Loans Officer job in Canada at Community Credit Union of Cumberland Colchester Ltd.

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Employer - Community Credit Union of Cumberland Colchester Ltd.
Job title - Loans Officer
Job Description

Community Credit Union of Cumberland Colchester Ltd. is seeking a Loans Officer to join our team! This permanent position will be located in our Truro Branch and is well suited for an individual with exceptional customer service and proven relationship building experience seeking an opportunity in a progressive and innovative organization.
Community Credit Union is a full-service financial cooperative organization that is deeply committed to the communities in which we live and work. With two locations in Cumberland and Colchester Region and a virtual presence, we offer refreshingly honest banking and take pride in providing an exceptional member experience.
Reporting to the Director, Member Services, you will be responsible for providing superior member service to current and prospective members; addressing the entire financial relationship at each member interaction to identify current and future lending solutions, retirement planning solutions, investment planning solutions, and convenience banking solutions for completion or referral; evaluating, authorizing and recommending approval of members’ applications for all consumer credit products that meet members’ needs in promoting Credit Union products and services.
You would…
Interview loans applicants; verify credit history and accuracy of information through financial statements, appraisals, lien searches, reference checks, employment confirmation and credit checks.
Analyze loan applications. Approve loans within approved limits and policies. Recommend approval or rejection of loans outside limits.
Process and verify MasterCard applications.
Explain and sell mortgage and personal loan insurances and process claims.
Enter necessary information from loan application into computer system to create new loan accounts and automatic deductions, as required.
Complete loan packages and negotiates loan structure with applicant, including rates, terms repayment options, and other credit terms.
Ensures loan agreements are complete and accurate according to policy and regulatory requirements and security is in place prior to the disbursement of the funds.
Provide security instructions to solicitors, as required.
Adheres to the Credit Union’s delinquency management procedures, allowance and write-off protocol; initiates collection action; contacts delinquent borrowers in person, by telephone, or by mail, to encourage prompt repayment of delinquent accounts.
Cross-sell Credit Union services.
Provide financial counselling to members.
Process annual reviews and renewals of personal loans and lines of credit.
Follow all security procedures as set out by the Credit Union. Annual reviews and renewals of revolving credits, title loans, chattel mortgages, and other renewed personal loans. Ensure securities are in place, registered, searched, and updated on system.
Complete other duties as assigned.
You have…
Completed a certificate or diploma in Business plus have a minimum of three to five years’ experience in credit and collections in a financial institution; or equivalent combination of training and experience in credit.
Superior customer service and business development skills.
Proven ability to achieve and exceed business / sales objectives.
An outgoing and self-motivated nature with strong work ethics.
Demonstrated critical thinking and problem-solving skills.
Strong analytical and decision-making skills.
Proven organizational, planning and multi-tasking skills.
loans-officer, loans-officer-jobs-in-canada
Job Location Canada
Date Posted 19 Dec 2019
Employer Email --No Email
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