Agricultural/Commercial Specialist - Northern Alberta

Position Title: Agricultural/Commercial Specialist

Reports To: Vice President of Commercial & Agricultural Services

Summary

The Agricultural/Commercial Specialist will be responsible for maintaining the commercial financial portfolios of Vision Credit Union Ltd. The Agricultural/Commercial Specialist will be required to expand business portfolios by acquiring new agricultural and commercial members. While providing exceptional customer service, the incumbent must analyze members’ financial data and recommend products and services which suit members’ needs. Travel may be required as needed in this position.

Job Duties/Responsibilities

• Maintain a portfolio of business loans or deposits.
• Conduct work in accordance with the practices, policies, procedures and objectives of Vision Credit Union Ltd.
• Responsible for business development with existing and prospective members with respect to their financial requirements.
• Interpret members’ financial needs by analyzing member information using financial knowledge.
• Provide exceptional customer service by offering personalized financial services and advise members of available financial services to suit specific needs.
• Promote and sell products and services to target members in order to meet financial goals.
• Process member loan applications: collect member information and enter it into applicable applications, pull credit reports, verify relevant information, analyze current financial situation, etc.
• Identify irregular accounts within portfolio; investigate these accounts by communicating with members to discuss current financial situations and determine measures that need to be taken to remedy these accounts.
• Determine business objectives and goals with managers and their lending staff.
• Meet with prospective members including onsite visits to discuss their banking needs and recommend types of account products and services that would be appropriate, including cold calling for prospects.
• Identify and develop a profitable loan and deposit portfolio through new business.
• Promote and maintain the organization’s brand image and identity within the marketplace.
• Conduct and develop annual account reviews in order to effectively manage account lifecycles.
• Assists team members towards establishing the required knowledge base and skills to reach specific targets.
• Special projects as required.
• Evaluate and review loan and credit applications and collateral and make recommendations.
• Approve or reject credit applications, establish credit limits and determine repayment plans or schedules in accordance with authorized limits.
• Ensure collection of overdue or delinquent accounts.
• Prepare credit and loan reports.
• Develop a sales culture to enhance Vision Credit Union Ltd. portfolio.
• Plans, organizes and manages credit adjudication and collection processes towards achieving “best practices” and performance objectives (both qualitative and quantitative service level goals).
• Interacts and assist with different internal (sales force) and external (collection agencies or outsourcing) agents for escalations and more complex or difficult accounts whether on the credit or collections side.
• Follow up on dispute resolution process with members, credit, sales, and operations, involving management.
• Investigating and documenting credit limit increases, annual reviews and new applications.

• Preparing files for approval by the Branch Manager, Senior Vice President, credit committee or CUDGE.
• Maintain strong working knowledge of applicable regulations, legislations and compliance issues, and changes made.
• Accurately scan loan documentation on a daily basis or as required.
• Adhere to all Vision Credit Union Ltd. policies and procedures.
• Follow all compliance policies and procedures in relation to Anti-Money Laundering and Anti-Terrorist Financing Guidelines.
• Assist the Branch Manager/Assistant Branch Manager with other duties as assigned.
Requirements
• High school diploma
• Minimum of 5 years’ credit granting and knowledge of agricultural and commercial lending.
• Ability to analyze and interpret the needs of clients and offer the appropriate options, solutions, and resolutions required.
• Ability to deal with people sensitively, tactfully, diplomatically, and professionally at all times.
• Exceptional conflict resolution, negotiation, and objection handling skills.
• Superior time management skills, multitasking skills, and the ability to prioritize tasks with minimal supervision.
• Well-developed mathematical and logical reasoning skills.
• Professional appearance and manners.
• High level of sound and independent judgement, reasoning, and discretion
• Ability to work well under pressure and meet set deadlines.
• Strong work ethic and positive team attitude.
• Effective communication skills with individuals at all levels of the organization.
• High level of critical and logical thinking, analysis, and/or reasoning to identify underlying principles, reasons, or facts.
• Proven ability to drive business development.
• Good training, coaching, and mentoring skills are essential.

Vision Credit Union Ltd. – we “see” banking differently.

We may very well be the right fit for you….and you for us.

We’re Vision Credit Union. Although we offer loans, deposits, financial planning service,
RRSP’s, mutual funds, insurance products and other product that most F.I.’s are able to offer,
we do things a little (some would say a lot) different at our “shop”.

Our focus is our 37,000 member-owners. We’re an organization based on principles over profit.
If you are eager to launch a rewarding career with our organization, you will need to be able to
naturally and consistently provide “well above the norm” member service. After all, the Credit
Union system has been chosen tops in Canada for twelve years straight in the area of customer
service. That’s a reputation we pledge to continue.

We believe that charging excessive fees or providing products and services that benefit our
Credit Union more than our valued members is wrong. We also believe that the bulk of our
profits must be shared by our members and that some of our profits need to be channeled back
to community initiatives in the small rural communities where we live and work.

At Vision Credit Union, an equal opportunity employer, we treat members special. Our goal is to
ensure that every one of our members feels like an extension of our “family”. The team, of
which you would be a part, is small in numbers but capable of “moving mountains”. We believe
in common purpose (life-long member-owners). We strive for error-free work and accountability.
We’re collectively recognized for our great work: in both 2016 and 2017 Vision C.U. was named
one of Alberta’s Top 70 Employers. In 2016 and 2018, Vision earned the title: Alberta’s Credit Union
of the Year.

We are always “on the hunt” for enthusiastic, astute and motivated team members. Joining us
represents an opportunity to go home from work feeling fulfilled. At Vision, you will enjoy a
salary that is at or above industry standards and there are exceptional advancement
opportunities for the right individual. If you feel you can offer skill and passion to help our
organization continue being the financial service provider of choice in rural and entrepreneurial
Alberta, we invite your resume.