confidence to:

Olivia Young, Manager People and Culture
North Peace Savings and Credit Union
10344-100th St
Fort St. John, BC, V1J 3Z1
E-mail: careers@npscu.ca

For a complete role description, visit: www.npscu.ca

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

Director, Retail & Small Business Credit

Want to experience banking with purpose?

At Kindred Credit Union, you will be part of cooperative banking that connects values
and faith with finances, inspiring peaceful, just, and prosperous communities.

You’re invited to make a difference…

as a Director, Retail & Small Business Credit in our Head Office

As the Director, Retail & Small Business Credit you will lead and oversee Kindred’s established Retail Credit Business and shape the development of Small Business Credit.  Holding accountability for all aspects of Retail and Small Business Lending including team leadership, strategic direction, policy enhancements, product development, and credit reporting, to ensure Kindred delivers the best credit proposition for our members.  In addition, in this position you will provide advice, coaching/mentoring, and resources to enhance the expertise of all staff involved in the delivery of credit services to members.

What to bring

You bring your values-based approach and professional experience to our strong team of lending experts.  As an integral member of head office Lending Services, your practical insights and judgment will help Kindred to grow safely by ensuring we meet the changing needs of our members and the Retail and Small Business industries we serve. Your strong relationship building skills along with your ability to focus on solutions will allow you to thrive in this position.

Plus, you bring your qualifications and experience:

  • University/College graduate in business or related field
  • Advanced knowledge of retail credit products and services
  • 10 years of lending experience
  • Retail credit experience
  • Understanding of small business an asset
  • Proven leadership skills including ability to mentor and coach others

Why Kindred

You will be part of a collaborative workplace where you’ll be asked to participate in the business and share your voice. You’ll be expected to continually grow your skills and abilities and to share your expertise and experience with colleagues. You’ll also be supported in volunteering your talents for community and other programs that are important to you.

We believe that your life is bigger than any job, so we’ll work together to achieve work-life quality and to care for the overall wellness of the whole you. And of course, your rewards package includes competitive total compensation plus an array of financial products and services at preferred rates for staff. When you choose Kindred to further your career, you’re joining an engaged workforce at a certified B Corp™ that is committed to using business as a force for good™ and acting as an advocate for a Living Wage.

RSVP

Ready to choose Kindred?  Visit www.kindredcu.com to see how we make a difference together!  Apply here with your resume and cover letter explaining why you want to work for Kindred.  We look forward to connecting with you!

Kindred is a respectful, compassionate and inclusive workplace.
We are committed to a barrier-free recruitment process: if you are selected for an interview
for which you require accommodation due to disability, please notify us when scheduling your interview.

Director, Agricultural Credit

Want to experience banking with purpose?

At Kindred Credit Union, you will be part of cooperative banking that connects values
and faith with finances, inspiring peaceful, just, and prosperous communities.

as a Director, Agricultural Credit in our Head Office You’re invited to make a difference…

As the Director, Agricultural Credit you will lead and oversee Kindred’s strong Agricultural Credit Business.  Holding accountability for all aspects of Agricultural Lending including team leadership, strategic direction, policy enhancements, product development, and credit reporting, to ensure Kindred delivers the best credit proposition for our members.  In addition, in this position you will provide advice, coaching/mentoring, and resources to enhance the expertise of all staff involved in the delivery of credit services to members.

What to bring

You bring your values-based approach and professional experience to our strong team of lending experts.  As an integral member of head office Lending Services, your practical insights and judgment will help Kindred to grow safely by ensuring we meet the changing needs of our members and the Agricultural industries we serve. Your strong relationship building skills along with your ability to focus on solutions will allow you to thrive in this position.

Plus, you bring your qualifications and experience:

  • University/College graduate in business, agriculture, or related field
  • Advanced knowledge of agricultural products and services
  • 10 years of lending experience
  • Experience financing Agricultural businesses
  • Proven leadership skills including ability to mentor and coach others

Why Kindred

You will be part of a collaborative workplace where you’ll be asked to participate in the business and share your voice. You’ll be expected to continually grow your skills and abilities and to share your expertise and experience with colleagues. You’ll also be supported in volunteering your talents for community and other programs that are important to you.

