Careers

SUMMARY

This position reports to the Branch Manager. The Financial Services Officer II will be responsible for performing a wide variety of duties by providing advice, and ongoing sales and service to members and potential members by promoting a full range of investment and lending vehicles. Under general direction the Financial Services Officer II will manage an assigned portfolio and complete the sales of a full range of deposit and lending products and services by identifying and pursuing relationship building opportunities within the existing portfolio or through referrals.  This position will be required to champion LVCU’s relationship selling culture by participating in branch campaigns, promotions, establishing member and potential member relationships and business contacts and assist peers in resolving complex questions and inquiries. The Financial Services Officer II must maintain a high degree of accuracy and complete confidentiality.

KEY RESPONSIBILITIES

• Enhance each member experience by proactively offering suggestions and solutions that will add value to their life and their banking relationship with LVCU.
• Responsible for opening new accounts and effectively matching appropriate services to the members’ needs.
• Responsible for the sale of LVCU’s suite of savings and investment products including deposits, transfers or withdrawals.
• Responsible for the sale of LVCU’s suite of registered savings and investment products including deposits, transfers or withdrawals.
• Responsible to manage estate accounts.
• Interview loan applicants, analyze financial information, assess credit and approve the full suite of retail lending products, including mortgages, within discretionary limits and/or make recommendations for approvals/declines to Branch Manager.
• Review members profile at each interaction to identify opportunities to promote, up sell, cross sell the credit union credit products including mortgages, consumer loans, lines of credit, credit cards and other registered and non-registered investment products.
• Supports organizational sales objectives by taking lead role in various marketing promotions, business development initiatives and community functions.
• Exhibit a high commitment to personalized member relationships by promoting the concept of relationship management, proactive financial coaching and referral to other resources such as wealth management or commercial credit department were warranted.
• Interpret the branch operating procedures, lending policies and security requirements and ensure that guidelines are adhered to.
• Establish, build and maintain productive and effective working relationships with members, non-members and the business community.
• Other duties as required.

REQUIRED KNOWLEDGE SKILL AND ABILITIES

• Sales and Service focus with an aptitude for business development and relationship building.
• Strong commitment to continuous learning.
• Excellent communication and interpersonal skills.
• Demonstrates leadership ability and team development skills.
• Maintains a positive attitude towards corporate initiatives and change management.
• Strong follow up skills.
• Strong analytical skills and entrepreneurial mindset.
• Demonstrates dedication to providing quality member sales and service.
• Proven ability to be creative and innovative.
• Knowledge and understanding of business planning, accounting, lending and sales is considered an asset.

EDUCATION AND EXPERIENCE

• Minimum 1 years experience in a financial institution.
• Minimum 1 years experience Financial Service Officer I plus completion of required courses for Financial Service Officer I and II or an equivalent combination of education and experience and a demonstrated ability to effectively and efficiently carry out the lending duties and responsibilities of the Financial Service Officer II position as laid out in this position description.
• Bachelor’s degree, preferably in Business, Finance or Commerce is considered an asset.
• Completed the following courses or demonstrated equivalency:
  • The Credit Union System CU00-200
  • Applied Residential Mortgage Lending CU02-RMPL
  • Applied Consumer Lending CU02-CLP
  • Residential Construction Financing CU02-RCF
  • Fundamentals of Personal Financial Planning CU00-240
  • Handling Estates Effectively CU02-HEE

Please note: Vacation schedules previously approved from other departments may be reviewed by the hiring manager and will be subject to departmental availability.

Candidates are invited to email their cover letter and resume to the Human Resources Department at recruitment@lvcu.ca

We thank all applicants for their interest in Lake View Credit Union; however, only short-listed candidates will be contacted. 

