Personal Financial Officer - Licensed

Posting #: 26-19
Location: Amherstview
Union: UNIFOR
Job Type: Permanent, Full-Time
Rate of Pay: $36.83

Are you a community-minded person that’s passionate about investing locally and giving back to your community? Do you like working with other awesome and like-minded people toward a common goal?
Here at Your Neighbourhood Credit Union (YNCU), we are all about putting our money where our mouth is and keeping our dollars local and investing back into our members, staff, and community; and we are looking for people like you to join our team.
Take a look at this job posting, and if it’s a good fit, we encourage you to apply. If it’s not for you but you know someone that may be better suited for it, we welcome you to share it with them! Thanks for checking us out!

The Role
As a trusted financial advisor, you will help members with their everyday banking, credit, and investment needs, including mutual funds.

Accountable for building long-term profitable relationships within a set portfolio of members by providing value-added advice and exceptional service.  Under general supervision provides advocacy to members related to a full range of lending and investment vehicles with emphasis on consumer loans, mortgages, credit card products, lines of credit, deposit and investment vehicles within clearly defined policies and procedures.  Be the primary resource for opening new member accounts and for actively soliciting membership growth opportunities by following up on incoming credit checks, staff referrals, sales initiatives and member inquiries.  Actively participate in all branch campaigns and promotions and champions the organization’s member advocacy culture.

This position is for an existing vacancy within our team.

Major Duties and Responsibilities:

• Act as the primary resource for opening new accounts.  By asking open ended questions establishing the member’s short- and long-term financial goals and providing education and advice to ensure the member is making informed decisions in order to achieve their goals.
• Provide accurate and detailed instructions to the Loan and Investment Administrative staff in order to ensure all administration for processing of all new, and renewing loans, mortgages, and investments is completed accurately and on time in order to meet the member’s identified needs.  Once work is complete, spot check for accuracy and answer the questions where required.
• When meeting with members, ask open-ended questions in order to understand the members’ full financial needs.
• When making credit decisions, complete a thorough investigation of the facts, and make sound lending decisions that balance the member’s needs with the credit union’s risk.  Follow discretionary lending limits and lending policies.  Make recommendations for loans outside limits and review all declines with Branch Manager.
• Provide individual financial counselling (debt consolidation) and information to members on lending services and deposit products offered through the credit union.
• Ensure profitability by using sound judgement and policy when setting interest rates.
• Support all marketing campaigns.
• Make referrals to Investment Advisor for mutual funds and other investment vehicles.
• Actively participate in departmental/ work unit and credit union meetings.
• Identifies the need for new and revised policies and procedures in both the Loans and Investment areas of the credit union.
• Market all credit union products and services, including mutual funds, within clearly defined policies and procedures
• Manage a portfolio of members with mutual funds accounts, providing investment advice to help them achieve their short, medium, and long-term goals
• Based on effective listening and sound financial literacy, promote and advise on the full range of lending and investment vehicles with emphasis on consumer loans, mortgages, lines of credit, mutual funds, deposit and investment vehicles, and sundry services.  This will be achieved by actively pursuing membership growth opportunities and following up on staff referrals, business generating initiatives, and member inquiries

Qualifications:

• Should possess a University or College degree or diploma, preferably in Business or equivalent work experience along with a minimum of three years of related experience in a financial institution
• Investment Funds in Canada (IFC) designation through the Canadian Securities Institute (CSI). 
• Certified Financial Planner (CFP)/Personal Financial Planner (PFP) designation considered an asset
• Understanding of compliance requirements
• Proficient in Microsoft Office Suite, credit union systems and job-related software
• Knowledge of all credit union products, services and banking system
  Proven communication, interpersonal, time management and superior customer service skills are required
• Willingness to work in a learning environment and ability to upgrade their education and skills in order to keep pace with changes in this job function
• Must be bondable

Competencies/Skills:

• Able to meet continuing education (CE) requirements to maintain your Mutual Funds license after it's granted.
• Demonstrated ability to effectively problem solve and make decisions as well as manage conflicting priorities
• Proficient in Microsoft Office Suite, including Excel and Outlook as well as job related software
• Strong planning, organizational and time management skills
  Excellent interpersonal, verbal, written and listening communication skills
• Communicate in a manner that is professional, respectful, effective, and timely
• Ability to work well independently and collaboratively as a team member and actively contribute to team successes across the credit union
• Ability to demonstrate integrity and build trust with others and remain open to ideas
• Ability to embrace and manage change
• Provide exceptional member and internal client service in every interaction and at every touchpoint
• Be self-motivated, resourceful and flexible
• Ability to maintain confidentiality of sensitive and proprietary information

Why work at YNCU?

YNCU employees get to be a part of the growing credit union movement and help us get the word out on why banking locally is so important. We’re your friendly, helpful, and financially savvy neighbour who provides tailored financial services to our members, supports small businesses, creates local jobs, and gives back to causes that matter. Through our Good Neighbours Employee Volunteer Program and Monthly Staff Donation Draws, we even let you choose the causes we donate to and support. YNCU is recognized for the following:

• B Corp Certified
• Competitive Compensation, Incentive Programs and Benefits
  Wellness Initiatives including our Employee and Family Assistance Program, premium membership for Calm, and LIFT Virtual Fitness
  Training and Development Opportunities
• Community Sponsored Events Employee and paid Volunteer opportunities
• Opportunities to get involved with fun and meaningful committees
• Free banking accountDiscounted Employee Rates
  YNCU strives to be a diverse workplace reflective of the communities that we live in. We are committed to a diverse workforce and invite everyone to apply. YNCU makes hiring decisions solely on qualifications, merit, and business needs at the time.
  
  YNCU is an equal opportunity employer that is committed to diversity and inclusion in the workplace. We prohibit discrimination and harassment of any kind based on race, colour, sex, gender, religion, sexual orientation, national origin, disability, pregnancy, or any other protected characteristic as outlined by national, provincial, or municipal laws. This applies to all employment practices within our organization, including hiring, recruiting, promotion, termination, layoff, recall, leave of absence, compensation, benefits, and training.
  
  Your Neighbourhood Credit Union will provide accommodations for persons with disabilities, where needed, to support their participation in our recruitment process. Please contact Human Resources at careers@yncu.com