Financial Service Representative, UNIFOR

Who We Are

At YNCU, we believe banking should be personal, simple, and focused on helping people thrive. As a member-owned financial institution, we're committed to strengthening the financial well-being of our members, employees, and communities through trusted advice, meaningful relationships, and innovative solutions.

Our team is passionate about creating exceptional experiences while making a positive impact in the communities we serve. We foster a collaborative and inclusive culture where employees are empowered to share ideas, grow their careers, and bring their authentic selves to work.

Guided by the belief that a rising tide lifts all boats, we're building shared prosperity by making banking radically simple and helping our members create stronger financial futures. Join us and be part of a team that's making a difference—one member, one community, and one relationship at a time.

What You’ll Be Doing

Accountable for building long- term profitable relationships within a set portfolio of members by providing value added advice and exceptional service. Under general supervision provides advocacy to members related to a full range of lending and investment vehicles with emphasis on consumer loans, mortgages, credit card products, lines of credit, deposit and investment vehicles within clearly defined policies and procedures. Be the primary resource for opening new member accounts and for actively soliciting membership growth opportunities by following up on incoming credit checks, staff referrals, sales initiatives and member inquiries. Actively participate in all branch campaigns and promotions and champions the organization’s member advocacy culture

How You’ll Succeed

• When making credit decisions, complete a thorough investigation of the facts, and make sound lending decisions that balance the member’s needs with the credit union’s risk. Follow discretionary lending limits and lending policies. Make recommendations for loans outside limits and review all declines with Branch Manager.
• Provide individual financial counselling (debt consolidation) and information to members on lending services and deposit products offered through the credit union.
• Ensure profitability by using sound judgement and policy when setting interest rates.
• Support all marketing campaigns.
• Make referrals to Investment Advisor for mutual funds and other investment vehicles.
• Actively participate in departmental/ work unit and credit union meetings.

What we are looking for

• Provide accurate and detailed instructions to the Loan and Investment administrative staff to ensure all administration for processing of all new, and renewing loans, mortgages, and investments is completed accurately and on time to meet the member’s identified need.
• Ask open-ended questions to understand the member’s full financial needs.
• When making credit decisions, complete a thorough investigation of the facts, and make sound lending decisions that balance the member’s needs with the credit union’s risk.
• Follow discretionary lending limits and lending policies. Make recommendations for loans outside limits and review all declines with Branch Manager.
• Provide individual financial counselling (debt consolidation) and information to members on lending services and deposit products offered through the credit union.
• Ensure profitability by using sound judgement and policy when setting interest rates.
• Support all marketing campaigns.
• Make referrals to Investment Advisor for mutual funds and other investment vehicles.
• Actively participate in departmental/ work unit and credit union meetings
• Identifies the need for new and revised policies and procedures in both the loans and Investment areas of the credit union.
• Must be bondable

Union: UNIFOR

Job Type: Full-time/Contract (1) one year

Work Arrangement: On site

This position is for an existing vacancy within our team.

What You’ll Love About Working Here

At YNCU, you are more than an employee. You are part of a purpose driven team that strengthens local communities and champions the credit union difference. We believe banking locally matters, and every day our team helps members build stronger financial futures through personalized advice, trusted relationships, and community support.

As a people first organization, we are committed to an environment where employees feel supported, valued, and empowered to grow. Through professional development, wellness initiatives, volunteering, and collaborative team experiences, we invest in our people because they are at the heart of everything we do. Programs like our Good Neighbours Employee Volunteer Program and Monthly Staff Donation Draws give employees a direct voice in supporting the causes that matter most to them and their communities

When you join our team, you become part of a collaborative culture that values authenticity, growth, and making a meaningful impact in the communities we serve. Some benefits that will support you:

• Competitive compensation and incentive programs
• 100% employer-paid health benefits
• Wellness benefits and resources to help you thrive both at work and at home, including mental health support, fitness programs, wellness breaks, and mindfulness resources
• 7% Matching pension plan
• Paid vacation and personal days
• Ongoing learning, training, and development opportunities
• A free banking account and preferred employee rates on lending and investment products
• Recognition and community engagement programs
• Paid volunteer opportunities and community involvement initiatives
• Professional development and certification reimbursement

Employer Awards and Recognitions

• Certified B Corporation® organization committed to social and environmental impact
• 2025 Southwestern Ontario’s Top Employers
• Waterloo Area’s Top Employers 2025
• The Career Directory 2025: Canada’s Best Employers for Recent Graduates
• 2025 Canada’s Healthy Workplace Month Great Employer
• Ontario Living Wage Network

Check out our current openings athttps://jobs.dayforcehcm.com/yncu/CANDIDATEPORTAL

YNCU strives to be a diverse workplace reflective of the communities that we live in. We are committed to a diverse workforce and invite everyone to apply. YNCU makes hiring decisions solely on qualifications, merit, and business needs at the time.

YNCU is an equal opportunity employer that is committed to diversity and inclusion in the workplace. We prohibit discrimination and harassment of any kind based on race, colour, sex, gender, religion, sexual orientation, national origin, disability, pregnancy, or any other protected characteristic as outlined by national, provincial, or municipal laws. This applies to all employment practices within our organization, including hiring, recruiting, promotion, termination, layoff, recall, leave of absence, compensation, benefits, and training.

Your Neighbourhood Credit Union will provide accommodations for persons with disabilities, where needed, to support their participation in our recruitment process. Please contact Human Resources at [email protected].