Retail Lending Officer Term Beausejour

Job Overview

We are seeking a Retail Lending Officer to serve as a member‑focused Brand Ambassador, responsible for all personal credit granting functions, performing analysis to assess loan viability and risk, and making appropriate recommendations.

• Identify member needs and sell a full range of credit union products and services, including loans, mortgages, lines of credit, credit cards, and more.
• Complete credit applications thoroughly, ensuring 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, ensuring products sold are consistent with the member’s needs and risk tolerance.
• Ensure instructions outlining lending conditions (loan type, interest rate, security, searches, liens, etc.) are clearly laid out.
• Maintain thorough knowledge of and adherence to credit union policies and procedures on risk management, confidentiality, 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 to and after the loan being granted; maintain a systematic collection procedure for early identification and follow‑up of problem accounts.
• Operate as the primary contact for assigned members, managing relationships to ensure members’ needs are met and the relationship remains profitable.
• Proactively work to retain and expand existing member relationships while pursuing new sources of business.
• Resolve member concerns and elevate when required to the appropriate person or department; refer qualified prospects to specialists within the credit union.
• Provide input into the development of and support the achievement of branch sales goals; actively participate in regular staff meetings.
• 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 new business and referral opportunities that support branch and organization goals; 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.

• Grade 12 diploma.
• Diploma/Certificate from a recognized post‑secondary institution with a focus on business or finance, or equivalent.
• Understanding and adherence to relevant policies and procedures, including the Privacy Act, Anti‑Money Laundering, 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.
• Strong interpersonal and communication skills, both verbal and written.
• Ability to work in a fast‑paced environment and perform well under pressure.
• Ability to prioritize using sound judgment to make timely and effective decisions.
• Attention to detail with a high degree of accuracy.
• Knowledge of Access Credit Union’s products and services.
• Ability to follow standardized policies and procedures.
• Knowledge of risk management within the financial industry.
• Proficient computer skills.

• Competitive compensation starting at $51,139.00.
• 100% company‑paid health benefits.
• Employer‑matched pension plan.
• Continuing education and career advancement opportunities within the credit union.

• Employee Sub‑Type:
  Fixed Term (Fixed Term)
• Target End Date: 2027‑11‑30