Title: Agricultural Loans Officer (Term 12-18 months) Reporting to the Branch Manager, is responsible for the credit granting functions within the personal, agricultural, commercial and mortgage areas, including interviewing clients, assessing credit worthiness and authorizing loans within limits and/or recommending or declining loans based on established lending granting criteria. Analyzes financial statements, operating cycles, profit levels, cash flow projections and other factors or variables that affect loan viability and risk. Promotes, up-sells and cross-sells the full range of credit union products and services and actively participates in all branch campaigns to promote loan growth.

Conducts a systematic collection procedure and initiates and/or recommends appropriate action to ensure safety of funds and delinquency ratio. Analyze member client financial information including financial statements, operating cycles, cash flow, historical performance of the business, profitability and personal net worth and other variables affecting loan viability. Evaluate security, conduct investigation of credit worthiness, calculate the loan to value of security position, ensure that the appropriate documents are prepared.

Review loan file documentation and conditions (if any) with member, have member sign appropriate forms/documentation and advance loan to member account on completion/approval of loan. Conduct annual reviews of loans and lines of credit in accordance to policy. Conduct normal follow up on delinquent accounts, review delinquency reports and analyze loan status,



recommend and/or implement delinquency action to mitigate losses including work outs or legal action if necessary.

Audit loan files for appropriate registrations, proper execution of documents and verify that all conditions have been met. May review the overdraft daily and recommend appropriate action within credit union policy. Understand and incorporate branch operating procedures, lending policies and security requirements and ensure that guidelines are adhered to.

Identify new business opportunities in the community and/or trading area by personal contact, cold calling and/or referrals and investigate and evaluate opportunities for recent business members. Represent the credit union in the community by participating in local business activities and community functions that will enhance the image of the organization in the trading area and promote the philosophy and principles of the co-operative movement. Identify opportunities to promote, up sell and cross sell the full range of Credit Union products.

Develop an affiliation with members by knowing individual members and their business relationship with the credit union.



Contribute to the growth and development of the lending portfolio and identity opportunities to improve performance by analyzing member needs, business trends and competitor offerings. Through personal example, portray a good sense of teamwork and establish working relationships with other staff members by displaying a willingness to assist others and contribute to team goals.

Other duties as necessary under direction of your branch manager/immediate supervisor. These duties include, but are not limited to loan clerking duties and other levels of lending, particularly where a branch does not have availability of these lender/clerk positions. Credit union computer system; credit union philosophies and principles; credit union lending policies and procedures; corporate and Branch objectives and goals; financial analysis; computers skills, information systems and spreadsheets; time management and personal organization; marketing strategies and implementation.

Preference will be given to those with Post secondary education, Graduates of CUIC Management Studies Program and candidates with a proven track record in credit union/financial institution environment. Four to five years as a personal lender or an equivalent combination of education and experience. Minimum 30% of your portfolio is Agricultural and/or Commercial Credit.

We support staff with progressive HR practices, training, and the tools they need to help our members today and tomorrow. individualized training and development programs and incentive pay plan.

📌 Agricultural Loans Officer (Term 12-18 months) (Virden)
🏢 Sunrise Credit Union
📍 Virden