Financial Service Advisor - Union

Kootenays Savings Credit Union is seeking a highly motivated and experienced Financial Service Advisor to join our team.

In this role, you will promote and provide personal lending services and provide guidance and support to other branch Advisor roles. The incumbent promotes, sells and cross sells all KSCU products and services by providing ongoing advice and exceptional service while developing and maintaining strong member relationships.

Some of your key responsibilities will include:

• Identifies members’ financial needs, explains options, and recommends KSCU services and products which best meet their individual needs. Initiates referrals to Spectrum, Kootenay Insurance Services, First Data, Commercial Services and Wealth Management, and maintains ongoing contact with existing and new members in order to increase share of wallet.
• Actively promotes and provides personal loan, line of credit and full mortgage services which may include CMHC or Sagen applications by:
• conducting interviews with members, analyzing their needs and evaluating credit worthiness
• structuring loans which will meet member needs
• recommending loan approval or decline above limits to Branch Management
• promoting and cross-selling creditor insurance, both CUMIS and Bingham products by advising members of credit insurance options and processing appropriate documentation
• submitting funding instructions to Centralized Lending once loan documentation has been processed through EDM and has been scanned and indexed to Onbase
• contacting members to discuss student line of credit, personal loan and mortgage renewal options with members and processing renewals
• reviewing requests for loan alterations and security substitutions and recommends approval or decline to Branch Management
• assisting members with creditor insurance claims as required
• reviewing and processing loan applications for mortgage brokers and realtors
• Opens and closes personal and business accounts, and processes balance of accounts as required; updates and processes changes on personal and business accounts.
• Provides guidance and advice to executors and spouses in the processing of estate accounts and ensures that funds are disbursed in accordance with Wills, Estates and Succession Act (WESA).

QUALIFICATIONS:

• Secondary school diploma or equivalent
• Minimum three (3) years’ progressive experience in financial services or retail banking within a regulated environment including a minimum one (1) year demonstrated experience in an advisory or lending capacity involving financial needs assessment, product recommendation, and independent file handling
• Ability to identify member financial needs and provide integrated deposit and lending solutions, including appropriate referrals
• Demonstrated ability to build, maintain, and grow client relationships through proactive engagement
• Demonstrated understanding and practical application of Canadian deposit and registered products
• Demonstrated ability to analyze credit information and assess member creditworthiness using sound financial judgment
• Demonstrated understanding and application of consumer lending principles, including personal loans, lines of credit, and residential mortgage products
• Ability to structure lending solutions within policy guidelines and assigned lending authorities
• Ability to assess risk, identify exceptions, and make well supported approval or decline recommendations within established limits
• Demonstrated knowledge of creditor insurance products and related disclosure obligations
• Ability to interpret and analyze financial statements, income verification documents, and supporting credit documentation
• Ability to monitor delinquency indicators and take appropriate action in accordance with established procedures
• Ability to exercise sound judgment when applying overrides within assigned authority
• Demonstrated ability to interpret and apply policies, procedures, and regulatory requirements accurately
• Strong attention to detail and accuracy in financial analysis, transaction processing, and documentation
• Proficiency using core banking systems, CRM platforms, and electronic document management systems
• Intermediate computer literacy, including document preparation and basic spreadsheet analysis
• Strong verbal and written communication skills, including the ability to explain complex financial concepts clearly
• Ability to manage competing priorities and meet deadlines in a sales and service environment
• Ability to work independently and exercise judgment within assigned authorities and limits

Why Join Kootenay Savings Credit Union?

At Kootenay Savings, we know our dedicated employees are the key to our success. That’s why we’re committed to creating a workplace where employees thrive, grow, and feel valued. We offer a total rewards package that includes:

• Hourly Wage $39.71/hour
• Comprehensive benefits including extended health, dental, and vision coverage (subject to 30 day waiting period)
• Health Care & Personal Spending Account
• No service fee credit union chequing account
• A fulfilling career in a progressive organization that embraces leading strategic initiatives
• A workplace that puts community and employees first, supporting local non-profits, student bursaries, and community sponsorships

If you are a team player ready to take on an exciting challenge in a progressive, employee-focused environment, we’d like to hear from you!

About Kootenay Savings Credit Union

We are the region’s leading credit union with over $1.7 billion in assets, more than 30,000 members, and over 200 employees. With our Corporate Office, Member Service Centre, and 11 branches located across the East and West Kootenays, we proudly provide retail and commercial banking services.

We’re deeply rooted in our community, making a difference by donating back, supporting local non-profits, and offering sponsorships and bursaries to help students succeed. It’s part of who we are and what we stand for as Kootenay Savings Credit Union.

For more information about Kootenay Savings, visit kscu.com. To learn more about the beautiful Kootenay region, visit imaginekootenay.com.

Apply Now:

To apply, please visit our website at kscu.com to upload your resume and complete the application questions.

Kootenay Savings Credit Union is an equal-opportunity employer and values diversity in the workplace. We encourage all qualified candidates to apply.

We thank all applicants for their interest; however, only short-listed applicants will be contacted.