Financial Services Officer

About Atlantic Edge Credit Union

We’re a cooperative—a small point, but a big difference. With over 24,000 members and $500 million in assets, Atlantic Edge Credit Union empowers the people and communities we serve by providing financial services and advice built on honesty, fairness, and trust. Being a cooperative means our members are also our owners—which means what’s good for you, is good for us.

From everyday banking needs such as chequing and savings accounts to investments, credit cards, mortgages, loans, and business banking, we offer the products and services our members need to achieve their financial goals.

But we’re more than a financial institution—we're a community partner committed to making a difference in the lives of our members and beyond. Every day, we work to create a brighter future for all, one financial milestone at a time.

If you're looking to build a meaningful career with an organization that values collaboration, inclusion, and community impact, we'd love to hear from you.

About the Location

This position is located on site, in Mount Pearl, NL.

About the Opportunity

Reporting to the Branch Manager, our dynamic Financial Services Officer (FSO) will bring a burst of enthusiasm to every interaction! You'll connect with members, dive into their financial details, and skillfully match them with the perfect credit options, investments, and services. Get ready to build strong relationships and ensure that members achieve their financial goals!

Main Responsibilities and Focus:

• Conducts interviews with applicants to obtain personal and financial data to determine lending and/or investment needs
• Evaluates and authorizes or recommends approval of credit applications – Line of Credit, Personal Loans, Mortgage
• Compiles loan package and negotiates loan structure with applicant, including rates, terms repayment options, and other credit terms
• Promotes and sells various deposit services including term deposits, RRSPs, RESPs, RRIFs, etc. (as appropriate) to members
• Processes member transactions, loan applications, mortgages, lines of credit, overdrafts, credit cards and payment cards
• Provides individual financial counseling and information to members on loan and deposit product and services; and sells various deposit services including term deposits, RRSPs, RESPs, RRIFs, LIFs, Mutual Funds
• Monitors overdraft activity and ensures appropriate action is taken to minimize losses to the credit union
• Initiates collection action
• Document preparation for loan renewals, payment extensions and provides support to the audit department for loan documentation

About You

The successful candidate will have successfully completed a certificate or diploma in Business Administration plus have three to five years’ experience in credit and collections in a financial institution; or an equivalent combination of education and experience.

The successful candidate will also have:

• Superior customer service skills
• Demonstrated knack for not just hitting but surpassing business and sales targets
• Skilled in crafting and executing effective work plans
• Ability to work independently and within a team environment
• Established knowledge of the lending process with proven sound lending judgement
• An outgoing and self-motivated nature with strong work ethics
• Demonstrated critical thinking and problem-solving skills
• Knowledge of policies, financial principles, and the regulatory environment
• A rock-solid track record of precision and meticulous attention to detail in data entry, paperwork, and cash balancing
• Proficiency with Microsoft 0365 applications
• Exceptional communication prowess and stellar time management skills

About the Benefits

In exchange for your hard work and dedication, you will receive a highly competitive salary of $52,700 - $62,000, negotiable dependent on skills, experience and qualifications, along with a great host of benefits, including:

• An exceptional workplace culture, and an opportunity to join an engaged and community-driven team
• Competitive compensation and benefit packages with performance-based incentives
• Generous benefit package including a flexible health and dental plan (minimum 60% employer paid), including life insurance, ADD, EAP, and Teledoc
• Minimum 6% contribution with employer matching in a Defined Contribution Pension Plan
• Generous annual, sick, and volunteer leave allowances
• Tuition and training reimbursement for personal and professional development
• A commitment to fair wages as a living wage employer
• We encourage regular manager-employee performance feedback and goal alignment through our employee performance management program
• Additional benefits, include but are not limited to paid volunteer, sick time and personal leave, reduced rates on employee loans/mortgages and no service fee banking
• Regular social events, such as Christmas and holiday parties, community and charity initiatives, and much more!

Join our team for a meaningful career, backed by benefits that support your professional and personal growth.

Interested in Applying?

Atlantic Edge Credit Union is committed to providing an inclusive and accessible recruitment experience for all candidates. If you require an accommodation or experience barriers while completing an application, please contact Human Resources at [email protected]. We welcome your feedback and are committed to continually improving accessibility for all candidates.

Atlantic Edge Credit Union values diversity in the workplace and is committed to the principle of Employment Equity. We are an equal opportunity employer and encourage the recruitment and promotion of Indigenous Peoples, persons with disabilities, members of visible minority groups, and women, to help ensure equitable representation at all levels.

The successful candidate must be legally eligible to work in Canada and, where applicable, possess a valid work or study permit.

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