Provincial Credit Union
Job Summary:
Job Description:
Join Atlantic Canada’s largest credit union, Provincial Credit Union and become part of a team committed to positively impacting our island communities. Provincial Credit Union is honored to be recognized as one of Canada’s Top 100 Employers for 2024! This achievement reflects our commitment to maintaining a dynamic and supportive workplace. Our core values of People, Purpose, and Possibility guide our mission of providing sound financial advice, planning, and education to our members. We believe in empowering our employees to deliver and support quality member experiences and fostering engagement within our communities. Join us in making a difference as we lead the way in serving the financial needs of islanders.
What You’ll Do:
- Assess new credit requests from existing members and prospective members, authorizing within established limits and submitting recommendations for credit to appropriate approval level.
- Monitors and controls assigned commercial loan portfolio as it pertains to annual reviews including financial statement analysis, risk assessment and debt structure.
- Builds relationships with existing clients; networks with external parties to generate new business.
- Call on existing relationships to review portfolios and make recommendations / provide advice.
- Proactively manage and promote to managed accounts other business services and non-credit products, including deposits; reviews current portfolio to ensure members have proper banking products.
- Collection and follow-up for delinquent loans and excess operating facilities. Undertakes, and / or, recommends appropriate collection activity including legal action, security realization.
- Travel to surrounding branches is required.
What You Have:
Required Education and Experience
- College diploma or University degree plus have a minimum of three years’ experience in direct business lending.
Skills and Abilities
- Demonstrated ability to proactively listen, identify sales opportunities, solve problems, are sales oriented with a member service mindset.
- Exceptional communication and relationship building skills with the proven ability to exercise sound judgment and discretion.
- Strong analytical and decision-making skills. In-depth understanding of financial products, trends and service offerings.
- Proven organizational, planning and multi-tasking skills.
- Demonstrated accuracy and attention to detail
- Proven ability to interpret financial data.
- Ability to work independently and be a team player.
- Thorough knowledge of risk management practices; internal auditing and regulatory compliance.
- Proven ability to prepare and present written/oral reports.
- Proficiency in the use of technology.
What we offer:
- Outstanding Culture: Join an engaged and community-focused team that fosters a positive work environment.
- Market Competitive Compensation: Enjoy a competitive salary along with an annual bonus program.
- Generous Benefit Package: We provide a comprehensive benefits package, including a flexible health and dental plan, sick time, and a Defined Contribution Pension Plan and Group Retirement Saving Plan with up to 9% employer contribution.
- Work-Life Balance: Start with three weeks of vacation per year, supplemented by four personal days and two volunteer days.
- Professional Development: Take advantage of tuition reimbursement, training programs, and career progression opportunities.
- Employee Perks: Enjoy additional perks such as an annual fitness and clothing allowance, reduced rates on employee loans and mortgages, and no service fees on banking transactions.
- Salary range for this position: $73,503 – $86,474.
Join our team at Provincial Credit Union and enjoy a rewarding career with competitive compensation, comprehensive benefits, and a supportive work environment that values your growth and well-being.
Please note that all offers of employment are conditional upon the acceptance of an Individual Fidelity Bond Application which includes a criminal check and a credit check.
Closing date is August 7th, 2024.
Diversity and Inclusion:
Provincial Credit Union invites applications from all qualified individuals. Provincial Credit Union is committed to employment equity and diversity in the workplace, and welcome applicants from diverse backgrounds. Accommodation is available for applicants with disabilities throughout the recruitment process.