 

SUMMARY

The Mobile Mortgage Specialist will develop and manage the member’s mortgage and loan portfolios, provide superior member service and business development through proactive sales efforts and quality credit control. This position will be responsible for providing coverage and travelling between Lake View Credit Union’s locations, providing service to members anytime and anywhere. The Mobile Mortgage Specialist sources residential mortgage business and builds strong relationships; networks extensively within communities; and establishes and maintains lasting business relationships with realtors, developers, builders, and members. The Mobile Mortgage Specialist recognizes opportunities and takes the initiative to promote and cross-sell credit union products and services and refers to other staff and/or subsidiaries where appropriate,

KEY RESPONIBILITIES

• Recognizes members needs and delivering products and services; Enhance each member experience by proactively offering suggestions and solutions that will add value to their life and their banking relationship with LVCU
• Review members profile at each interaction to identify opportunities to promote, up sell, cross sell the credit union credit products including mortgages, consumer loans, lines of credit, credit cards and other registered and non-registered investment products.
• Exhibit a high commitment to personalized member relationships by promoting the concept of relationship management, proactive financial coaching and referral to other resources such as wealth management or commercial credit department were warranted.
• Interview loan applicants, analyze financial information, assess credit and approve the full suite of retail lending products, including mortgages, within discretionary limits and/or make recommendations for approvals/declines
• Completes applications and related documentation for new loans, renewals, loan payment suspensions, alterations and substitutions of security
• Ensures profitability of loan through application of loan rates, service charges and overdue interest
• Grants mortgage and other loan applications such as lines of credit and overdrafts within approved lending limits; establishes repayment schedules and amortization periods
• Submits completed applications for loans over specified lending limits along with recommendations to the manager for approval

• Provides individualized financial counselling such as debt consolidation and information to members on loans services and deposit products offered through the branch
• Prepares releases of security on paid out loans; interprets system-generated loan reports and identifies further action required to address problem areas such as pending delinquency
• Reviews delinquent accounts, analyses current status and initiates action to collect on delinquent loans according to specified branch procedures and time limits
• Supports organizational sales objectives by taking lead role in various marketing promotions, business development initiatives and community functions.
• Perform other duties as required

REQUIRED KNOWLEDGE SKILL AND ABILITIES

• Communicates clearly and effectively, both verbal and written
• Demonstrates the ability to be detail oriented and manage multiple tasks
• Demonstrates effective organization and time management
• Able to make sound judgment and analyze problems
• Able to work independently and as a team with minimal supervision
• Demonstrates the ability to adhere to company policies, procedures and with provincial and federal regulations
• Demonstrates respect and integrity in the workplace
• Demonstrates initiative in the workplace
• Demonstrates product knowledge
• Able to make written recommendations of new loan proposals for approval

EDUCATION AND EXPERIENCE

• 3 years experience in a financial institution
• 3 – 6 years loans experience
• Bachelor’s degree, preferably in Business, Finance or Commerce is considered an asset.
• Completed the following courses or demonstrated equivalency:
  • The Credit Union System CU00-200
  • Applied Residential Mortgage Lending CU02-RMPL
  • Applied Consumer Lending CU02-CLP
  • Residential Construction Financing CU02-RCF
  • Fundamentals of Personal Financial Planning CU00-240
  • Handling Estates Effectively CU02-HEE

Interested candidates are invited to email their cover letter and resume to Human Resources at hr@lvcu.ca

We thank all applicants for their interest in Lake View Credit Union; however, only short-listed candidates will be contacted. 

SUMMARY

This position is responsible for recognizing the needs of the member and acting promptly to provide solutions. This role is required to demonstrate product and service knowledge through cross-selling and the promotion of business development.  This position works closely with the Financial Services Officers in supporting revenue-generating activities.

