Financial Service Representative

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

To assist members in reaching Financial Comfort by developing a solid financial plan to efficiently manage members’ income, expenses, assets and liabilities in order to meet the member’s short-, medium- and long-term financial objectives by following a structured framework which enables members to make informed financial decisions and provide service and financial guidance through virtual channels and support lending and mortgage retention opportunities.

DUTIES AND RESPONSIBILITIES:

• Promotes, upsells, cross-sells, and advises on the full range of lending and investment vehicles with emphasis on consumer loans, mortgages, lines of credit, deposit and investment vehicles and sundry services by actively soliciting growth membership opportunities and following up on staff referrals, sales initiatives, and member inquiries
• Responsible for keeping current on all Learning and Development Courses, annual compliance, lending, investment, etc.
• Member inquiries and requests through virtual channels from members
• Requirement target for member appointments daily
• Requirement target for member outreach per day
• Actively pursue member’s business through outbound calls and virtual channels, including marketing leads and member inquiries
• Proactively maintain regular communication with members through phone, email, video and other virtual channels to identify financial needs, lending opportunities and retention needs.
• Approves loans, mortgages and lines of credit using the authority limit outlined in the personal lending letter of authority and/or makes recommendations for approval/declines to the Retail Sales Manager / Branch Manager / Credit Management Committee
• Ensure follow-up and continued response to maintain excellent member experience
• Responsible for opening and maintaining accounts offered by the credit union – for example Estates, Organizations, and Registered/Non-registered products.
• Works closely with Credential Financial Strategies Insurance Advisor and Wealth Consultants and Advisors to provide the highest level of quality service consistent with CFCU’s guidelines and policies

How You’ll Succeed

• Demonstrated ability to effectively problem- solve and make decisions as well as manage conflicting priorities
• Proficient in Microsoft Office Suite, including Excel and Outlook as well as job related software
• Strong planning, organizational and time management skills
• Excellent interpersonal, verbal, written and listening communication skills
• Communicate in a manner that is professional, respectful, effective, and timely
• Ability to work well independently and collaboratively as a team member and actively contribute to team successes across YNCU
• Ability to demonstrate integrity and build trust with others and remain open to ideas
• Ability to embrace and manage change
• Provide exceptional member and internal client service in every interaction and at every touchpoint
• Be self-motivated, resourceful and flexible
• Ability to maintain confidentiality of sensitive and proprietary information

What we are looking for

• Should possess University or College degree or diploma, preferably in Business or equivalent work experience along with a minimum of three years of related experience in a financial institution
• Proficient in Microsoft Office Suite, and other job-related software 
• Knowledge of banking products to include accounts, registered/non-registered investments, and all personal lending and mortgage products
• Proven communication, interpersonal, time management and superior customer service skills
• Willingness to work in a learning environment, and the ability to upgrade education and skills to keep pace with changes in this job function and the financial industry.
• Must be bondable

Union: Unifor

Job Type: Full-time

Department: Virtual Enablement Team (VET)

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 at https://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 careers@yncu.com.