Lending Officer (Member Experience Officer)

Valley Credit Union, Nova Scotia, is a full-service financial institution with 7 branch locations, 62 employees, and over $300 Million in assets.

Located in Nova Scotia, within the Beautiful Annapolis Valley.

At Valley Credit Union (Valley CU), you make a real impact on the community every day. Join a team dedicated to exceptional service, doing the right thing, and exceeding member expectations.

Be part of something meaningful!

Reporting to the Branch Experience Leader, the candidate will be responsible for providing superior member service, evaluating authorizing, and recommending approval of members applications for all consumer credit products. They will identify members investment opportunities including the licensing and sale of a full array of mutual funds and selling various deposit products that meet members needs.

Key Responsibilities (the position):

· Conduct in-person and/or virtual interviews with applicants to obtain personal and financial data to determine lending and/or investment needs.

· Analyze applicant financial status, credit, and property evaluation to determine feasibility of granting loan. Approve or decline loan within approved lending limits prefer to the next higher approving position level with recommendations.

· Compile loan packages and negotiate loan structure with applicants, including rates, terms, and repayment options.

· Prepare documentation for loan renewals, loan payment extensions and substitution of loan securities.

· Manage and grow a small mutual fund investment portfolio; evaluate each situation to provide appropriate advice, and products to meet member needs

· Provide individual financial counselling and information to members on loans and deposit products, and other services available through the Credit Union. Make referrals to those requiring financial planning advice.

· Analyse current local market and potential trends to plan and develop relationship building activities and educate members on Credit Union product and services offerings.

· Monitor account overdraft activity to ensure accounts operate within limits and ensure appropriate action is taken to minimize losses to the Credit Union.

· Ensure adherence to Credit Union policies and procedures as well as legislative requirements.

· Participate in community events.

· Complete reports and other duties as assigned.

Successful Candidate will possess the following qualifications:

Successfully completed a certificate or diploma in Business Administration and have 3-5 years of experience in credit and in a financial institution; or an equivalent combination of training and experience in credit.

Will have three to five years experience in credit and collections in a financial institution; or an equivalent combination of behaviours, training and experience and a desire to learn

Exceptional communication and relationship building skills with the proven ability to exercise sound judgement and discretion.

We're so excited to get to know you!

Comprehensive Benefits:

Enjoy peace of mind with our employer’s health and dental plan coverage, designed to keep you and your family healthy.

Retirement Savings:

Secure your future with our Registered Pension Plan, featuring a generous employer match of up to 6%.

Employee Perks:

Enjoy no service fees and exclusively reduced rates on employee loans and mortgages for a more affordable financial journey.

People Helping People:

Empowering employees to make a meaningful impact at work through a strong commitment to community and member services.

If you are interested in joining a Team that believes in going the extra mile, please submit your cover letter and resume outlining your qualifications to, Human Resources.

Quoting Job Number: VCU-MEO-01-2026

All offers of employment are condition upon the acceptance of an Individual Fidelity Bond Application, which includes a criminal records and credit checks.

Valley Credit Union is an equal opportunity employer, who embraces diversity, all persons are encouraged to apply.

Applications will be accepted until the position is filled, only those selected for an interview will be contacted.

Pay: $51,000.00-$64,000.00 per year

Benefits:

• Company events
• Company pension
• Dental care
• Disability insurance
• Employee assistance program
• Extended health care
• Life insurance
• Mileage reimbursement
• On-site parking
• Paid time off
• Store discount
• Tuition reimbursement
• Vision care
• Wellness program

Ability to commute/relocate:

• New Minas, NS B4N 3G1: reliably commute or plan to relocate before starting work (required)

Education:

• Bachelor's Degree (preferred)

Experience:

• Financial analysis: 3 years (required)

Location:

• New Minas, NS B4N 3G1 (preferred)

Work Location: In person