• An exceptional financial cooperative with a firm commitment to its people, culture, and the community 
• Become a key part of a forward-thinking, inclusive, and diverse team that values every perspective
• Earn a competitive salary of $51,400 - $60,400, and comprehensive benefits! 

About Atlantic Edge Credit Union

We’re a cooperative—a small point, but a big difference. With over 24,000 members and $500 million in assets, Atlantic Edge Credit Union empowers the people and communities we serve by providing financial services and advice built on honesty, fairness, and trust. Being a cooperative means our members are also our owners—which means what’s good for you, is good for us.
From everyday banking needs like chequing and savings accounts, investments, credit cards, mortgages, loans, and business banking, we offer all the products and services you expect from your financial institution.

For more information, please visit our website: atlanticedgecu.ca

About the Location

Work from any of our 15 branch community locations: Port aux Basques, Codroy Valley, Fogo Island, Jeffrey's, St. George's, Corner Brook, Deer Lake, Port Saunders, St. Anthony, L'Anse au Loup, Mary's Harbour, Happy Valley-Goose Bay, Carmenville, Triton, Gander, Mount Pearl.  

About the Opportunity

Join our team as a Digital Lending Officer at Atlantic Edge Credit Union, where you’ll help grow our lending portfolio, including dealer finance mortgages, loans, and deposits across all branches. Reporting to the Manager of Retail Services, you’ll build strong relationships with members and third parties, promoting our products and services with enthusiasm.

Your mission? Deliver exceptional member experiences, manage lending and deposit portfolios, and support our sales and marketing efforts—all while fostering an inclusive and engaging work environment. Together, we'll make a big impact in our communities and strengthen our financial foundation for future opportunities.

Main Responsibilities and Focus:

• Efficiently manage loan applications and inquiries, assess financial status and creditworthiness, verify applicant details, and approve or refer loans within lending limits, ensuring prompt communication of decisions to members.    Assist in compiling credit information to determine creditworthiness and establish credit limits. Tasks include obtaining credit reports, contacting businesses, legal counsel, former creditors, and personal references.
• Work with applicants to create tailored loan packages, negotiating rates, terms, and repayment options that suit their needs. You'll ensure all agreements are accurate and compliant before funds are disbursed, making sure everything is in place for a smooth and timely loan closing.
• Proactively recommend new products and services that align with members' financial goals. You'll offer personalized financial counseling, such as debt consolidations, and guide members on available loan services and deposit products. When needed, you'll also refer them to financial planning experts.
• Regularly visit dealers and mortgage brokers to nurture and strengthen relationships with our third-party partners.
• Stay current with policies and procedures, including updates and revisions. Suggest improvements and new procedures for loan and deposit products to keep everything running smoothly.
• Regularly update and maintain Member Records and Relationship Management Systems to ensure accuracy and efficient operations.

About You

The successful candidate will have successfully completed a certificate or diploma in Business Administration or Commerce plus have three to five years’ related lending experience in a financial institution or an equivalent combination of education and experience. 

The successful candidate will also have:

• Effective Communicator: Articulate both in writing and speaking, clearly sharing information and engaging with clients.
• Adaptable to Change: Navigate and embrace industry changes with a proactive and positive approach.
• Thrives in a Fast-Paced Environment: Prioritize and manage tasks efficiently in a dynamic, high-energy setting.
• Tech Savvy: Leverage strong technical skills to master digital tools and platforms with ease, like Microsoft Office 365.
• Sales and Service Focused: Committed to delivering exceptional service while driving digital lending solutions.
• Risk Awareness: Identify and mitigate potential risks to ensure secure and compliant lending practices.
• Compliance Champion: Ensure all lending activities meet regulatory standards and internal policies.
• Product and Service Knowledge: Deep understanding of digital lending products and services, with the ability to convey their benefits to clients.
• Lending Expertise: Strong background in lending practices, especially in a digital context.
• Business Insight: Use keen business acumen to make informed decisions and contribute to organizational success.
• Decisive: Make prompt, informed decisions to drive efficient lending processes.
• Organizational Skills: Efficiently manage digital lending tasks and client interactions to maintain streamlined operations.
• Driven and Results-Oriented: Self-motivated with a focus on achieving digital lending goals and delivering outstanding results.

About the Benefits

In exchange for your hard work and dedication, you will receive a highly competitive salary of $51,400 - $60,400, negotiable dependent on skills, experience and qualifications, along with a great host of benefits, including:

• Defined Contribution Pension Plan with 6-8% employer matching
• Comprehensive Extended Health, Dental, and Vision Coverage (60%+ employer-paid)
• Life, Accidental Death & Dismemberment, Disability, and Teledoc Coverage
• Generous annual, sick, and volunteer leave allowances
• Tuition and training reimbursement for personal and professional development
• A work environment that values regular manager-employee performance feedback
• A commitment to fair wages as a living wage employer
• Additional perks, including reduced rates on employee loans/mortgages and no service fee banking
• Regular social events, such as Christmas and holiday parties, community and charity initiatives, and much more!

Join our team for a meaningful career, backed by benefits that support your professional and personal growth. Apply today!

Interested in Applying?

Atlantic Edge Credit Union values diversity in the workplace and we are committed to the principle of Employment Equity. We are an equal opportunities employer and encourage the recruitment and promotion of aboriginal peoples, persons with disabilities, visible minorities, and women, to ensure that they are equitably represented at all levels. The successful candidate must be legally eligible to work in Canada, and where applicable have a valid work or study permit.

Please note that all offers of employment are conditional upon the acceptance of an Individual Bond Application which includes a criminal record check and a credit check.