Commercial Lender Job in Fort Mcmurray, Alberta Canada
Position: Commercial Relationship Officer, Manager or Senior Relation Manager
Location: Fort McMurray, AB
Salary: $62,912 ~ $76,722 / $70, 632 ~ $86, 137 / $79,461 ~ $96,904 annually. Salary commensurate with experience
Closes: March 30, 2012
Servus Credit Union is one of Canada’s 50 Best Managed Companies and recognizes that our most valuable assets are our employees. We offer continued growth and career advancement and reward employees for their efforts and achievements. Servus Credit Union has also been recently recognized by Alberta Venture as one of the top 3 employers in Alberta for Human Resources Practices and Policies.
Our Business Banking Centre in Fort McMurray, AB is looking for a full-time Commercial Relationship Officer, Manager OR Senior Relationship Manager, based on experience.
POSITION SUMMARY
This position is primarily responsible for the development/administration of a small commercial/AG loan and deposit portfolio including responsibility for the competent management of that portfolio. Emphasis will be placed on loan administration, sales, service, member advice and growth.
Working closely with the Regional Manager, Business Banking and/or the Senior Relationship Manager – Team Lead, the individual will implement a proactive approach to sales and business development by cultivating a strong working relationship with existing and potential members, the retail branch network, local business owners, and members of the professional community.
KEY RESPONSIBILITY AREAS
Business Banking Development
This role is developmental in nature and as such the expectation is to continue to gain knowledge through training and coaching to increase the following skills:
- Develop and maintain effective sales and marketing efforts on an existing portfolio to maximize Small Business and Commercial/AG Loan growth, Deposit growth and sales of peripheral products to help our members succeed in business.
- Provide proactive advice to our Business Members that offers tailored solutions to meet their financial needs.
· Differentiate between credit union and competitor products and services in terms of member needs.
· Personally maintain a high profile and professional image in the business and social communities.
- The development and submission of renewal applications, the preparation of consolidated information for reporting purposes to the Regional Manager, Business Banking and/or Team Lead as required. Ensure negotiable and non-negotiable collateral security is obtained and maintained in accordance with the terms of authorized credits.
· Foster a positive/supportive Team relationship with Retail Branches in the region.
· Gain up-to-date knowledge of credit union lending and deposit services and products and relevant policies and legislation by personal development, reviewing literature, working with an active coach/mentor and attending update meetings.
· Actively participate in Business Banking Centre or Regional meetings.
- Other duties as assigned.
Centralized Credit Service
· Assist in managing the region’s lending and deposit activities through Team Leads including recommending rates within discretionary limits, approving loans within prescribed lending authorities and recommending to credit committee loan requests above those limits.
· Evaluate requests on the basis of policy, risk and profitability, ensuring reviews on commercial and agricultural credits are performed as required by established lending guidelines. Ensure vigorous pursuit to collect problem commercial and agricultural loans.
· Ensure security procedures are maintained.
Spend time learning the process and detail of credit applications while helping to administer basic lending practices.
QUALIFICATIONS:
- Demonstrates basic ability in most facets of credit granting and sales of Business Banking products over a two to five year period.
- Essential knowledge and skills include basic business development skills, analytical abilities and a basic knowledge of portfolio management.
- Experience working and developing relationships with members, potential members, influential community people and staff is preferred.
- University degree in a business discipline or sufficient experience in lieu of education.
We thank all applicants for their interest in Servus Credit Union.