Virtual Branch Lending Specialist

East Coast Credit Union; Dartmouth; Remote; CAD 57,000 - 68,000; Full time

Job summary

A community-focused financial institution in Nova Scotia seeks a Virtual Branch Lending Specialist to manage a digital lending portfolio. The ideal candidate will analyze loan applications, negotiate loan structures, and maintain relationships with members and dealers. Competitive compensation and benefits are offered, along with a vibrant workplace culture. The position requires a minimum of five years in lending and a diploma in Business or Commerce.

Benefits

Flexible Health and Dental Plan

Performance-based incentives

Tuition reimbursement

Annual wellness credit

Paid volunteer time

Qualifications

• Minimum of five years of lending experience or equivalent training.
• Proven ability to exercise sound judgment and discretion.
• Experience with Dealer Financing and/or Mortgage Brokerage preferred.

Responsibilities

• Monitor online applications and process lending requests.
• Analyze financial status and approve/decline loans.
• Build relationships with third-party partners such as dealers and mortgage brokers.

Skills

Strong communication

Negotiation skills

Relationship-building

Technical ability

Problem-solving skills

Education

Certificate or diploma in Business or Commerce

Job description

Overview

Virtual Branch Lending Specialist opportunity at East Coast Credit Union, Nova Scotia's largest credit union. Join a community-driven financial institution focused on people, not profits, and committed to community growth and member satisfaction.

East Coast Credit Union is seeking a Virtual Branch Lending Specialist. Reporting to the Assistant Manager, Virtual Branch Lending, the Lending Specialist is responsible for developing and growing our digital/online portfolio including but not limited to Dealer Finance, Mortgages, Loans, account opening and deposits/investments, as well as promoting other products and services to existing and prospective members. The incumbent represents the Credit Union in a professional manner; establishes and maintains strong third party and member relationships.

Responsibilities

• Monitor online applications from a variety of business lines.
• Process and make decisions on lending requests within short time frames in an efficient and timely manner.
• Analyze applicants’ financial status, credit, and property evaluation to determine feasibility of granting loans. Approve or decline loans within approved lending limits or refer to the next higher approving position level with recommendations.
• Compile loan packages and negotiate loan structure with applicants, including rates, terms, repayment options, and other credit terms.
• Prepare documentation for loan renewals, loan payment extensions, and substitution of loan securities.
• Proactively identify new products and services to support the member’s financial goals. Proactively contact members regularly to retain or solicit new business.
• Provide individual financial counseling and information to members on loan services and deposit products available through the Credit Union. Make referrals for those requiring financial planning advice.
• Periodically contact dealers and mortgage brokers to maintain and build strong relationships with third party partners.
• Recommend new procedures or changes to procedures for new and existing loan and deposit products and services.
• Proactively contact members and update Member Records and Relationship Management Systems regularly.
• Follow the Credit Union’s security and risk management procedures.
• Keep up-to-date with industry news, trends and local market conditions.

Qualifications

• A certificate or diploma in Business or Commerce plus a minimum of five years of lending experience or an equivalent combination of training and experience in credit.
• Strong communication, negotiation and relationship-building skills with the proven ability to exercise sound judgment and discretion.
• Proven technical ability. Experience with Dealer Financing and/or Mortgage Brokerage is preferred.

Requirements and Attributes

• Passionate about providing exceptional customer service.
• Able to achieve and exceed business/sales objectives.
• Able to work in a fast-paced environment and adapt to internal process and technological changes as well as changes in the financial industry.
• Self-motivated with a strong work ethic.
• A critical thinker with problem-solving skills.
• Accurate with high attention to detail.
• Good communication and time management skills.
• Bilingual (English & French) would be an asset.

Benefits

• Outstanding culture and opportunity to join an engaged, community-focused team.
• Competitive compensation to commensurate with experience ($57,737.10 - $67,926.06) and benefits with performance-based incentives.
• Assistance with immigration through the Atlantic Immigration Program (AIP) — designated employer.
• Generous benefit package including a Flexible Health and Dental Plan (paid 100% by employer) and up to 9% contribution with employer match in the Defined Contribution Pension Plan.
• Tuition reimbursement, training, and personal development.
• Additional employee perks include annual wellness credit; reduced rates on employee loans/mortgages and paid volunteer time.

Application Details

Applications will be accepted until: September 23, 2025.

Please note that all offers of employment are conditional upon the acceptance of an Individual Fidelity Bond Application which includes a criminal check and a credit check.

Don’t meet every single requirement? At East Coast Credit Union, we believe everyone has potential. If you are excited about this career opportunity and your experience may not perfectly align with every qualification in this job posting, we still encourage you to apply. You may be just the right candidate for this role or other opportunities we may have.

We wish to thank applicants in advance; only candidates selected for an interview will be contacted.

Careers - About Us | East Coast Credit Union (eastcoastcu.ca)

East Coast Credit Union is committed to providing access, equal opportunity, and accommodation for individuals with disabilities. To request accommodation, please contact Human Resources by email at [e-mail] or by phone at 902.464.7107