Account Associate

Branch Location: Charlottetown, PE

Join Atlantic Canada's largest credit union, Provincial Credit Union and become part of a team committed to positively impacting our island communities. Provincial Credit Union is honored to be recognized as one of Canada's Top 100 Employers for 2025! This achievement reflects our commitment to maintaining a dynamic and supportive workplace. Our core values of People, Purpose, and Possibility guide our mission of providing sound financial advice, planning, and education to our members. We believe in empowering our employees to deliver and support quality member experiences and fostering engagement within our communities. Join us in making a difference as we lead the way in serving the financial needs of islanders.

What Youll Do:

• Through interviews and the analysis of pertinent information, assess new business credit requests from existing members and prospective members.
• Document and present commercial loan applications.
• Structuring loans within loan policy. Approve loans within authorized limits or champion loan recommendations to the appropriate level.
• Present financing proposals, consistent with the approval, to existing or prospective members.
• Review of loan documentation prior to closing for completeness and acceptance by existing or prospective members.
  
• Manage assigned commercial loan portfolio including annual reviews, credit amendments, interest rate renewals, review of security files, site visits, and portfolio monitoring.
• Review current portfolio to ensure members are being supported with the proper banking solutions for their own business evolution. Engaging with members to deliver memorable member experiences when assisting them with their business banking needs.
• Collect and follow-up for delinquent loans and excess operating facilities. Undertakes, and/or, recommends appropriate collection activity including legal action and security realization.
• Build and maintain positive working relationships with existing members, network with local professionals and centers of influence to generate new business and referrals.
• Travel to surrounding branches is required.
  

What You Have:

Required Education and Experience

• Successfully completed a post-secondary business program plus a minimum of 2 years related experience in financial services, or an equivalent combination of education and experience.

Skills and Abilities

• Ability to proactively listen and identify sales opportunities.
• Ability to exercise good judgment in establishing and maintaining working relationships, solve problems, and be able to deliver a high level of accuracy, focus and timeliness.
• Proven organizational, planning, and multi-tasking skills.
• Ability to present, sell and service Credit Union products as well as demonstrate a professional manner and poise, and sensitivity in dealing with confidential information and materials.
• Strong written and verbal communication skills are required along with a proficiency in Microsoft Office Applications.

What we offer:

• Outstanding Culture: Join an engaged and community-focused team that fosters a positive work environment.
• Market Competitive Compensation: Enjoy a competitive salary along with an annual bonus program.
• Generous Benefit Package: We provide a comprehensive benefits package, including a flexible health and dental plan, sick time, and a Defined Contribution Pension Plan and Group Retirement Saving Plan with up to 9% employer contribution.
• Work-Life Balance: Start with three weeks of vacation per year, supplemented by four personal days and two volunteer days.
• Professional Development: Take advantage of tuition reimbursement, training programs, and career progression opportunities.
• Employee Perks: Enjoy additional perks such as an annual fitness and clothing allowance, reduced rates on employee loans and mortgages, and no service fees on banking transactions.
• Salary range for this position: $58,700 - $69,000.

Bondability Requirement
As part of the hiring process, candidates must meet the requirements to be bondable under a fidelity bond policy. This ensures eligibility to work in roles involving financial transactions and the handling of sensitive member information.

Bondability may involve considerations such as past criminal convictions, credit history, and other relevant factors assessed by our insurer.

Closing date is June 9th, 2025.

Diversity and Inclusion:

Provincial Credit Union invites applications from all qualified individuals. Provincial Credit Union is committed to employment equity and diversity in the workplace, and welcome applicants from diverse backgrounds. Accommodation is available for applicants with disabilities throughout the recruitment process.