Branch Experience Leader – Valley Credit Union

Valley Credit Union is a full service financial institution with 7 branch locations, 65 employees, and over $188M in assets. Located in the beautiful Annapolis Valley, Valley Credit Union is seeking an experienced Regional Manager, Member Experience to join our team

  • Do you enjoy interacting with people?
  • Would you like to make an impact with meaningful work?
  • Are you a natural leader?
  • Do you see people first, not a number?
  • Have you proven your ability to provide a supportive team environment?
  • Will you go the extra mile?

If this describes you, keep reading…

 

Valley Credit Union is seeking an experienced Branch Experience Leader, Member Experience to join our team who will hold overall responsibility for the New Minas Branch, reporting to the Regional Manager.  The incumbent will provide effective leadership to champion the staff in the delivery of branch growth, profitability, business development and retention, and member satisfaction.

Key responsibilities:

  • Coach, lead, and provide support to branches.
  • Focus on success as it relates to our Strategic Plan.
  • Supervises the lending portfolio including delinquency follow-up, credit line renewals, credit checks, employment verifications, collateral documentation and filing, registry searches, etc. Ensures appropriate action is taken to minimize losses to the credit union.
  • Conducts personal or telephone interviews with applicants to obtain personal and financial data to determine lending needs.
  • Coach employees to ensure all employees achieve annual sales/growth targets.
  • Foraging lasting relationships, having meaningful conversations with members, and participating in community events.
  • Ensuring progression on staff’s personal development; fostering engaged employees.
  • Supervises the lending portfolio including delinquency follow-up, credit line renewals, credit checks, employment verifications, collateral documentation and filing, registry searches, etc. Ensures appropriate action is taken to minimize losses to the credit union.
  • Conducts personal or telephone interviews with applicants to obtain personal and financial data to determine lending needs.
  • Ensure loan quality is within acceptable delinquency and loan loss levels. Ensure that all required documents, reports, etc. are properly completed and forwarded within acceptable time frames and are in good order
  • Oversee branch loan approval procedures, review approved loans for quality and adherence to policy, address areas of concern; taking corrective action on potentially deteriorating situations.
  • Ensure branch profitability is maximized.
  • Partner with our wealth and commercial teams to introduce a variety of diverse solutions to our members and prospective members.
  • Ensure branch operations are efficient, effective and compliant with all regulations. (Audit/privacy/security/loss prevention)
  • Ensure branch profitability is maximized by eliminating unnecessary expenses, collecting appropriate revenues, pricing loans in accordance with risk levels, and pricing deposits according to prevailing directives.
  • Ensure that your branch employees are fully knowledgeable on products, policies and procedures applicable to each employee.
  • Analyzes applicant financial status, credit, and property evaluation to determine feasibility of granting loan. Prepares credit information necessary to establish credit limit including such factors as applicant’s assets, credit experience, and personal references, debt/income ratio, credit score, and other underwriting procedures, in accordance to policy and procedures. Verifies applicant’s credit worthiness by obtaining credit bureaus, contacting employers, existing and former creditors, and personal references. Approves or declines loans, lines of credit, mortgages, overdrafts, credit cards and/or payment cards within approved lending limits or refers to the next higher approving position level with recommendations. Notifies customer-owner of acceptance or rejection of application.
  • Compiles loan package and negotiates loan structure with applicant, including rates, terms repayment options, and other credit terms. Ensures loan agreements are complete and accurate according to policy and regulatory requirements and security is place prior to the disbursement of the funds. Ensures timely loan closing and disbursement of funds.
  • Processes customer-owner transactions, applications for loans, mortgages, lines of credit, overdrafts, credit cards and payment cards. Responds to customer-owner inquiries and/or requests and handles or refers to the appropriate personnel.
  • Analyzes potential opportunities (e.g. need for other products and services such as lending, deposit, credit/debit card) involved in each situation to further assist the customer-owner as well as increasing the credit union’s lending/deposit portfolio and use of products.  Cross sells borrowers on the benefits of utilizing other credit union services.

Successful Candidate will possess the following qualifications:

  • Successfully completed a bachelor’s degree with an emphasis in Business or Commerce
  • 3-5 years supervisory experience in a financial institution; or an equivalent combination of behaviours, training and experience in credit management
  • Exceptional communication skills
  • Work planning and management skills
  • Demonstrated ability to provide effective coaching and leadership
  • Proven sales experience with a customer service mindset

To learn more about Valley Credit Union, click here.

If you are interested in joining a team that believes in going the extra mile, please submit your cover letter and resume outlining your qualifications to Nicole Trentelman at ntrentelman@valleycreditunion.com quoting job number BEL-001-2020

Although we appreciate all applications, only those selected for an interview will be contacted.

Closing Date: January 29th 2020