Financial Services Officer (Permanent Full-time) 515 St. Anne's

at  Access Credit Union

WHAT WILL YOU BE DOING?

The Financial Service Officer FSO) is a member-focused Brand Ambassador who is responsible for personal credit granting functions, performing analysis to assess loan viability and risk, and make the appropriate recommendations.
Using advice -based sales, the FSO is also responsible to promote and cross-sell a full range of investment products including all registered and non-registered options. They recognize member needs and promote and cross-sell credit union lending and deposit services to members.

KEY RESPONSIBILITIES:

• Identify member needs and provide a full range of credit union products and services, including loans and mortgages, deposit and investment products, accounts, lines of credit, credit cards, etc.
• Recognize and/or respond to members’ needs on deposit and lending services by providing information on the features, benefits and how they align with the member’s needs, referring more complex problems to the appropriate person or department.
• Complete credit applications thoroughly ensuring that all relevant information is included and analyzed in supporting recommendations within established limits and procedures.
• Work directly with the loans processing department and deposit centre to ensure timely and accurate administration of documentation.
• Control loan delinquency through communication with the member prior and subsequent to the loan being granted. Maintain and document a systematic collection procedure for early identification and follow up of problem accounts.
• Recognize and/or respond to member needs for opening, updates and closing of: Member Accounts, Term Deposits (GIC), Registered Retirement Savings Plans (RRSP), Registered Retirement Income Funds (RRIF), Tax Free Savings Accounts (TFSA), Registered Education Savings Plans (RESP) & Estates.
• Operates as the primary contact for assigned members, managing the relationships on behalf of the credit union to ensure the members’ needs are met and the relationship remains profitable.
• Pro-actively work to retain and expand existing member relationships, while pursuing new sources of business.
• Participate in and contribute to an entrepreneurial environment to seek out new business and referral opportunities that support the branch and organization goals.
• Pro-actively work to retain and expand existing member relationships, while pursuing new sources of business.