Retail Advice Specialist (Full-time; Brigden)

at  Mainstreet Credit Union Limited

Are you a financial professional who believes that the banking experience and solutions should be tailored to your clients? Do you thrive on building relationships, not transactions?
At Mainstreet Credit Union, our cooperative exists solely for our clients (members). Without commissions, or the need to make shareholders rich, our financial specialists can focus solely on the products and services that are best for their members – and nothing else.
We believe we have the best team in the business due to our leadership philosophy of excellence, and team development. With our full spectrum of investment, credit, and general banking instruments, our team can build the solution that is best for our customers; and since our customers are also our shareholders, this will always be our business objective!
Mainstreet Credit Union is actively seeking a Retail Advice Specialist to join our team!

JOB FUNCTION:

Using the Advice Based model approach, proactively market the organization’s products and services by promoting, upselling and cross selling the full range of lending and investment vehicles with emphasis on retail loans, mortgages, credit card products, lines of credit, registered and non-registered deposit vehicles and sundry services.
Increase wallet share by looking for growth opportunities within assigned membership base. Actively participate in all branch sales campaigns and promotions and play a key role in the organization’s sales-oriented culture by performing all aspects of the mandate.
Maintain a high profile and image as the financial institution of choice in the community by establishing member and non-member client relationships and business contacts.

Duties and Responsibilities:

• Advise current members and potential new members on Credit Union Products and Services (including personal and business accounts, overdraft applications, MasterCard applications, registered and non-registered savings and term deposits) using the Advice Based model approach
• Identify opportunities to promote, upsell and cross sell the Credit Union lending products including loans, mortgages, lines of credit and credit cards
• In concert with the Branch Manager/Assistant Branch Manager, assist with the execution of the branch marketing program to attain loan, deposit, sundry products and member growth within set objectives
• Represent the Credit Union in the community by participating in local business activities and community functions
• Assist with a variety of branch related duties and activities as instructed by the Branch Manager/Assistant Branch Manager
• Enter all information into CRM (sales, referrals, member interactions, information) that provides information to enhance the Credit Union’s opportunity to better serve the membership
• Refer members to Commercial & Agricultural Account Manager and Wealth Management Advisor as opportunities are presented
• Meet set sales objectives for investment and loan growth targets
• Approve and/or decline loans, mortgages and other lending products within the limits of authority as defined by the Credit Union Act, the By-laws and Credit Union Policy
• Interpret the branch operating procedures, lending policies and security requirements and ensure that guidelines are adhered to
• Ensure daily monitoring of the Delinquency Report. Follow up on delinquent accounts up to 30 days, contact members as required and maintain records of action taken in CRM
• Assist with Line of Credit Reviews and processing of required reports
• Negotiate mortgage renewals as required
• Handle member complaints in a courteous, professional manner
• May assist with training and mentoring of other Member Advice Specialists
• May assist the Branch Manager/Assistant Branch Manager with duties such as preparation of the month-end branch reports, assisting with branch operations and supervision of the branch during the Branch Manager/Assistant Branch Manager’s absence
• May be Mutual Fund licensed
• Perform other duties as assigned

QUALIFICATIONS:

• Excellent communication and interpersonal skills
• Demonstrated attention to detail, thoroughness, and accuracy for auditing, checking and verifying work
• Ability to effectively identify member needs and match appropriate solutions
• Solid understanding of markets and trends in the industry
• Demonstrated relationship management and sales effectiveness skills
• Solid understanding of all retail products (investments, lending, deposit accounts, other)
• Solid knowledge of credit policies and procedures and the credit underwriting process an asset

• Post-secondary education in a related business field an asset

  Salary commensurate upon:

• Related experience

• Education level (including designations achieved)
• Proven lending skills and audit results
• Proven sales & service results

Join Mainstreet Credit Union and be part of a workplace that values diversity, promotes equity, and fosters inclusion. We actively seek diverse perspectives, ensure equal opportunities for all, and cultivate a culture where every individual feels valued. Our commitment to continuous learning ensures an environment where everyone can thrive.
Mainstreet Credit Union is an equal opportunity employer. We welcome applications from candidates of all backgrounds and experiences.

• Advise current members and potential new members on Credit Union Products and Services (including personal and business accounts, overdraft applications, MasterCard applications, registered and non-registered savings and term deposits) using the Advice Based model approach
• Identify opportunities to promote, upsell and cross sell the Credit Union lending products including loans, mortgages, lines of credit and credit cards
• In concert with the Branch Manager/Assistant Branch Manager, assist with the execution of the branch marketing program to attain loan, deposit, sundry products and member growth within set objectives
• Represent the Credit Union in the community by participating in local business activities and community functions
• Assist with a variety of branch related duties and activities as instructed by the Branch Manager/Assistant Branch Manager
• Enter all information into CRM (sales, referrals, member interactions, information) that provides information to enhance the Credit Union’s opportunity to better serve the membership
• Refer members to Commercial & Agricultural Account Manager and Wealth Management Advisor as opportunities are presented
• Meet set sales objectives for investment and loan growth targets
• Approve and/or decline loans, mortgages and other lending products within the limits of authority as defined by the Credit Union Act, the By-laws and Credit Union Policy
• Interpret the branch operating procedures, lending policies and security requirements and ensure that guidelines are adhered to
• Ensure daily monitoring of the Delinquency Report. Follow up on delinquent accounts up to 30 days, contact members as required and maintain records of action taken in CRM
• Assist with Line of Credit Reviews and processing of required reports
• Negotiate mortgage renewals as required
• Handle member complaints in a courteous, professional manner
• May assist with training and mentoring of other Member Advice Specialists
• May assist the Branch Manager/Assistant Branch Manager with duties such as preparation of the month-end branch reports, assisting with branch operations and supervision of the branch during the Branch Manager/Assistant Branch Manager’s absence
• May be Mutual Fund licensed
• Perform other duties as assigne