Lending – Commercial – Page 19 – Credit Union Careers

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

Advisor, Specialized Solutions

Permanent Full-Time

Closes May 14

Open to any Innovation Advice Centre Location

Annual Salary: $57,454 – $71,817

Would you like to earn above average pay helping members meet their financial goals, maintain a strong work life balance, a flexible schedule and have the security of a career – path supported by your organization? We offer that and so much more.

THE COMPANY – Our Purpose is to redefine banking by helping Canadians simplify their lives and reach their financial goals by reinvesting profits into our members, communities and our people. Now that Responsible Banking!

Click the link below to see what Innovation Credit Union is about! Trust us, you are going to want to learn more about who we are!

Innovation Credit Union – About Us (innovationcu.ca)

THE POSITION: As part of a high-performance work team, this position is responsible to obtain and maintain organic deposit growth through our retail channels, grow products per member, and create more business member stickiness. The Advisor, Specialized Solutions will effectively collaborate with a team of ag and commercial business advisors and associate business advisors to deliver high caliber advice and member experience. This individual will work within these teams to proactively develop strategies and target service offerings to increase sales & products per member. The Advisor, Specialized Solutions will be knowledgeable on policy, practice and procedures to ensure quality of work on all cash management offerings. How does one do this? Glad you asked!

An Advisor, Specialized Solutions does the following:

Works closely with our business advisors in current markets as well as proposed business advisor entry into the Regina and Saskatoon markets. In a truly mobile environment, the capability and expertise to onboard members and facilitate day to day banking services through cash management will be a necessity.
Management, promotion and sales of specialized solutions for businesses including Payroll, Merchant Services, RFPs, Online banking solutions, Credit Cards, cRDC, and FX. All these services are based in digital service delivery.
Develops and nurtures relationships with members, prospective members as well as suppliers, vendors, alliances and affiliates for mutual organizational benefit.

Why Should You Apply?

You want to be an ambassador of a forward-thinking, member focused organization
You have minimum one year of formal education or equivalent; plus 1 to 3 years of job related experience (i.e., cash management, opening business accounts) or equivalent combination of education and experience
You have proven sales and service skills and are committed to growing Innovation Credit Union business attained through demonstrated use of sales and service principles
You have strong communication skills with the ability to relate well to members and co-workers
You have a strong understanding of the Microsoft Environment

Interested?

Go to www.innovationcu.ca/careers and apply for this position via our job board

Relationship Manager

Lakeland Credit Union is a provider of financial products and services in the Lakeland area. We have been serving our members in Bonnyville, Cold Lake and surrounding rural communities for over 80 years. We believe in community, integrity, excellence, the co-operative system and our people.

We are looking for someone who is passionate about supporting our business members and providing advice that supports their financial well-being.

As our Relationship Manager, you will be accountable for the growth and development of our commercial and agricultural portfolios. You will thrive on making connections and providing lending and business advisory services to small, medium and large businesses in our marketplace. You have a proven track record of proactive business development, relationship building and portfolio management.

Competencies:

Effective relationship management
Portfolio management
Financial statement analysis and risk assessment
Credit solutions and underwriting

Qualifications:

5+ years of experience, preferably in a credit union, including direct experience in business lending and relationship management
Post-secondary degree in Business or other relevant combined education and experience
Credit union and cooperative business model values

Does this sound like a great fit? Then we encourage you to apply today! You can forward your cover letter and resume to careers@lakelandcreditunion.com.

Thank you for your interest in Lakeland Credit Union however, only those applicants selected for an interview will be contacted.

Business Advisor Commercial Real Estate

At Conexus, it’s not what we do, it’s how we do it.

Are you ready to make a move and work for a company who puts the financial well-being of its members first? It’s not just something we say at Conexus. It’s a promise delivered by our 900 employees each day. We are passionate about our members’ financial health, and our employees reflect that passion. At Conexus it’s about more than conducting a banking transaction, it’s about creating a personalized experience for each member. We do this by keeping it simple and lending an ear to each member’s individual needs throughout Saskatchewan.