KEY RESPONSIBILITIES

• Recognizes member needs, and service opportunities and promotes all Credit Union services.
• Makes referrals to the Financial Services Officers and Wealth Management as appropriate
• Demonstrates product knowledge
• Processes cheque orders for personal and business members
• Processes member card orders, member card re-pins, and member card limit change requests
• Processes new requests for direct services and performs maintenance on access codes and security questions
• Processes requests for suppression and e-statements
• Processes re-pin requests for Mastercard’s
• Processes outgoing wire transfers
• Provides members access to Safe Deposit Boxes
• Ensures basket items are complete
• Ensures filing is up to date
• Opens and closes chequing, savings, and safe deposit box accounts.
• Processes change of signor requests for existing business members
• Notifies members of accounts changing from Junior to Regular and updates the banking system
• Enhances each member's experience by proactively offering suggestions and solutions that will add value to their life and the banking relationship with LVCU.
• Processes deposit and withdrawal transactions associated with LVCU’s suite of registered savings and investment products
• Review members’ profiles at each interaction to identify opportunities to promote, up-sell or cross-sell LVCU credit products including consumer loans, lines of credit and credit cards
• Supports organizational sales and sales objectives by participating in various marketing promotions, business development initiatives and community functions
• Exhibits high commitment to personalized member relationships by promoting the concept of relationship management, proactive financial coaching, and referral to other resources such as wealth management or commercial credit department
• Establishes, builds, and maintains productive and effective working relationships with members, non-members, and the business community
• Other related duties as assigned

REQUIRED KNOWLEDGE SKILLS AND ABILITIES

• Sales and Service focus with an aptitude for business development and relationship building
• Strong commitment to continuous learning
• Excellent communication and interpersonal skills
• Maintains a positive attitude towards corporate initiatives and change management
• Strong follow up skills
• Demonstrates dedication to providing quality member sales and service
• Proven ability to be creative and innovative
• Able to identify members needs, answer enquires and provide solutions
• Able to process all teller transactions promptly and accurately
• Demonstrates product knowledge
• Demonstrates the ability to be detail oriented and manage multiple tasks
• Demonstrates effective organization and time management
• Able to make sound judgment and analyze problems
• Demonstrates an affinity for basic mathematics
• Demonstrates the ability to adhere to company policies, procedures, and provincial and federal regulations
• Able to deal with people sensitively, tactfully, diplomatically, and professionally at all times
• Demonstrates accountability, integrity, and cooperation in the workplace
• Demonstrates leadership ability and team development skills
• Strong analytical skills and entrepreneurial mindset
• Knowledge and understanding of business planning and sales

EXPECTED OUTCOMES OF THE ROLE

• Provide high-quality services, processes, and products while consistently seeking ways to improve outcomes and enhance service
• Accurate and timely member transactions
• Positive internal and external service levels are achieved through proactively and resourcefulness
• Prioritizing and making on-the-spot decisions regarding member transactions, weighing member satisfaction issues with company exposure to loss or fraud
• Supports the team to achieve results
• Member experience levels are achieved through the process of listening, asking open-ended questions, discussing solutions, providing recommendations, and following up with an outcome
• A positive and professional work environment is maintained

CORE COMPETENCIES AND BEHAVIOURS

Accountability

• Takes personal ownership in contributing to the organization
• Inspires others to take personal ownership

Adaptability

• Demonstrates flexibility, adapts to the situation
• Adapts to widely varied needs
• Adapts plans and goals

Building Trust/Integrity

• Communicates information fairly, honestly and objectively
• Advises co-workers of political conflicts

Continuous Learning

• Demonstrates self-awareness and lifelong learning
• Continually improves skills and capabilities; is willing to learn new things; actively identifies new areas for growth
• Proactively investigates new perspectives, attitudes and behaviours and takes steps to evaluate and improve performance in the organization

Member Focus

• Establishes effective member relationships
• Contributes to positive outcomes for the member
• Meets long-term members needs

Teamwork

• Actively participates on team
• Encourages and involves other team members
• Facilitates effective outcomes
• Resolves conflicts within the team

POSITION COMPETENCIES

• Attention to Detail
• Communication
• Concern for Excellence
• Decision Making
• Drive
• Initiative
• Judgment
• Member Service Orientation
• Problem Analysis
• Problem Solving

EDUCATION AND EXPERIENCE

• Minimum 3 years’ customer service experience
• Experience working in a financial institution an asset
• Post secondary education in business, finance, accounting or equivalent

Please note: Vacation schedules previously approved from other departments may be reviewed by the hiring manager and will be subject to departmental availability.

Candidates are invited to email their cover letter and resume to the Human Resources Department at recruitment@lvcu.ca.

We thank all applicants for their interest in Lake View Credit Union; however, only short-listed candidates will be contacted.