Retail Lending Officer

Responsibilities

• Identify member needs and sell a full range of credit union products and services, including loans and mortgages, lines of credit, credit cards, etc.
• 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 or product being presented, ensuring that the products sold are consistent with the member’s needs and risk tolerance.
• Ensure instructions outlining the conditions of lending products are clearly laid out (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 and document a systematic collection procedure for early identification and follow up of problem accounts.
• Operate 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.
• Proactively 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.
• Provide input into the development of and support the achievement of branch sales goals.
• Actively participate in regular staff meetings providing input when necessary.
• Participate in and contribute to an entrepreneurial environment to seek out new business and referral opportunities that support the branch and organization goals.

• Grade 12 diploma
• Diploma/Certificate from a recognized post-secondary institution with focus on business or finance or equivalent is an asset
• 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
• Strong 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
• 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