Job Description

TEAM LOCAL is hiring Built on over 75 years as a BC credit union, Prospera Credit Union is a community-based, purpose-driven organization that offers a full range of financial products and services. Prospera is British Columbia\xe2\x80\x99s fourth-largest credit union, with $9 billion in assets and 120,000 members. With 26 branches, Prospera is proud to serve communities from Vancouver, through the Fraser Valley, and to the Okanagan. It\xe2\x80\x99s our vision to help build vibrant healthy communities, thriving local enterprises, and financially empowered people. Do you have a knack for business banking and love providing great service? We are currently seeking a Local Business Relationship Manager, who will be responsible for growing and maintaining a portfolio of high value micro businesses and their owners. This business banking hybrid position will attract, build and retain relationships by providing customers with integrated financial advice and solutions to meet their business and personal banking needs. If this sounds like you, read on! What you\xe2\x80\x99ll do:

• Maintain a network of key contacts, enhance the credit union\'s image and reputation through effective public relations.
• Represent the credit union in the community, and at business events.
• Review assigned portfolio and ensure customers have appropriate lending and other products; Leverage the expertise of specialists to fulfill on customer\xe2\x80\x99s business and personal needs through referral to appropriate Prospera Lines of Business if opportunities are apparent.
• Negotiate and implement revised or new banking arrangements for customers and/or prospects.
• Complete due diligence and investigation; analyze and interpret financial and other information; assess value of security; make recommendations for new loan, loan renewals and amendments within the guidelines of PCU lending policy and procedures.
• Provide creative and flexible solutions in structuring credit with appropriate supporting commentary. Submit recommendations for credit to appropriate approval level.
• Review reports for assigned portfolio to identify potential problems and contact customers to resolve issues; develop action plan to ensure risk is minimized.
• Determine and recommend whether to retain, expand or de-market existing relationships based on analysis of credit risk, profit contribution and other considerations and submit recommendation to appropriate level of authority.
• Coach and educate local business customers to ensure financial records are up to date and provide advice to assist with the success of the enterprise.
• Visit customers on a regular basis to observe business operations, develop additional business opportunities and ensure loan security is protected.

What you bring:

• Minimum 3 years retail lending experience with sensational people skills and a passion to learn business and/or 2 years\xe2\x80\x99 experience in small business management/lending.
• Post-secondary diploma/degree, ideally in Commerce, Business Administration or an equivalent combination of education and experience.
• Demonstrated success with business development and ability to cultivate long-term member relationships as well as acquire new clients.
• Excellent communication, time management and organizational skills with the ability to work under pressure to meet deadlines.
• Excellent knowledge and comfort level with computer software programs and ability to write detailed reports and credit submissions.
• Bilingual skills in English/Punjabi is a plus.

Our Values Cultivate trusting relationships: We are local at heart, aligned in our purpose to help our members, communities, and team thrive. Empower and enable others: We give each other the space, trust, and tools to succeed. Lead with curiosity: We approach all circumstances with curiosity and a drive for continuous learning and improvement. Embrace change and execute with purpose: We plan with agility, take action, and pivot to deliver results. Thrive as One Team: We collaborate because it strengthens us. What\xe2\x80\x99s in it for you? Inclusive, equitable and accessible workplace: All team members are valued, respected, and heard. We learn from each other\xe2\x80\x99s differences, gaining strength through our people and our perspectives. Training and Support. We set our employees up for success with training and continued support and access to resources throughout employment. Career Advancement! We are committed to our employee\xe2\x80\x99s growth and development and we want to see you soar. Fun & Camaraderie. We care deeply about our members and our employees and we want the hours you spend with us to be fun, rewarding and sometimes lighthearted. We like to work hard, play hard, have fun and be there for each other. Show me the money! We offer competitive pay, a personalized benefits program, and a generous defined contribution pension plan. Community Focused. We care about giving back to the communities we live, work and play in. We participate in many community minded activities throughout the year. Join TeamLocal. Apply Today.