We believe that your life is bigger than any job, so we’ll work together to achieve work-life quality and to care for the overall wellness of the whole you. And of course, your rewards package includes competitive total compensation plus an array of financial products and services at preferred rates for staff. When you choose Kindred to further your career, you’re joining an engaged workforce at a certified B Corp™ that is committed to using business as a force for good™ and acting as an advocate for a Living Wage.

RSVP

Ready to choose Kindred?  Visit www.kindredcu.com to see how we make a difference together!  Apply here with your resume and cover letter explaining why you want to work for Kindred.  We look forward to connecting with you!

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

Loans Officer

Loans Officer

Temporary Full Time

Maternity Leave replacement for up to 24 months

Our Loans Officers are available to our members through in-person meetings, phone calls, and other forms of electronic communication.  The ability to provide expert advice when it’s truly needed is crucial to meeting our members needs.  We know our members, and to see their successes is extremely rewarding.  The Loans Officer is responsible for oversight of their own lending portfolio, which may include consumer, agriculture, and commercial files.  Each portfolio has a different level of complexity and presents the opportunity for new learnings each and every day!  The role of Loans Officer can be challenging, yet rewarding, where the reward far outweighs the challenge!

You have a desire to learn and have an in-depth understanding of lending practices and procedures.  The ideal candidate will have many years of service in the credit union system, and experience as a lender.    You have an appetite for risk, and know when to take the risk, and when to shy away from it.  You will be responsible to mitigate risk of default.  When required you will initiate action to collect on delinquent loans, as necessary.

While you may not have lending experience, you may have experience in the financial services industry and are eager to take the next step to grow your career.  We want to hear from you too, we are committed to training the right candidate!

Building relationships is important. In fact, it is essential to our business.  The other key part of the Loans Officer role is to foster new relationships and grow new business.  You are not afraid to pick up the phone and call a potential member.  You enjoy the rush of that first contact, and have no problem popping into a business for the first time to meet the owner and take those first steps in fostering a relationship.  When the time is right, you’ll ask for the business!

This exciting opportunity is available in our Kelvington Branch.  From time to time, you may be required to travel to our other branches as well.  You will participate in a comprehensive development plan, equipping you with the knowledge and tools to confidently assist our members, and grow your career.  With upcoming pending retirements, there is great potential for this temporary position to turn into a permanent position in one of our branches!  You will be part of an amazing team, working together to meet the member’s and organization’s goals!

Education & Qualifications

·         One year post-secondary training ·         Working knowledge of computer systems
·         One – Four Years of job-related experience ·         Credit Union experience considered an asset
·         Bondable ·         Commitment to continuous self-development

Accent Credit Union has branches in Quill Lake, Kelvington and Jansen.  We are a financially strong organization with assets of over $270 million, our loans portfolio is over $197 million and we continue to grow!  We are dedicated to our members, and our communities.  We respect our people and their contribution to our success.  We encourage employee involvement and participation.  We reward our people for their teamwork and for achieving objectives.  Our people make the difference for our members’ service experience.  Compensation is competitive and will be based upon qualifications and experience.  Accent Credit Union offers a full range of benefits, an employee incentive program, including a wellness program.

Questions about this opportunity?  Call Lacey at 306.383.1139

 Qualified applicants are invited to submit their resume and cover letter in confidence by Noon on October 8, 2021 to:

Lacey Nicholls – Human Resources & Marketing Administrator

Quill Lake Branch – Box 520, 78 Main St., Quill Lake, SK, S0A 3E0

hr@accentcu.ca

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

Lending Service Representative

Job Profile:

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 collection activity and cross-selling the full range of Credit Union products.

Minimum Qualifications:

  • 2-4+ years of experience, consumer, agricultural, and/or commercial lending and 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 sales, service and goal oriented environment.
  • Highly motivated with excellent interpersonal, communication, and time management skills.
  • A demonstrated commitment to ongoing professional development.
  • Experience in investments and/or mutual funds an asset. Strong preference to applicants with investment experience as this role has the potential to transition to a Financial Service Representative.

