Lending Specialist

**Lending Specialist**

**Flexible Location, NS**

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.

East Coast Credit Union is seeking a **Virtual Branch Lending Specialist** to join our team. Reporting to the Assistant Manager, Virtual Branch Lending, the Lending Specialist is responsible for developing and growing our digital/online portfolio including but not limited to Dealer Finance, Mortgages, Loans, account opening and deposits/investments, as well as promoting other products and services to existing and prospective members. The incumbent represents the Credit Union in a professional manner; establishes and maintains strong third party and member relationships.

**You would**
- Process and decision multiple lending request within short time frames in an efficient and timely manner.
- Analyze applicant’s financial status, credit, and property evaluation to determine feasibility of granting loan. Approve or decline loan within approved lending limits or refers to the next higher approving position level with recommendations.
- Compile loan packages and negotiate 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 securities.
- Proactively identify new products and services to support the member’s financial goals Proactively contact members on a regular basis to retain business and/or solicit new business.
- 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.
- Periodically contact dealers and mortgage brokers in order to maintain and build strong relationships with third party partners.
- Recommend new procedures and/or changes to procedures for new and existing loan and deposit products and services.
- Proactively contact members and update Member Records and Relationship Management Systems on a regular basis.
- Follow the Credit Union’s security and risk management procedures.
- Keep up-to-date with industry news, trends and current local market.

**You have**
- A certificate or diploma in Business or Commerce plus have a minimum of five years of lending experience or an equivalent combination of training and experience in credit.
- Strong communication, negotiation and relationship building skills with the proven ability to exercise sound judgment, and discretion.
- Proven technical ability.
- Experience with Dealer Financing and/or Mortgage Brokerage.

**You are**
- Passionate about providing exceptional customer service.
- Able to achieve and exceed business/sales objectives.
- Able to work in a fast-paced environment and cope with internal process and technological changes as well as changes in the financial industry.
- Self-motivated with a strong work ethic.
- A critical thinker with problem-solving skills.
- Accurate and have a high attention to detail.
- A great communicator with time management skills.
- Bilingual (English & French) would be an asset.

**We offer**
- Outstanding culture and opportunity to join an engaged and community-focused team.
- Competitive compensation to commensurate with experience ($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: November 15th, 2024.**

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.

**Job Types**: Full-time, Permanent