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News & AnnouncementsUnder general supervision, provide dealer lending services to current members and potential members. Recognize member needs and promote and cross-sell credit union lending and deposit services to members. Ensure all assigned lending activities are in compliance with relevant legislation, regulations, policies and procedures.
Lending Services to Dealer
- Conduct interview with dealer members to identify lending needs; collect and compile information relating to member loan applications;
- including personal financial statements
- conduct telephone and other credit checks
- Complete loan documentation for new loans, renewals, loan payment suspensions, alterations and substitutions of security as prescribed by established policies and procedures.
- Ensure application of appropriate loan rates, service charges and overdue interest; make recommendations concerning loan applications based on established lending principles.
- Respond to members’ inquiries on lending services offered by providing information on the features of each product and service; resolve routine member problems and concerns with lending services.
- Provide credit information to other financial institutions; act as joint custodian of loan securities as required.
- Adhere to legislation and security procedures as they pertain to the position.
- Grant dealer loan applications within approved lending limits.
Administration and Control
- Follow up on delinquent accounts as directed by senior lending staff using established collections policies, documents contacts and outcomes; refer unresolved situations to senior staff for further action.
- Perform routine loan audits as directed; review system-generated loan reports, identify further action required to problem area; initiate action in accordance with established procedures.
Sales, Marketing and Promotion
- Understand and use knowledge of member’s financial condition to effectively position the value of products and services.
- Build and maintain positive working relationships with current and potential dealers to strengthen the credit unions’ position in the local economy.
- Differentiate between credit union and competitor products and services in terms of member needs.
- Communicate product and service information to secure sale; utilize fact finding questions and technique to offset business objections; ask for sale.
- Participate in the development and support achievement of sales targets and marketing plans.
- Cross-sell all credit union products (including insurance services); solicit new members; foster business development through service excellence and product knowledge.
- Maintain up-to-date knowledge of credit union lending and deposit products and services
Experience:
- 1–2 years as an MSR or equivalent experience.
- 2 years credit experience (preferably in dealer financing)
Education and Training:
- Grade 12
Why Servus Credit Union? We live our values in how we do business and how we treat our employees. Servus Credit Union is one of Canada’s 50 Best Managed Companies. Servus is committed to being socially responsible and living the co-operative values. Through our operations, we strive to make a positive impact on our economy, the environment and society. We know that our employees are our most valuable assets so we offer ongoing growth and career advancement and we reward employees for their hard work and achievements.