Improve lives and strengthen communities by living our vision to be your truly local financial partner of choice, committed to inclusive and authentic relationships. Ensure that the member and employee experience is personal and simple.  Be accountable by taking ownership for success while ensuring inclusivity, social responsibility and cooperative principles.  Share your passion, including delivering personal service by listening, guiding, nurturing and caring.  Demonstrate integrity by developing trusting relationships and maintaining the highest ethical standards.  Build mutual respect through honest and authentic relationships. Focus on knowledge with a commitment to continuous learning.  Be a proud ambassador of PenFinancial Credit Union including promoting and delivering on the goal of our Truly Local Commitment (TLC) to live our values-based banking philosophy by transforming banking to improve lives and strengthen communities.

• Credit Underwriting
• Understand each unique member and their needs through direct & indirect conversations.
• Collect and analyze pertinent information relating to finance requests including but not limited to financial statements, appraisals, contracts, budgets, etc.
• Write commercial credit applications and include logical and data driven recommendations.
• Ensure that credit applications conform to PenFinancial’s policies & procedures and that any risks are adequately identified and mitigated.
• Ensure Department underwriting standards are maintained at the highest standard including detailed and timely financial analysis; review of all security pledged including annual site visits and appraisal critiques; industry analysis; and appropriate assessment of management.

Credit Reviews

• Manage all aspects of the credit review process, including the collection of annual reporting requirements, completing Annual Review applications and tracking expiries & deficiencies.
• Write commercial annual reviews and include logical and data driven recommendations.
• Prepare & send any correspondence as may be required as a result of the annual review process.

Business Memberships

• Assist with onboarding new business relationships by understanding the member and structuring/recommending the appropriate products and services to meet their needs.
• Collect all required information to complete the applicable forms to open new accounts in accordance with PenFinancial policies and procedures.
• Support with business development.

General

• Provide excellent member service at every opportunity.
• Research and recommend the development of competitive products and services.
• Monitor the broader business environment and economy within our service area and make recommendations for PenFinancial’s commercial strategy as appropriate.
• Seek to strengthen business relationships with members, prospects, and key centers of influence through regular site visits, attendance of community events, and other methods of contact.
• Perform any other duties as assigned.

• University Degree preferably in a business-related program
• Knowledge of financial accounting is an asset
• Financial services experience is an asset
• Displays exceptional interpersonal skills by demonstrating approachability, trustworthiness, flexibility and a strong work and service ethic
• Demonstrates results orientation in both sales and service
• Uses technology to enhance productivity
• Committed to continuous personal improvement and continuous learning

All your information will be kept confidential according to EEO guidelines.

PenFinancial Credit Union welcomes and encourages applications from people with disabilities. Accommodations are available on request for candidates taking part in all aspects of the selection process.