Financial Services Representative

Job Overview

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 at our Halton Branch, Monday through Friday, 9am - 5pm (in Burlington, ON).

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.

As part of a close-bonded credit union and working from our Branch, Monday through Friday, this position is responsible for increasing business volumes to meet assigned goals, by developing and fostering relationships with TPCU members. 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 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.

Key Responsibilities

• 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.
• Responsible for being a contributing member of various committees as needed, serving on the Social Committee, the JH&S Committee, becoming a Fire Warden, etc.
• Other tasks as assigned.

Qualifications

• Minimum 3 years of recent consumer and/or mortgage lending experience within a financial institution (credit union is preferred).
• Minimum 2 years of recent experience with and understanding of 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.