Retail Lending Officer Term Selkirk

Position Overview

The Retail Lending Officer is a member-focused Brand Ambassador responsible for all personal credit granting functions, performing analysis to assess loan viability and risk, and making appropriate recommendations. Using advice‑based sales, the Officer takes ownership of member needs, promotes the full range of credit union products and services, and builds relationships that add value and contribute positively to profitability.

• Identify member needs and sell a full range of credit union products and services, including loans, mortgages, lines of credit, and credit cards.
• Complete credit applications thoroughly, ensuring all relevant information is included and analyzed in supporting recommendations within established limits and procedures.
• Communicate terms and conditions of any credit product presented, ensuring consistency with the member’s needs and risk tolerance.
• Explain lending product conditions clearly (loan type, interest rate, security, searches, liens, etc.).
• Maintain thorough knowledge of and adhere 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 is granted; maintain a systematic collection procedure for early identification and follow‑up of problem accounts.
• Act as the primary contact for assigned members, managing the relationship on behalf of the credit union to ensure needs are met and the relationship remains profitable.
• Proactively retain and expand existing member relationships while pursuing new sources of business.
• Resolve member concerns and, when required, refer qualified prospects to specialists within the credit union.
• Provide input into development and achievement of branch sales goals, and actively participate in regular staff meetings.
• Maintain open communication and cooperation with other staff to foster a friendly and efficient work environment.
• Collaborate with team members to achieve organizational and department objectives.
• Participate in and contribute to an entrepreneurial environment, seeking 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 community groups and activities.

• Grade 12 diploma.
• Diploma/Certificate from a recognized post‑secondary institution focusing on business or finance, or equivalent, is an asset.
• Understanding and adherence to relevant policies and procedures (Privacy Act, Anti‑Money Laundering, Terrorist Financing Act, Credit Union Act, 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 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.

Starting salary: $51,139.00. Fixed Term position ending July
22026. 100% company‑paid health benefits, employer‑matched pension plan, continuing education opportunities, and career advancement within the credit union.

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