Occupation Types: Lending – Commercial

Relationship Manager

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

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


How you’ll spend your time

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


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


What you get in return

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


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

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


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

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

Senior Manager, Commercial Credit Risk

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

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

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

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

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

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

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

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

Education

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

Experience/Knowledge

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

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

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

 

Lending Service Representative

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

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

Preferred/Ideal Qualifications:

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

 

The Credit Union / Organization: 

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

The Community:

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

Compensation:

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

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

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

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

Relationship Manager

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

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

Responsibilities:

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

Qualifications:

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

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

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

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

Credit Adjudicator

Are you highly organized with exceptional prioritization abilities to adapt to competing work demands?  Do you have strong analytical skills with a solution-focus approach?  Do you have a helpful and collaborative nature and can easily build relationships with your team and those you support?

Prairie Centre Credit Union, Saskatchewan’s largest rural-based credit union, currently has a permanent full-time Credit Adjudicator opportunity available. The successful candidate will be detail-oriented, thorough, and well-organized to ensure sound decision-making in the analysis of data for the recommendation of credit. Reporting to the Vice President Credit, the Credit Adjudicator will be responsible for fostering internal relationships by providing exceptional service in retail lending through the provision of loan analysis and administrative support, to achieve overall growth.

Responsibilities:

  • Promote and support a relationship-based service environment
  • Identify and recommend concepts and innovative approaches that leverage corporate resources and provide productivity efficiency improvements
  • Adjudicate loan requests and credit approvals
  • Assist with syndicated loan reviews
  • Manage risk by following risk mitigation practices and monitoring processes within the loan portfolio
  • Collaborate on developing lending strategies that are consistent with vision and strategic initiatives
  • Ensure compliance and adherence to applicable legislation and Prairie Centre policies and procedures

Qualifications:

  • Relevant degree or a combination of education and experience in the financial services industry
  • Minimum of 5 years lending experience (expert knowledge of consumer and agricultural lending with a sound understanding of commercial lending)
  • Proficient in analysis of complex financial statements, credit granting, and risk management
  • Excellent interpersonal, oral, and written communication skills with an aptitude for relationship-building
  • Strong analytical skills with attention to detail and numeric reasonability
  • Ability to prioritize work requirements to meet deadlines and time constraints
  • Demonstrate integrity, confidentiality, and initiative
  • Excellent problem solving and decision-making abilities

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

For additional information on this opportunity, please contact Dallas McDonald, Vice President Credit, at 306-882-5575. To apply, please submit an electronic copy of your cover letter and resume on or before Wednesday, December 7, 2022, to: careers@pccu.ca.

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

Lender

The Person: You are the special teams coach juggling expertise and specialties depending on what is required for the situation and member.  You are quick and ready to act because delays cost time and money.  You are prepared to tackle whatever lending challenge you encounter to help the farmer or business owner grow and improve their operation.  You have no problem running out to meet your members at their farm or office.  When requests for help are received you are quick to run with them and punt preconceived notions out of the way to really understand the request and focus on addressing it. 

 

The Position:  The Lender  is a permanent full-time position (37.5 hours per week)

 

Salary will be commensurate with experience and qualifications.  Working knowledge and thorough understanding of the legal and legislative requirements related to lending is essential.  Advanced ability in interpreting complex financial statements, assessing risk, and determining product/service opportunities are strongly preferred. Previous lending experience in the oil and gas industry will be considered an asset.

 

Unity Credit Union offers a competitive total rewards package including flexible work arrangements and attractive employee benefits with matched pension contributions.

Reporting to the Manager of Lending Services, the lender :

 

  • Takes a proactive approach to growing the loan portfolio, nurturing member relationships, and anticipating financial needs and offering solutions.
  • Grants retail, commercial or agricultural loans, mortgages, and operating lines of credit for business purposes within lending limits including completion of all required lending documentation for the lifetime of the loan; submits recommendations for credit to appropriate approval level; conducts regular portfolio reviews with members.
  • Promotes Unity Credit Union and maintains active involvement in the organization and community.

 

The Credit Union: Unity Credit Union is a successful rural-based credit union with assets over $300 million and 33 employees serving 5000 members.  Our vision is, “Partnering to Achieve Success and Build a Better Community” and that is how we work and serve every day.

 

The Community: Unity is a progressive community of approximately 2500 people located in West – Central Saskatchewan. Services include K-12 schools, full health center facility, skating and curling rinks with artificial ice, a regional park with a 9-hole grass green golf course, camping, new swimming pool.  Economic drivers include salt mining, manufacturing, agriculture, inland grain terminals, oil and gas industry and a grain alcohol and spirits plant. For more information on the town of Unity, visit www.townofunity.com.

