Financial Services Specialist

Company Description
We are current looking for an awesome person to join our Welland Branch
**Why join PenFi**

We have a lot of reasons to be proud to work here.
- We have a deluxe benefits package, success sharing program and comprehensive pension plan
- Local is everything. We're all about working with local businesses and partnering with our communities to make them strong and vibrant
- As a credit union, living the co-operative principles are part of our long and rich history
- We develop meaningful relationships with our co-workers and members - that means learning about their passions, families, ambitions and doing what we can to improve their lives
- We have a unique culture where we take our business seriously, but we like to have a little fun along the way
- Education is a priority and we offer an abundance of leadership and professional development programs and training to help you be the best you can be
- Corporate Social Responsibility is alive and well. From our award winning Skates for Kids Program to delivering financial literacy to new Canadians, to sponsoring local events - we donate our time, money and expertise
- We are all PenFi ambassadors and we live our truly local brand from the inside out

**Who we are**

We live, work and play in the Niagara Peninsula. We know Niagara's economy, it's people and every unique community. With over 20,000 personal and business members, we offer all of the products and services that our members have grown to know and love from their truly local credit union. We employ 100 truly awesome people with a desire to provide remarkable member experiences every single day.

**Job Description**:
Provide exceptional brand experiences for our members or a prospecting Member by delivering value-added service to members including loans, mortgages, registered and non-registered investment products and keep a watch for opportunities to promote other member services to support member success. Complete all administrative duties accurately and as per required timelines - “first time right”. Make sound lending decisions within limits.
- Differentiating Accountabilities (**Duties may vary by branch location and size)**:

- Meeting with members to gather all required information needed to make sound loan and mortgage decisions within discretionary limits and/or make recommendations for approvals and/or declines to manager. Identify opportunities to promote other member services to support member success. As appropriate, provide individualized financial counseling (i.e. debt consolidations, budgeting) and information to members. Meet with families to review accounts of deceased members. Lead the account opening process. As appropriate, sell and cross sell credit union loan insurance products through the education of members.
- Complete all administrative duties accurately and as per required timelines - “first time right” including preparing instructions in support of complete, accurate and compliant loan and mortgage documentation. Ensure accurate on LOS. Provide documentation for solicitors. Conduct PPSA/Credit Bureau reports. Balance and process CDI/CI/CL reporting and remittance. Address loan extension requests, substitution of security, and complete problem solving to best suit the members’ needs. Prepare and process CAFTs, mortgage renewals, extensions, and add-backs. Check credit files, registered (TFSAs, RESPs, RRSPs, and RRIFs) and nonregistered investment entries processed by other staff to meet risk management requirements. Accurate prepare all estate related administration. Respond to all assigned reports.
- Work with and support all staff in the branch to ensure overall exceptional brand experiences for our members. Be a positive influence on the culture within the branch. Actively support all branch campaigns and promotions. Back up MSRs as needed. Support the Saturday rotation schedule.
- Review and act on all delinquent accounts and maintain a systematic collection procedure for early identification of problem accounts and promptly initiate and/or recommend appropriate action to minimize risk and initiate action under direction of Branch Manager.
- Interview and advise members regarding investments, including but not limited to GICs, TFSAs, RRSPs, RESPs, etc., and make referrals to appropriate staff as necessary.
- Perform other assigned responsibilities.

**Qualifications**:
*
3+ years progressive experience in credit union or bank branch with lending limits

Additional Information

Location: 247 East Main Street, Welland, ON