Our employees are authentic, bold, creative, and responsible. They are the reason we consistently deliver outstanding member experiences. They’re more than just individuals who come to work each day, each employee is a vital part of Conexus.

The bigger picture

We’re looking for a Business Advisor to specialize in Commercial Real Estate, who is passionate about helping local businesses succeed. You will be providing creative solutions that support our commercial business members financial well-being.

How you’ll be spending your time

Providing needs based holistic financial advice to our commercial business members (e.g.: credit and wealth solutions; cash management services to support banking and deposit management)
Keeping up-to-date on industry trends to have proactive advice-based conversations fueled by a passion to improve the financial well-being of our business members
Marketing yourself to build your book of business in the local community
Making sure there’s a healthy balance between opportunity and risk and between growth and profitability for Conexus
While you will not have any direct reports, you will demonstrate your leadership abilities through the mentorship of other members of the team around you

The way people describe you

A self-starter with knowledge of financial statements and assessing risk
A natural people person who thrives on developing relationships within the business community
A collaborator who supports individuals, teams, projects and initiatives within our organization to help us grow
An ace at details, who’s highly accountable and delivers on expectations
A trusted professional and partner who’s advice is sought after and valued as support for the individual business strategy

The experience you bring

5+ years in a business advisory role working with a progressively challenging and complicated business portfolio
Thorough understanding of financial statements and assessing risk along with a deep understanding of commercial construction, development and real estate
Strong credit underwriting ability
Proven relationship management skills
Post-secondary education in Business, Finance, or Economics is an asset
Certificate in Commercial Credit (CICC) is an asset

What you get in return

Our team works tirelessly to ensure the financial success of each of our members. We think such dedication deserves recognition. That’s why we’re proud to offer some of the most competitive job perks of any employer around. Come, join our crew, and find out just how sweet the rewards can be:

Competitive compensation and benefits package
Industry leading work-life balance and rewards
Formal and informal employee development
Meaningful work that makes a real difference in our members’ lives

So, what do you think – does this sound like you? Do you think you’re the right fit for Conexus and can rock this role? If you do, and you have the qualifications outlined above, then we encourage you to apply now. If you have questions about this position, please contact Heather at heather.howland@conexus.ca. But act fast, the opportunity closes on May 2, 2021.

Commercial Agricultural Relationship Manager

The Opportunity

We’re looking for a Commercial Agricultural Relationship Manager to join our team in Weyburn, Saskatchewan. 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 are principled, energetic, collaborative, experts, local and strong.

If you have a passion for leading people and want to help others achieve their financial goals, then look no further!

The successful candidate will be responsible for coaching and managing a team of individuals who build lasting relationships with our Commercial and Agricultural membership. They will provide an exceptional member experience through lending, deposit, and basic investment services. The position works closely with other managers and team members within the credit union to build member relationships that add value and positively contribute to the credit union’s strategic vision.

The Individual

Will be nimble, agile and welcoming to change.

An individual who values continued education and pushes others to grow.
Someone who is a team player and brings an energetic spark to work each day.
An individual who is committed to self-improvement and growth by taking feedback and always working on themselves.
Someone who values giving back to their community.

Qualifications

Minimum of 2 years post-secondary education plus at least 10 years of experience working in the financial industry or an equivalent combination of education and experience.

Previous management and coaching experience with a proven track record of motivating and developing high performing teams.
Working knowledge and thorough understanding of the legal and legislative requirements related to commercial and agricultural lending.
Proven track record of developing strong internal and external relationships, both individually and in a team environment.

What we offer

Competitive compensation package including base and variable pay.

Comprehensive employee benefit package is offered.
Generous paid time off including personal time, study time and above industry vacation accrual.

Total Rewards Program including 7% matched pension contributions, wellness subsidy, discounted employee banking fees.

How to apply

If you are interested in this exciting opportunity, please submit your resume by email to recruitment@weyburncu.ca. This position will remain open until a suitable pool of applicants has been received. We would like to thank all applicants for their interest; however, only those selected for interviews will be contacted.

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.