The Remote Financial Advisor (the “RFA”) utilizes credit underwriting expertise and relationship management / service skills to process consumer credit referrals originated through the Member Service Centre and/or directly online.
This position is complimentary to the branch consumer service delivery channel, through the exclusive delivery of remote access for those members preferring the same, and during non-traditional business hours (evening and weekend shifts based on Mountain Daylight Time - MDT are required). The role will focus solely on consumer loan and mortgage applications, with the potential expectations of full Financial Advisor duties (deposits) in the future.
Member Experience
The RFA will carry out meetings via phone and/or video calls with existing and prospective consumer members who have a new or renewal loan and/or mortgage requirement, applying a broad needs-based approach to provide proactive solutions that holistically meet member needs and build long term member relationships for the credit union.
Provide relevant insights and expert advice which serve to educate members.
Support branch staff in member onboarding and retention.
Foster business development through service excellence and product knowledge.
Lending Products Advice
Gather pertinent and required information to complete credit applications for approval to the appropriate authority level, pursuant to a prescribed credit worthiness analysis based on credit union policies, guidelines and procedures.
Work collaboratively to ensure all activities comply with relevant legislation, regulations and policies and procedures to minimize errors and omissions.
Product Knowledge
Maintain up-to-date knowledge of all Lakeland Credit Union products and services and promotional campaigns.
Maintain awareness and ability to differentiate competitor products and services.
Team and Organizational Participation
Contribute to initiatives and related activities by growing both existing and new member accounts.
Accountable for promoting Lakeland Credit Union values and teamwork between internal members.
Participate in performance planning expectations and be accountable for training and development needs.
Exemplify Lakeland Credit Union’s values while providing support of Member Service Centre and branch mortgage and loan goals.
Working hours will be flexible with evenings and the occasional weekend as required. A standard schedule will be provided in advance and subject to change based on the needs of the organization.
Qualifications and Competencies
Completed formal post-secondary education is preferred.
Relevant courses considered an asset include:
Underwriting - The Fundamentals
Applied Residential Mortgage Lending
Consumer & Residential Mortgage Lending
Strong written and verbal communication skills with the ability to explain complex information clearly and simply. Demonstrated attention to detail with a high-level of accuracy, preferably with previous telephone or online experience.
Previous Call Centre experience would be an asset.
Three to five years of previous retail banking experience with a focus on lending and a track record of success is required.
