Loans Interviewer / Member Service Representative

Community Savings Credit Union; Victoria; On-site; CAD 57,000 - 74,000; Full time

Job summary

Join Community Savings Credit Union as a Loans Interviewer / Member Service Representative in Victoria, where you will advocate for social purpose while providing vital lending services. This role combines member engagement with expert financial counselling to support community well-being. Enjoy a competitive salary and generous perks including a robust health benefits package, RRSP contributions, and paid vacation.

Benefits

35-hour work week

13% monthly salary into RRSP

Up to 12 paid health days

Up to 6 weeks paid vacation

Tuition reimbursement policy

Unlimited RMT massages

$500 Annual Health Care Spending Allowance

100% Basic and 75% Major Dental Coverage

Qualifications

• Grade 12 and some post secondary education in related fields.
• Experience in retail lending and member service roles.
• Knowledge of community businesses and cross-selling strategies.

Responsibilities

• Provide comprehensive lending services for mortgages and personal loans.
• Process financial transactions and conduct cash audits.
• Engage with members for financial advice and promote credit union services.

Skills

Lending policies knowledge

Credit Union operations

Regulatory knowledge

Customer service

Communication

Financial counselling

Judgment in credit recommendations

Money laundering policies

Education

Grade 12 plus post secondary education in business administration

6-12 months experience as a Loans Clerk

2-4 years experience as a retail lender

12-15 months experience as a member service representative

Job description

LOANS INTERVIEWER / MEMBER SERVICE REPRESENTTIVE

"We exist to unite working people to build a just world"

Community Savings Credit Union’s team is passionate about transforming our Social Purpose into action. We are the fastest growing and the largest fully unionized Credit Union in BC. For over 80 years now, we have been making an incredible impact in the communities we live in and work in by supporting working families through our financial products, services, daily interactions, advocacy work, and most importantly our commitment to our team members’ well-being.

This is your opportunity to join a team to become a Social Purpose Advocate and play a crucial part in building a “just world”.

THIS IS HOW WE DO IT:

Member Engagement
Providing products and services that genuinely enhance lives. Whether it’s financial advice, support, or tailored solutions, we take pride in the relationships we build.
Championing Working People’s Rights
By taking a bold stance against the injustices faced by working people, we make the headlines. We perpetually advocate for the rights of working people, ensuring their voices are heard and the change they need gets made.
Setting the Example as an Employer

As an organization who pride themselves on advocating for the rights of working people, it goes without saying that we prioritize the well-being of our team. Our Employee Survey results attest to this and our compensation & perks list; speaks for itself.

THE ROLE:

Under managerial direction, provides comprehensive branch lending services to members for personal loans, mortgages, lines of credit, construction mortgages, certificate of title, small business loans and specialized loans such as mobile homes; provides financial counselling to members in servicing debt; pursues deposits and loan growth; promotes the sale of credit union products and services; promotes Mutual Funds; reviews an unfunded loan commitment report; processes mortgage renewals, modifications, alterations, substitutions of security and payment suspensions; follows up with members requesting mortgage transfers; reviews delinquency reports and initiates collection activity; conducts annual line of credit reviews; conducts monthly cash and treasury audits and semi-annual security audit; reviews overdraft report daily; reviews and authorizes irregular cheques.

Processes financial and non-financial transactions using Banking System and teller cash recycler, and provides a variety of services to members; performs a variety of duties relating to the servicing of the ATM and the balancing and reconciliation of ATM transactions; conducts end of day balancing procedures and reconciles outages; reviews incoming and outgoing collections; reports large deposits and withdrawals; on a rotating and or relief basis, provides a central cash service to MSRs; balances utilities and remits to CUCBC; opens and verifies night deposits; processes post-dated diary file transactions; retrieves cards, stamps, cashables and safeguards cash, keys, cards and stamps; advises members of outstanding chargeback items; reviews a variety of daily, weekly and monthly computer generated reports; holds combinations; acts as a buddy for new MSRs; conducts regular weekly outgoing telephone calls; follows money laundering policy and procedures; maintains member confidentiality, receives and records temporary cheque orders; participates in branch campaigns; conducts cash counts in joint custody; replenishes supplies at member counters; maintains up to date knowledge of robbery and emergency procedures. may perform a variety of duties relating to the administration of estate accounts, open merchant Visacard accounts, reviews monthly report of written off service charges, receives member reports of lost or stolen Visacards and POS cards; calculate Law Foundation interest payments and perform a variety of clerical functions related to the maintenance of member accounts; review a variety of reports and initiate adjusting entries.

