Advice Specialist

**Pay Grade: Levels 5 - 7 ($23.51 to $36.17/hour -commensurate with qualifications and experience)**

**Job Function**:
Using the Advice Based model approach, proactively market the organization’s products and services by promoting, upselling and cross selling the full range of lending and investment vehicles with emphasis on retail loans, mortgages, credit card products, lines of credit, registered and non-registered deposit vehicles and sundry services.

Increase wallet share by looking for growth opportunities within assigned membership base. Actively participate in all branch sales campaigns and promotions and play a key role in the organization’s sales-oriented culture by performing all aspects of the mandate.

Maintain a high profile and image as the financial institution of choice in the community by establishing member and non-member client relationships and business contacts.

**Duties and Responsibilities**:
- Identify opportunities to promote, upsell and cross sell the Credit Union lending products including loans, mortgages, lines of credit and credit cards
- In concert with the Branch Manager/Assistant Branch Manager, assist with the execution of the branch marketing program to attain loan, deposit, sundry products and member growth within set objectives
- Represent the Credit Union in the community by participating in local business activities and community functions
- Assist with a variety of branch related duties and activities as instructed by the Branch Manager/Assistant Branch Manager
- Enter all information into CRM (sales, referrals, member interactions, information) that provides information to enhance the Credit Union’s opportunity to better serve the membership
- Refer members to Commercial & Agricultural Account Manager and Wealth Management Advisor as opportunities are presented
- Meet set sales objectives for investment and loan growth targets
- Approve and/or decline loans, mortgages and other lending products within the limits of authority as defined by the Credit Union Act, the By-laws and Credit Union Policy
- Interpret the branch operating procedures, lending policies and security requirements and ensure that guidelines are adhered to
- Ensure daily monitoring of the Delinquency Report. Follow up on delinquent accounts up to 30 days, contact members as required and maintain records of action taken in CRM
- Assist with Line of Credit Reviews and processing of required reports
- Negotiate mortgage renewals as required
- Handle member complaints in a courteous, professional manner
- May assist with training and mentoring of other Member Advice Specialists
- May assist the Branch Manager/Assistant Branch Manager with duties such as preparation of the month-end branch reports, assisting with branch operations and supervision of the branch during the Branch Manager/Assistant Branch Manager’s absence
- May be Mutual Fund licensed
- Perform other duties as assigned

**Qualifications**:

- Excellent communication and interpersonal skills
- Demonstrated attention to detail, thoroughness, and accuracy for auditing, checking and verifying work
- Ability to effectively identify member needs and match appropriate solutions
- Solid understanding of markets and trends in the industry
- Demonstrated relationship management and sales effectiveness skills
- Solid understanding of all retail products (investments, lending, deposit accounts, other)
- Solid knowledge of credit policies and procedures and the credit underwriting process an asset
- Post-secondary education in a related business field an asset