Retail Lending Officer

**Retail Lending Officer**

**Full-time permanent - Morden, MB**

**Starting salary - $42,525**

**Why should you join our team?**

At Access Credit Union, we support a professional and innovative work environment with a corporate culture that uniquely embraces empowerment, accountability, and trust. We recognize and value each employee's contributions to our success, which is why we offer competitive compensation, 100% company paid health benefits, employer-matched pension plan, continuing education, and career advancement opportunities within our credit union.

**At Access Credit Union, our values are straightforward**:

- Do good
- Be better
- Own it
- Move forward

**What will you be doing?**

The Personal Account Manager is a member-focused Brand Ambassador who is responsible for all personal credit granting functions, performing analysis to assess loan viability and risk, and make the appropriate recommendations.  Using advice -based sales, the Personal Account Manager 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.

**Key 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.
- 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, 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 and subsequent to the loan being granted. Maintain and document a systematic collection procedure for early identification and follow up of problem accounts.

**What do you need?**
- 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
- Valid driver’s license and access to a vehicle

**Are you ready to?**
- Be an ambassador for our brand, values and products
- Ensure things get done efficiently
- Go home each day feeling accomplished
- Challenge the status quo
- Build a career
- Continue learning

**We welcome diversity, value inclusion, and take pride in our vibrant corporate culture. Our team is a reflection of the members we serve and the communities we live in.**

**Salary**: From $42,525.00 per year

**Benefits**:

- Company events
- Company pension
- Dental care
- Disability insurance
- Employee assistance program
- Extended health care
- Life insurance
- Vision care
- Wellness program

Schedule:

- Day shift
- Monday to Friday

Supplemental pay types:

- Bonus pay

Work Location: In person

Application deadline: 2023-07-31