Financial Services Officer, Dartmouth, NS, East Coast Credit Union

East Coast Credit Union is seeking a Full-time Financial Services Officer to join our team!
This position is located in our Dartmouth branch. Build your career at East Coast Credit Union,
where you will discover exciting professional opportunities and a collaborative workplace with
great benefits and teams that support you!

East Coast Credit Union is a full-service financial cooperative organization that is deeply
committed to the communities in which we live and work. With 18 locations from Halifax to Cape
Breton and a virtual presence, we offer refreshingly honest banking and take pride in providing
an exceptional member experience.

Reporting to the Branch Manager, the Financial Services Officer is responsible for examining,
evaluating, authorizing, or recommending approval of borrower’s applications for all consumer
credit products. The incumbent is also responsible for promoting and selling various deposit
products available through the credit union including but not limited to Term Deposits, RRSPs
and RRIFs.

You would…
• Conduct personal or telephone interviews with applicants to obtain personal and financial
data to determine lending and/or investment needs.
• Analyze applicant financial status, credit, and property evaluation to determine feasibility of
granting loan. Approve or decline loan within approved lending limits or refer to the next
higher approving position level with recommendations.
• Compile loan package and negotiates 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.
• Analyze current local market and potential trends to plan and develop relationship building
activities.
• Analyze potential opportunities involved in each situation to further assist the member.
Cross sells borrowers on the benefits of utilizing other credit union services.
• 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.
• Monitor account overdraft activity to ensure accounts operate within limits and qualify from a
risk standpoint. Ensure appropriate action is taken to minimize losses to the credit union.

• Initiate collection action; contact delinquent borrowers in person, by telephone, or by mail, to
encourage prompt repayment of delinquent accounts. Work with delinquent borrowers to
recover principle, interest, and security.
• Ensure adherence to Credit Union policies and procedures as well as legislative
requirements.
• Complete reports and other duties as assigned.

You have…
• A certificate or diploma in Business Administration plus have three to five years of
experience in credit and in a financial institution; or an equivalent combination of training
and experience in credit.
• Strong communication, lending and relationship building skills with the proven ability to
exercise sound judgment, and discretion.
• Experience working with various software and proven technical ability.
• Knowledge of financial products, services and regulatory requirements.

We offer…
• Outstanding culture and opportunity to join an engaged and community-focused team.
• Tuition reimbursement, training, and personal development.
• Competitive compensation with performance-based incentives.
• Generous benefit package including up to 9% contribution with employer match in the
Defined Contribution Pension Plan.
• Additional employee perks include but not limited to wellness credit; reduced rates on
employee loans/mortgages.

If this sounds like an opportunity for you, please email your resume and cover letter in Microsoft
Word or pdf format to careers@creditu.ca.

Applications will be accepted until Wednesday, August 31, 2022.

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.

We wish to thank applicants in advance; only candidates selected for an interview will be
contacted.