Financial Service Officer - Mississauga, Canada - BCU Financial
Description
Reports To:
Branch Manager/Supervisor
Overview:
This position is responsible for developing member relationships by addressing/attending to both
their deposit, lending and investment needs. The position of FSO is also responsible for achieving
set objectives for deposit, lending and investment products, and facilitating referrals to BCU
Wealth Management and BCU Insurance.
**Responsibilities: - Develops member relationships, promotes and completes the sale of a range of deposit and
investment products for assigned portfolio by identifying and pursuing opportunities within
existing portfolio or through referrals.
- Acts as the primary resource for opening new accounts and effectively matches appropriate
- Interviews loan and mortgage applicants, analyzes financial information, assesses credit
- Identifies opportunities to promote, upsell and crosssell the Credit Union deposit and
deposit boxes, BCU link (online banking), member cards, merchant services and credit
cards.
- Manages margins between deposit and credit facilities.
- Identifies opportunities to promote, upsell, and crosssell the Credit Union credit products
- Maintains regular contact with members to promote business retention.
- Interviews business members and analyzes financial information including financial
applicable), profitability and personal net worth or shareholders and other variables
affecting loan viability and makes recommendations for approval/decline by Branch
Manager/Supervisor.
- Executes the branch marketing program to attain credit, deposit, membership and sundry
- Represents the Credit Union in the community by participating in local business activities
- Exhibits a high commitment to member client relationships by promoting the concept of
- Consults with Branch Manager/Supervisor for further investigation and analysis of credit
lending approvals.
- Conducts normal follow up on delinquent accounts and maintains a systematic collection
recommends appropriate action to minimize risk.
- Maintains working knowledge of current products, services, programs, policies and
- Effectively uses Customer Relationship Manager and Ovation to maintain member contact
- Adheres to branch operating procedures, lending policies, and security and compliance
- Builds and maintains effective working relationships with team members & other BCU
- Participates in team meetings, workshops and individual coaching sessions.
- Other duties as assigned.
- 3 years related experience or an equivalent combination of experience, training and/or
- Knowledge of deposit, personal & investment products/services to effectively analyze and
- Knowledge of retail lending products & practices to respond effectively to member
- Comprehension of relevant regulatory requirements.
- Familiarity with product offers by competitors to respond to member inquiries and explain
- Awareness of sales management techniques and initiatives to promote & sell financial
- Highly motivated with excellent interpersonal, communication (verbal and written) and
- issues.
- Proficiency of Ukrainian language is an asset.
Compensation:
Salary will commensurate with qualifications and experience. BCU Financial also offers a
competitive and comprehensive benefits package.
BCU Financial is a member-owned, financial cooperative dedicated to improving the lives of members and
their community. BCU Financial is a part of BCU Financial Group - a fast-growing Ontario-based financial
group providing Canadians with diversified services and products. BCU Financial Group offers its members a
real alternative to high-fee, big-name banking by providing no-fee chequing accounts, competitive savings
accounts, loans, mortgages, cards, investment services, online banking, and insurance services. BCU
Financial, together with its BCU Wealth Management division, currently oversees $1 billion in assets.
BCU Financial Group also recognizes the importance of building a strong community. That's why it provides
generous sponsorship funding annually to a wide array of community-based projects and activities. The
Credit Union
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