Access Credit Union
RetailLendingOfficerII
“Retail Lending Officer II at Access Credit Union. Skills: personal credit granting functions, advice-based sales, relationship management, business development. responsible for all personal credit granting functions. performing analysis to assess loan viability and risk”
What You'll Achieve.
contribute positively to the credit union’s profitability; achievement of branch sales goals; achieve organizational and department objectives
Industry & Context.
Ability to prioritize using sound judgment to make timely and effective decisions
What They're Looking For.
Must Have
Grade 12 diploma, Diploma/Certificate from a recognized post-secondary institution with focus on business or finance or equivalent, Understanding and adherence to relevant policies and procedures including but not limited to, the Privacy Act, Anti-Money Laundering, and Terrorist Financing Act, the Credit Union Act and Credit Union Loan Policies, Previous customer service and/or sales experience, Demonstrated desire to serve others in a friendly and professional manner, Ability to identify and willingness to act upon sales and service opportunities, interpersonal and communication skills, both verbal and written, Ability to work in fast-paced environment and perform well under pressure, Ability to prioritize using sound judgment to make timely and effective decisions, Attention to detail with high degree of accuracy, Ability to follow standardized policies and procedures
Nice to Have
Knowledge of Access Credit Union’s products and services, Knowledge of risk management within the financial industry
What You'll Do.
responsible for all personal credit granting functions
performing analysis to assess loan viability and risk
make appropriate recommendations
takes ownership of all the member’s needs promoting the full range of credit union products and services
building member relationships that add value and contribute positively to the credit union’s profitability
identify member needs and sell a full range of credit union products and services
including loans and mortgages
complete credit applications thoroughly ensuring that all relevant information is included and analyzed in supporting recommendations within established limits and procedures.
communicate to the member all terms and conditions of any credit
product being presented
ensuring that all products sold are consistent with the member’s needs and risk tolerance.
ensure instructions outlining the conditions of lending products clearly laid out (loan type
maintain thorough knowledge of and adhere to credit union policies and procedures on risk management
security and fraud prevention.
work directly with the loans processing department to ensure timely and accurate administration of documentation.
control loan delinquency through communication with the member prior and subsequent to the loan being granted.
maintain and document a systematic collection procedure for early identification and follow up of problem accounts.
operates as the primary contact for assigned members
managing the relationships on behalf of the credit union to ensure the members’ needs are met and the relationship remains profitable.
pro-actively work to retain and expand existing member relationships
while pursuing new sources of business.
responsible for resolutions of member concerns and escalating when required to the appropriate person or department.
refer qualified prospects to specialist within the credit union.
provide input into the development of and support the achievement of branch sales goals.
actively participate in regular staff meetings providing input when necessary.
maintain open communication and cooperation with other staff to ensure a friendly and efficient work environment.
work collaboratively with other team members to achieve organizational and department objectives.
participate in and contribute to an entrepreneurial environment to seek out new business and referral opportunities that support the branch and organization goals.
pro-actively work to retain and expand existing member relationships
while pursuing new sources of business.
differentiate between credit union and competitor products and services in terms of member needs.
act as an ambassador for the credit union by being visible in the community through professional and personal involvement in various community groups and activities.
How You'll Work.
Team & Collaboration
Provide input into the development of and support the achievement of branch sales goals.; Actively participate in regular staff meetings providing input when necessary.; Maintain open communication and cooperation with other staff to ensure a friendly and efficient work environment.; Work collaboratively with other team members to achieve organizational and department objectives.; Participate in and contribute to an entrepreneurial environment to seek out new business and referral opportunities that support the branch and organization goals.
Communication Scope
interpersonal and communication skills, both verbal and written
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