Grow your career with one of Manitoba's Top Employers since 2014. At Access Credit Union, we support a professional and innovative work environment with a corporate culture that uniquely embraces empowerment, accountability, and trust. We recognize and value each employee's contributions to our success, which is why we offer competitive compensation, 100% company paid health benefits, employer-matched pension plan, continuing education, and career advancement opportunities within our credit union. At Access Credit Union, our values are straightforward: Do good Be better Own it Move forward The Retail Lending Officer is a member-focused Brand Ambassador who is responsible for all personal credit granting functions, performing analysis to assess loan viability and risk, and make the appropriate recommendations.  Using advice -based sales, the Personal Account Manager takes ownership of all the member’s needs promoting the full range of credit union products and services, building member relationships that add value and contribute positively to the credit union’s profitability. Lending Identify member needs and sell a full range of credit union products and services, including loans and mortgages, lines of credit, credit cards, etc.  Complete credit applications thoroughly ensuring that all relevant information is included and analyzed in supporting recommendations within established limits and procedures.  Communicate to the member all terms and conditions of any credit, product being presented, ensuring that all products sold are consistent with the member’s needs and risk tolerance.  Ensure instructions outlining the conditions of lending products clearly laid out (loan type, interest rate, security, searches, liens, etc.).  Maintain thorough knowledge of and adhere to credit union policies and procedures on risk management, confidentiality, security and fraud prevention.  Work directly with the loans processing department to ensure timely and accurate administration of documentation.  Control loan delinquency through communication with the member prior and subsequent to the loan being granted. Maintain and document a systematic collection procedure for early identification and follow up of problem accounts.  Relationship Management Operates as the primary contact for assigned members, managing the relationships on behalf of the credit union to ensure the members’ needs are met and the relationship remains profitable. Pro-actively work to retain and expand existing member relationships, while pursuing new sources of business. Responsible for resolutions of member concerns and escalating when required to the appropriate person or department.  Refer qualified prospects to specialist within the credit union.  Team Work Provide input into the development of and support the achievement of branch sales goals.  Actively participate in regular staff meetings providing input when necessary.  Maintain open communication and cooperation with other staff to ensure a friendly and efficient work environment.  Work collaboratively with other team members to achieve organizational and department objectives.  Business Development & Community Relations   Participate in and contribute to an entrepreneurial environment to seek out new business and referral opportunities that support the branch and organization goals. Pro-actively work to retain and expand existing member relationships, while pursuing new sources of business. Differentiate between credit union and competitor products and services in terms of member needs.  Act as an ambassador for the credit union by being visible in the community through professional and personal involvement in various community groups and activities.   This list is not inclusive and other tasks and/or responsibilities may be assigned by your supervisor. Essential Qualifications Grade 12 diploma Diploma/Certificate from a recognized post-secondary institution with focus on business or finance or equivalent Understanding and adherence to relevant policies and procedures including but not limited to, the Privacy Act, Anti-Money Laundering, and Terrorist Financing Act, the Credit Union Act and Credit Union Loan Policies Previous customer service and/or sales experience   Demonstrated desire to serve others in a friendly and professional manner  Ability to identify and willingness to act upon sales and service opportunities  Strong interpersonal and communication skills, both verbal and written  Ability to work in fast-paced environment and perform well under pressure  Ability to prioritize using sound judgment to make timely and effective decisions  Attention to detail with high degree of accuracy  Knowledge of Access Credit Union’s products and services  Ability to follow standardized policies and procedures  Knowledge of risk management within the financial industry  Proficient computer skills  Employee Sub-Type Regular Starting Salary $51,139.00 If you are interested in this position, apply today! At Access Credit Union, we support a professional and innovative work environment with a corporate culture that uniquely embraces empowerment, accountability, and trust. We recognize and value each employee's contributions to our success, which is why we offer competitive compensation, continuing education, and career advancement opportunities within our credit union. Grow your career with one of Manitoba's Top Employers since 2014! Access Credit Union Privacy Code: https://www.accesscu.ca/en/privacy