The Credit Union / Organization:

Radius Credit Union is a rural based community focused credit union with seven (7) branches, assets over $442 million and nearly 50 employees serving 4700 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-9, with bus service available for Grade 10-12 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, by October 7, 2021 via email or mail to:

Radius Credit Union
PO 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.

COMMERCIAL ACCOUNT MANAGER

Commercial Account Manager

We are an engaged, high performing commercial team with exponential growth and lots of untapped potential. We are looking to recruit a dynamic contributor. If you thrive in a fast passed work environment and want to be on the ground floor of something special, with lots of opportunity for career growth you are the right person to join our team. We support work/life balance with competitive salaries, incentive pay, great benefits and a workweek that includes a half workday on Wednesday.

Talka Credit Union is a full-service financial institution with assets of over $180 million. We are financially strong and are on a high growth curve.  It is our Mission to provide a trusted financial environment to our membership wherever they are and whenever they need us, while promoting social and economic support to our community. Our Vision is to stay true to our co-operative heritage and Talka strives to be the preferred choice for our members’ lifetime financial needs.

In the role of Commercial Account Manager, you will use your knowledge and experience to provide value added expertise to our growing commercial portfolio by:

  • Building relationships with both new and existing members and networking with external business organizations and individuals to generate new business supporting the responsible growth of our commercial portfolio.
  • Coordinate/lead our annual review process to proactively manage the risk and profitability of each member’s account including monitoring of problem accounts and working with team to set plans to minimize risk.
  • Coordinating the collection and analysis of financial and personal net worth statements; calculating debt servicing capacity; and, negotiating terms and conditions of loans.
  • Granting commercial loans, mortgages, and operating lines of credit for business purposes within lending limits; submit recommendations for credit above limits to the VP Credit and Compliance.
  • Providing direction to commercial lending admin staff.
  • Assisting with the preparation of the budget and business plan as it relates to commercial lending.

Duties and Responsibilities:

  • Responsible for the growth and business development of the commercial portfolio. Build relationships with existing members; network with external business organizations and individuals to generate new business. Identify and pursue opportunities to promote other business services and non-credit products; review current portfolio to ensure clients have proper banking products. Ensure a proactive approach is taken to retain current business.
  • Monitor the competitive environment for product and delivery trends; stay current with competitive product trends and emerging technologies.
  • Develop and maintain an expert knowledge of commercial lending policies and procedures, lending reports, and related/developing technology.
  • Analyze loan requests using established lending criteria to safeguard member deposits and the viability of the Credit Union while supporting growth objectives. Collect and compile information and analyze financial statements to assess credit worthiness. Ensure necessary regulatory and compliance guidelines and measures are followed. Grant credit within lending limits.
  • Assist with the processing of syndicated loan applications as requested.
  • Review commercial overdraft report daily, and take appropriate action where required and deal effectively with commercial overdrafts and delinquency.
  • Monitor and update the commercial member watch list and make suggestions for action as appropriate.
  • Conduct reviews of commercial accounts, including margining as required.
  • Review lending reports and take corrective action as required.
  • Ensure documentation is in-compliance with commercial loan policies and procedures.
  • Perform other duties as assigned.

Qualifications:

  • Achievement of credit union (or equivalent) lending courses in commercial lending
  • University Degree or work equivalency
  • 3 plus years of experience in CAM role
  • Thorough understanding of commercial credit and proven ability to weigh risk
  • Exceptional interpersonal skills including demonstrating approachability, trustworthiness, flexibility and a strong work and service ethic
  • Proven relationship management and sales effectiveness skills – able to identify member needs and match appropriate solutions
  • Understands markets and trends in the industry
  • Demonstrates results orientation in both sales and service
  • Thorough understanding of the Credit Union’s business strategies
  • Thorough understanding of the Credit Union’s products and services
  • Committed to continuous personal improvement

 We offer a caring environment, complete training and opportunity for career satisfaction. 

If you are looking for a rewarding career, please apply in confidence, to: careers@talka.ca.

 

We thank all candidates; however, only those to be interviewed will be contacted.

Talka Credit Union is committed to providing accommodations.

If you require an accommodation, we will work with you to meet your needs.

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