Are you a banking professional looking for a great work-life balance? We've got just the place for our next advisor specializing in personal mortgages and loans to fill an 18-month contract at our Halton Branch, Monday through Friday, 9am - 5pm.
The Police Credit Union is an exclusive financial institution for police personnel, their families and associated police groups within the Province of Ontario. We take into consideration the uniqueness of the policing profession and provide customized financial solutions and specialized programs to meet our members' needs.
Job Overview
As part of a close-bonded credit union and working from our Halton Branch, Monday through Friday, this position is responsible for increasing business volumes to meet assigned goals, by developing and fostering relationships with TPCU members over the course of the 18-month contract. This is a great opportunity for someone who prefers a hands-on approach to analyzing key variables as they support members in gaining financial literacy. Our Halton Branch is a dynamic power team and we welcome those looking to contribute to a community focused team where you can make a real impact through building strong relationships. Some training for this position will take place at our Peel Branch.
Key Responsibilities
Upon completing training at our Peel branch, our next mortgage and loans specialist will be domiciled at the Halton branch where they will be responsible for the below:
· Ability to have robust conversations with members to understand their financial needs and recommend suitable products and services (lending, insurance, master cards, deposits, etc.)
· Gather and review financial statements, credit reports, and supporting documentation to ensure complete and accurate loan packages.
· Evaluate creditworthiness based on debt-to-income (DTI) ratios, credit scores, collateral, and capacity to pay, adhering to Credit Union policies.
· Proactively cross-sell other Credit Union products and services (savings accounts, insurance, etc.) that benefit the member’s overall financial health.
· Ensure all loan applications comply with provincial regulations, including FINTRAC and FSRA requirements.
· Present sound recommendations to the Lending department with all applications, including situations that could warrant an exception to policy.
· Effectively works towards building relationships and ensuring that members’ requests and questions are promptly resolved, including complaints, and advises Branch Manager of any significant issues.
· Focuses on enhancing member loyalty through personalized financial solutions and proactive retention strategies.
· Delivers an excellent branch experience and consistently exceeds member expectations while working collaboratively with all colleagues.
· Has the ability and willingness to adapt to and work effectively within a variety of situations and with various individuals or groups.
· Demonstrates thorough knowledge of all Credit Union’s financial products and services.
· Develops strategies with the Branch Manager to meet assigned goals and increase wallet share of members.
· Aligns work and practices with the objectives of the branch and the organization.
· Helps, trains, and assists the team in a collective effort to benefit Credit Union members.
· Always promotes the Credit Union in a positive professional manner.
· Responsible for executing all administrative tasks efficiently following all policies procedures
· Responsible for staying up to date on all Credit Union policies, procedures, and training, to ensure compliance.
· Other tasks as assigned.
Qualifications
· Minimum 3 years of recent mortgage lending experience within a financial institution (credit union is preferred).
· Minimum 2 years of recent experience with and understanding of personal loans, lines of credit, investments, including processing and recommending GICs, RRSPs, RESPs, RIFs, FHSAs, & TFSAs.
· Excellent communication and public relations skills, with a genuine desire to help members improve their financial literacy.
· Strong analytical skills with the ability to spot discrepancies in financial data.
· Knowledge of credit bureau reporting regulations and operations within a financial institution.
· Strong understanding of lending and investment products.
· Strong computer literacy (Microsoft Word, Excel, Teams)
· Education: High School Diploma required; Associate’s or Bachelor’s degree in Finance or Business preferred.
At The Police Credit Union, we recognize, appreciate, and value the diversity of our community. We strive for inclusion and equity in our employment practices and service delivery. We are committed to fostering an inclusive and equitable workplace that represents and values the diverse cultures within our community.
We welcome and encourage applications from individuals of all backgrounds. We recognize that diverse perspectives drive innovation and excellence. Our hiring process is designed to be inclusive, accessible, and free from bias. We are committed to meeting the accessibility needs of persons with disabilities in a timely manner, consistent with the principles of dignity, independence, equal opportunity and integration. If you require accommodations at any stage of the recruitment process, please let know, by contacting Human Resources.
Job Types: Full-time, Fixed term contract
Pay: From $62,000.00 per year
Application question(s):
- Having read the job description carefully, what are your salary expectations for this position?
Experience:
- recent mortgage and personal lending: 3 years (required)
Location:
- Burlington, ON (required)
Work Location: In person