REQUIRED SKILLS & ABILITIES:

• Knowledge of lending policies, procedures, techniques and documentation requirements, including those of a more complex nature
  
• Knowledge of Credit Union operations, including administrative and other operational procedures, practices and requirements
  
• Knowledge of statutory guidelines and regulations governing lending
  
• Knowledge of all credit union lending and deposit products and services
  
• Knowledge of collection processes
  
• Knowledge of the offerings and rates of other financial institutions
  
• Knowledge of community businesses and contacts
  
• Knowledge of cross selling, upselling and marketing techniques
  
• Knowledge of banking procedures, and the features and use of the Relationship Banking System
  
• Knowledge of money laundering policies and procedures
  
• Ability to deal with members, the public and co-workers in a courteous, friendly, professional and efficient manner
  
• Ability to exercise judgment in taking a risk, and to make sound credit recommendations
  
• Ability to communicate effectively, both orally and in writing
  
• Ability to plan, schedule, organize and prioritize work assignments
  
• Ability to counsel members using diplomacy, objectivity and empathy
  
• Ability to work under pressure
  

QUALIFICATIONS

This position will require the following education and experience skills:

• Grade 12 plus some post secondary education in business administration or the granting of consumer credit (such as those courses offered through Credit Union Central BC or CUIC); a minimum of 6-12 months experience as a Loans Clerk or CSCU internal training program, a minimum of 2 – 4 years experience as a retail lender and a minimum of 12 – 15 months experience as a member service representative with a financial institution.
  

Equivalent combination of the above may be appropriate.

COMPENSATION & PERKS:

• 35-hour work week
  
• We contribute 13% of your monthly salary into your CSCU RRSP Account – NO matching or minimum contribution required
  
• Up to 12 PAID health days per year – and it gets even better, we pay out half of the unused balance at the end of each year
  
• Up to 6 weeks of PAID vacation per year
  
• PAID volunteer hours
  
• Up to $5,000 per year INTEREST- FREE Loan for home computer or fitness equipment
  
• Staff Mortgage and Personal Loans Rates
  
• Tuition Reimbursement Policy
  
• Learning and Development programs including PAID LinkedIn Learning membership
  
• Benefit Package that includes:
  

• Unlimited RMT Massages & Physio – this is NOT a typo
  
• $500 Annual Health Care Spending Allowance
  
• $200 Vision every 12 months
  
• 100% Basic and 75% Major Dental Coverage & 50% Orthodontic (up to $2000 lifetime) coverage for the employee and their dependents
  
• Out-of-country Travel Insurance
  
• “Wellbeats” On-demand video streaming platform with expert-led fitness, nutrition and mindfulness classes
  
• $2,000 Annual Mental Health Coverage & iCBT (Internet-based Cognitive Behavioural Therapy)
  
• Carepath provides support to members and their families in the event of illness or other health crises.
  
• 3X Annual Salary Life Insurance Coverage
  
• Family Building, Fertility Drugs and Gender Affirmation benefits
  
• Exclusive discounts with Perkopolis
  
• Telemedicine
  

The typical salary range for this position is $57,500 - $73,400 CAD per year. The final offer may vary based on your job-related knowledge, skills, experience, and expertise.

We welcome candidates with diverse backgrounds and are committed to finding top talent. If your qualifications differ from those listed, the final salary may be adjusted to reflect your strengths and experience.