 

 

If you have a passion for lending and would like to work with an amazing team where you can build and further your career, we would like to hear from you.   This position will remain open until a suitable pool of applicants has been received.

 

 

Interested applicants should submit a cover letter and resume to:

Christy Walker Manager of Lending
Email: christy.walker@unitycu.ca

 

The successful applicant will be required to undergo a bonding process that includes a reference check, criminal record check and credit check.

 

We thank all applicants in advance for their interest. Only those under consideration will be contacted.

Relationship Manager

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

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

How you’ll spend your time

  • Building long-term relationships through conversations with our agriculture and commercial members to understand their goals and concerns while working alongside them to improve their financial well-being
  • Delivering an exceptional member experience by providing top-notch business and financial advice, whether it be in branch or travelling to member locations – don’t worry we have a vehicle to get you there!
  • Helping members by utilizing both wealth and retail solutions for unique and complex financial needs, while thriving in a goal-oriented environment
  • Proactively promoting our products and services to meet/exceed our member expectations, ensuring compliance and member follow-up
  • On you… learning and spending time on personal and career development!


Who we’re looking for

  • Experience in consumer lending, 5 years+
  • Preference for applicants with agriculture and commercial lending background
  • Related post-secondary education (ex. Business Diploma); CUIC credentials an asset
  • Personable communication skills paired with excellent organizational & time management skills
  • Strong knowledge of MS Office suite including Excel
  • An understanding of compliance with lending requirements, rules and regulations


What you get in return

  • Life-work balance
  • Spectacular benefits package including health and dental coverage, life insurance, etc.
  • One of the best pension plans around – contributions matched at 8%
  • Variable compensation that rewards you for your personal outstanding performance
  • Ongoing career and personal development
  • Meaningful work that really makes a difference in our members’ lives
  • An organization that really treats you like family
  • A birthday cake on your birthday 🙂

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

  • Caring & Integrity – provides help to others and is respectful regardless of differences
  • Co-operation – works together and willing to put others’ needs first when necessary
  • Leadership – encourage innovation and empowers others to be their best!
  • Commitment – no job is too big or too small – reliable, dependable, and dedicated
  • Prosperity – always encouraging and working towards greater success
  • Communicating – clearly, honestly, and with positive intent
  • Flexible – travel to meet with members or ready for a quick convo at the ball field or the rink!

Interested?
We encourage you to apply now by sending your resume to Ellen Phillips at ephillips@raymorecu.com
Be sure to get your application in – we can’t wait for you to join us!
This opportunity will remain open until December 15, 2022.

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

Agriculture Specialist

Are you a strategic thinker who loves Business Banking?  Are you a team champion who best utilizes their skills to maintain relationships at all levels within an organization? Are you familiar with loan files, documentation, soliciting new members, potential members, and existing members with a view of expanding support to the entire Business Banking team?

If so, look no further, Westoba Credit Union is looking for an Agriculture Specialist just like you!

A day in the life as an Agriculture Specialist:

  • You will manage a portfolio primarily consisting of mid to large size Agriculture accounts with no specific regions.
  •  You will assist branches to achieve growth and profit of the agricultural loan base. Recommend and or implement approved programs designed to achieve these objectives.
  • You will ensure consistent account manager coverage and support the entire business banking team
  • You will support sales team to spend more time with their members to build fuller relationships
  • You will review proposed loan terms and interest rates to ensure they are within policy and in accordance with risk rating
  • You will ensure instructions outlining conditions of loan are clearly laid out in the approval for appropriate loan documentation to be prepared by branch personnel

What you bring to the table:

  • Post-secondary education is required; a diploma in Business Administration/Agribusiness is preferred
  • Three to five years of equivalent experience is preferred
  • A combination of education and experience may be considered assets
  • A forward-thinker with a can-do attitude who can adapt to any situation
  • A go-getter who is not afraid to take on new challenges
  • A high-energy individual who likes variety and who can get things done

What Westoba has to offer:

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

Compensation:

Westoba Credit Union offers competitive salaries, exceptional benefits packages as well as variable compensation. The compensation for the Agriculture Specialist will be $78,784.41 – $100,451.37 annually.

Job location: Manitoba

If this is you, please submit your cover letter and resume by clicking the Agriculture Specialist | Westoba Career Opportunities (ultipro.ca) If this role is not right for you, referrals are always welcome!

We thank all applicants; however, only those who are shortlisted will be contacted.

*Close date – November 4, 2022*

Agricultural Specialist – CUCM

 

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