Financial Services Officer

**Financial Services Officer**

**Elmsdale, Nova Scotia**

Are you ready for a new career journey at Nova Scotia's largest credit union? Join our dedicated team at East Coast Credit Union, where commitment to community, member satisfaction, and financial excellence are the foundation of everything we do.

East Coast Credit Union is a community-driven financial institution committed to a better banking model. A credit union is like a bank in many ways, but with cooperative ownership and special focus on people, not profits. We redefine the definition of local and bring Nova Scotians from many regions together with honest lending, savings, and investment products. Be part of an organization committed to fostering growth and empowering individuals on our team and in our East Coast community.

**You would**
- Conduct personal or telephone interviews with applicants to obtain personal and financial data to determine lending and/or investment needs.
- Analyze applicant financial status, credit, and property evaluation to determine feasibility of granting Approve or decline loan within approved lending limits or refer to the next higher approving position level with recommendations.
- Compile loan package and negotiates loan structure with applicant, including rates, terms repayment options, and other credit terms.
- Prepare documentation for loan renewals, loan payment extensions and substitution of loan
- Analyze current local market and potential trends to plan and develop relationship building
- Analyze potential opportunities involved in each situation to further assist the Cross sells borrowers on the benefits of utilizing other credit union services.
- Provide individual financial counseling and information to members on loan services and deposit products available through the credit union. Make referrals for those requiring financial planning advice.
- Monitor account overdraft activity to ensure accounts operate within limits and qualify from a risk standpoint. Ensure appropriate action is taken to minimize losses to the credit union.
- Initiate collection action; contact delinquent borrowers in person, by telephone, or by mail, to encourage prompt repayment of delinquent accounts. Work with delinquent borrowers to recover principle, interest, and security.
- Ensure adherence to Credit Union policies and procedures as well as legislative
- Complete reports and other duties as

**You have**
- A certificate or diploma in Business Administration plus have three to five years of experience in credit and in a financial institution; or an equivalent combination of training and experience in
- Experience working with various software and proven technical
- Knowledge of financial products, services and regulatory

**You are**
- Passionate about providing exceptional customer
- Able to achieve and exceed business/sales
- A strong communicator with lending and relationship building skills with the proven ability to exercise sound judgment, and discretion.
- Self-motivated with a strong work
- A critical thinker with problem-solving
- Accurate and have a high attention to

**We offer**
- Outstanding culture and opportunity to join an engaged and community-focused team.
- Competitive compensation ($56,328.88-$66,269.33) and benefits with performance-based incentives.
- Generous benefit package including a Flexible Health and Dental Plan (paid 100% by employer) and up to 9% contribution with employer match in the Defined Contribution Pension Plan.
- Tuition reimbursement, training, and personal development.
- Additional employee perks include but not limited to annual wellness credit; reduced rates on employee loans/mortgages and paid volunteer time.

**Applications will be accepted until: January 24, 2025.**

Please note that all offers of employment are conditional upon the acceptance of an Individual Fidelity Bond Application which includes a criminal check and a credit check.

Careers - About Us | East Coast Credit Union (eastcoastcu.ca)

At East Coast Credit Union, we are passionate about creating a diverse, equitable, and inclusive workplace and believe a diversity of perspectives, experiences and backgrounds benefit our employees, our members, and our communities.