Small Business Advisor

2 months ago

St Catharines, Canada Meridian Full time

Description

"> Why Meridian? At Meridian, our aspiration is to integrate our purpose into everything we do for people, the planet, and communities. We believe that our greatest opportunity is to create opportunity and meet people where they are. Find our story here:   Our Business Banking Practice: Our vision is to be recognized as the financial institution that has the most local impact, supported by a purposeful value proposition to our Members. We take the time to get to know our Members' business, anticipate their needs and provide customized solutions. After all, our obligations are to our Members, not shareholders, and we take to heart the best interests of our Members and communities we serve We're passionate about what we can do for their business, and we’re empowered to leverage our local autonomy to meet their unique needs. In addition to building customized solutions for business, we offer full service commercial banking solutions, including a wide selection of daily banking products, complementary lending services, cash management solutions, as well as insurance and investments. As a Small Business Advisor: You will be accountable for contributing to the overall success by achieving sales through business development, retention of Members and referrals. The Advisor will manage an existing portfolio and/or build a Small Business portfolio by developing new relationships, while retaining and growing existing Meridian Credit Union Member relationships within the assigned communities. The individual will be required to network to establish quality centres of influence (COIs) with local business leaders that will refer them business. What you will do:
  • Manage a portfolio of Member accounts and provide Small Business owners with exceptional service and sound financial advice to meet their unique business and personal credit, deposit, cash management and payment processing needs.
  • Analyze the Member’s financial condition and within approval limits provide (may or may not have approval limits) or recommend financial solutions to best meet the Member’s business and personal needs.
  • Manage portfolio at an acceptable level of credit risk by completing credit reviews, authorizing, renewing or declining Member requests, preparing documentation and identifying any deteriorating and/or unsatisfactory trends.
  • Probe to identify member needs and opportunities to sell or refer to appropriate team members or delivery channels. Solicit products and services highlighting features and benefits in order to deepen member relationships.
  • A significant portion of time will be dedicated to new acquisition activities and the Senior Small Business Advisor will spend 30%-50% of their time outside the branch.
  • Ensure profitability of all transactions by appropriate application of rates (discretionary pricing, risk based lending), service charges and collection of overdue interest.
  • Cross-sell Meridian’s products and services to solicit new members; foster business development through relationship and product knowledge.
  • Partner and work collaboratively with the Branch sales team and internal wealth and commercial partners to ensure Meridian provides the Member with the most appropriate solution to address their financial needs.
  • Responsible to manage each member transaction from interview through file completion inclusive of documentation and administration.
  • Follow audit, compliance, risk management, fraud policies and procedures.
  • Promote Meridian Credit Union in your community by participating in and being involved in community activities or events while demonstrating the company values.
  • Participate in Company sponsored events in support of your local community.
How you will succeed:
  • Post-secondary education in a business or related field or relevant working experience.
  • 3-5 years of experience in a relevant financial services environment including credit training, financial analysis, personal banking services personal account management and in-depth knowledge of all investment and lending products.
  • Knowledge of the Small Business market, products and services, applicable risk management policies and legal and security documentation for small business products.
  • Entrepreneurial spirit and a passion for sales
  • Solid understanding of financial statements and business analysis
  • Comfortable working independently but also collaboratively with others
  • Comfortable with networking and making new contacts
  • Organizational, influencing and presentation skills.
  • Advanced credit and interviewing techniques, credit investigation and underwriting skills.
  • Experience with Microsoft Office applications
  • Flexibility in scheduling with the ability to work evenings and weekends for events when needed. 
Join us This role is hybrid. The office is located at 75 Corporate Park Drive, St. Catharines, Ontario Meridian has a remote work policy that allows flexibility for employees to work remotely but also requires regular time in the office for purposeful meetings to collaborate, innovate and build effective relationships with your team, your colleagues and your leader which is very important to us. What's in it for you?
  • We have an inclusive and collaborative working environment that encourages creativity, curiosity, and celebrates success
  • We provide you with the tools and technology needed to delight your candidates and clients
  • You'll get to work with and learn from diverse industry leaders, who have hailed from top organizations around the world
  • Hybrid work arrangements with in-person office time to collaborate, innovate and build relationships with your colleagues
  • This isn't your typical "corporate" job. We work hard and we have fun
Who we are: Meridian is Ontario’s largest credit union, and second largest in Canada, helping to grow the lives of our more than 360,000 Members. Meridian has more than 75 years of banking history and is 100% owned by its members. With 89 retail branches and 15 Business Banking Centers across Ontario and $ 30B in assets under management, Meridian offers a full range of financial products and services to its retail, business banking and wealth members. With over 2000 employees and corporate offices located in Toronto and St. Catharines, Meridian has a track record of creating and delivering innovative new offerings and is committed to investing in the communities that we serve. Our plan is to build on our momentum as we deliver on our purpose - helping our members achieve their best life. Find our story here:  

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