Loan Manager – Melville Branch

Horizon Credit Union’s mission is to work together to provide the best financial services and products for the betterment of our members and our community.

Job Summary:
Under managerial oversight, this position supports the credit union’s business strategy through interpretation and execution of credit strategies for the lending services area in a branch.  Manages branch lending portfolio for adherence to profitability and risk acceptance standards and compliance with applicable regulations, policies, and procedures. Within assigned lending limits, grants retail, commercial and agricultural loans and mortgages, advises members on credit matters, and supervises other staff with credit granting authority.  Approves credit applications referred by other staff.  Responsible for departmental budgeting and planning activities.  Requires solid knowledge and experience related to all areas of lending to resolve complex enquiries and problems within area of responsibility, requiring analysis of issue and solutions within the context of business objectives and impact on department.

Key Responsibilities:

• Reviews, recommends and implements plans, procedures and practices to improve departmental operations and service provision.  Administers operating plan and budgets for assigned area; maintains signing authority for branch lending services.
• Initiates action to improve growth and development of the branch lending portfolio by analyzing member needs, trends, and competitor's offerings; recommends revisions to the marketing plan, and pursues new business opportunities by establishing and maintaining liaison with members.
• Supervises and monitors the activities of branch lending services staff; ensures staff resources are appropriately scheduled.
• Develops and implements performance and service standards for lending services staff; monitors staff performance and identifies and addresses performance gaps at individual employee and work group level; hires new staff, conducts performance appraisals and, as necessary, initiates disciplinary procedures.
• Grants retail, commercial, and agricultural mortgages and loans within approved lending limits; receives and analyzes financial and net worth statements and evaluates collateral security; calculates debt servicing capacity, negotiates terms and conditions of loan; approves credit applications referred by other staff and presents recommendations to more senior staff on applications beyond assigned approval authority.
• Provides technical direction in all branch lending service activities and acts as the resident expert for all lending products; provides leadership and guidance to staff on business development and administration of lending products; resolves unique and complex enquiries and problems requiring analysis of the issue, developing potential solutions, and evaluating impact of selected solution. 
• Interprets loan reports and identifies further action required to address problem areas such as pending delinquency; monitors delinquent accounts and works with member to develop remedial plans to mitigate risk of loss; participates in all collection activities including legal actions.

The Ideal Candidate will have the following Qualifications/Skills:

• Two years post-secondary education plus seven to nine years of job related experience or an equivalent combination of education and experience.
  
• Commitment to building member relations by being proactive and is sales driven;
• Dedicated to being a team leader and promote team effectiveness;
• Strong coaching skills and believes in leading by example;
• Previous supervisory responsibility would be an asset;
• Commitment for life-long learning and self development demonstrated by continuous upgrading of skills and knowledge; and
• Possess a working knowledge of the MicroSoft Suite of products.

The Credit Union/Organization:
Horizon Credit Union is a progressive, competitive, member-owned financial institution dedicated to high quality member services.  Boasting a strong financial performance and a positive community image, Horizon achieves success through sound financial management and innovative, relevant approaches to providing service and product excellence.  Comprised of the Melville, Grayson, Grenfell, Neudorf and Wolseley branches, we have a team of 60 well trained and knowledgeable staff serving approximately 7200 members and non-members.  Horizon Credit Union has assets of 196 Million and our loan portfolio consists of 123 Million. 

The Community:
The City of Melville is a community of approximately 5,000 residents.  Melville is located in South Eastern Saskatchewan along Highway #10.  The hospital and home provides the citizens of Melville with up to date acute and long term care.  There are five schools and post-secondary students have the benefit of the Parkland Regional College.  Melville is also home to the Saskatchewan Junior Hockey League “Melville Millionaires” and Western Major Baseball League “Melville Millionaires”.  Melville is a full service business community and boasts a very successful minor ball and minor hockey program, as well as figure skating, speed skating, curling, batting cages, swimming pool, museums, parks and many other amenities too numerous to mention.  To learn more about the community visit their website at www.city.melville.sk.ca.

Compensation:
Compensation will commensurate with qualifications and experience.  A comprehensive credit union employee package is provided including group life, long-term disability, dental, extended health, vision care and a 6/7% matched pension.  We provide an employee training program that allows for self and professional development. 

Closing:
If you are interested in pursuing this challenging career, please submit your resume complete with cover letter by Friday, May 11, 2012 to:
 
Please submit your resume to:

Human Resources
Horizon Credit Union
P.O. Box 1900
Melville, Saskatchewan
S0A 2P0
Email: human.resources@horizoncu.ca

We appreciate the interest of all applicants; however only those under consideration will be contacted.

We are committed to ensuring equitable access to employment opportunities to all members of our community.  Our goal is to attract, retain and leverage the talent of a diverse workforce that truly represents the communities in which we work and live.