Credit Authorizer

At Desjardins, we believe in equity, diversity and inclusion. We're committed to welcoming, respecting and valuing people for who they are as individuals, learning from their differences, embracing their uniqueness, and providing a positive workplace for all. At Desjardins, we have zero tolerance for discrimination of any kind. We believe our teams should reflect the diversity of the members, clients and communities we serve.

Job Level

NV-07

Vous agissez à titre d’expert et de personne-ressource en financement (autorisation de crédit, coaching des nouveaux conseillers en finances personnelles, accompagnement dans les dossiers complexes, ex : auto construction et multi locatif). Vous assurez la transversalité du financement et procédez à l’autorisation du crédit selon les règles établies. Votre expertise vous permet d’assurer la cohérence entre la satisfaction des membres et clients, les objectifs d’affaires, la gestion saine et prudente des risques et la rentabilité.

Vous entretenez des collaborations avec divers partenaires et experts en vue de proposer des stratégies intégrées en réponse aux besoins des membres et clients.

La personne titulaire agit à titre d’expert en financement. La titulaire de ce poste est en support aux gestionnaires dans l’accompagnement des ressources.

General Information on the Position

Main responsabilities- Offer support to new resources in terms of integration into the team and coordinate training sessions to explore topics related to their role in collaboration with the manager.- Accompany the new resources in their relational approach and their advisory role with members who have financing needs.- Provide coaching to new advisors and propose ideas and solutions to improve performance.- Provide support to all personal finance advisors as financing experts as well as to the management team.- Accompany the advisors and act as a financing expert in the analysis of complex files (federated authorization, self-employed workers, income properties, self-construction, etc.).- Analyze mortgage files in order to proceed with credit authorization.- In addition to acting as a resource person for all employees in credit files, she contributes to the development of advisors in rate negotiations.- In collaboration with the advisor, identify and analyze the needs of the members and clients, develop an adapted solution, prepare an integrated service offer and plan the negotiation of the advisor with the members and clients.- Be involved in resource development plans for the financing component.- Share best practices in member/client relations, compliance and business development.- Monitor and identify business development opportunities to support the competitiveness of the products and services offered. Appropriate and share new developments related to the evolution of credit practices and facilitate this aspect with the team.- Ensure the regular follow-up of activities and operations to be processed for financing files within the deadlines as well as the implementation of necessary adjustments in order to improve productivity and the quality of service to members and clients.- Contribute to the assessment of advisors in order to promote their professional development in terms of relational and technical skills related to the advisory business.- In collaboration with the manager, evaluate the employee's level of performance and mastery of their new role.- Respect the policies, practices and standards in effect as well as the various laws governing the distribution of financial products and services. Ensure sound and prudent risk management.- Keep abreast of financial news, market trends and best practices in your field of activity.

Other working conditions- Workplace: The work arrangement for the position is hybrid work #LI-Hybrid- Number of jobs available : 1

**Qualifications**:
- Bachelor's degree in a related field- A minimum of 1 year of relevant experience

Please note that other combinations of qualifications and relevant experience may be considered- Hold a mutual fund representative certificate - Autorité des marchés financiers- For vacant positions available in Quebec, please note that knowledge of French is required

Specific knowledge- Knowledge of financial, economic, political and legislative news- Knowledge of all the products and services available to Caisse members and those offered by Desjardins Business Centres, components, and Desjardins and competitor distribution networks- Knowledge of debt management- Knowledge and notions of compliance with the laws governing the distribution of financial products and services- Knowledge of the philosophy and operations of a financial services cooperative- Knowledge of policies, legislation and standards related to products and services offered by the Caisse- Knowledge of the Desjardins business process and service standards

Desjardins Cross-sector skills

Action oriented, Customer Focus, Difference