Commercial Account Manager – Small and Medium Enterprise

Assiniboine Credit Union•Winnipeg, MB

4h•Onsite

About The Position

The Commercial/Agribusiness Account Manager (CAM/AAM) is at the forefront of driving results and managing risks for a designated portfolio of business members and prospects. Reporting to the Manager, BFC/AFC, you will proactively identify and pursue new business opportunities, referring them to the appropriate specialists within the credit union. Collaborating closely with your team and the Manager, you will ensure that goals are met and members receive exceptional service that exceeds their expectations. This role supports Assiniboine Credit Union/ Caisse Assiniboine (ACU)’s commitment to rural and agricultural communities, francophone services, values-based banking and ACU’s triple bottom line accountability to people, planet, and prosperity.

Requirements

Expertise in advice and member service, with a focus on relationship management.
Advanced knowledge of commercial credit, accounting, budgeting, and financial management.
Demonstrate professional excellence and strong negotiation skills.
Strong financial, analytical, and complex credit acumen.
Working understanding of commercial law.
Extensive knowledge of ACU's business products, policies, and procedures, particularly commercial loan and deposit product knowledge.
Working knowledge of credit union technology and computer applications.
Understanding of credit union operations, philosophies, principles, legislation, regulations, policies, and procedures.
Commitment to values-based banking and triple bottom line accountability.
Proficient in English, with French being a valuable asset, and proficiency in other languages is also advantageous.

Nice To Haves

French being a valuable asset
proficiency in other languages is also advantageous

Responsibilities

Achieve Sales Targets: Meet personal business targets and track/report on sales goals and results. Play a key role in developing strategies to facilitate goal attainment.
Business Development: Proactively identify new sources of business and develop, retain, and grow relationships by ensuring member needs are met and the relationship contributes positively to the credit union.
Promote and provide advice: Promote, provide advice, and negotiate business-banking services that meet the needs of potential and existing members, ensuring compliance with relevant legislation, regulations, policies, and procedures.
Financial Advice: Provide financial advice relative to business banking, applying knowledge of the member's financial condition and market information to effectively position ACU's products and services.
Quality Member Service: Interpret and understand operating processes, procedures, lending policies, and security requirements to ensure quality and seamless delivery of sales and service to members.
Credit Evaluation and Analysis: Evaluate, write and approve commercial lending products within approved lending limits including the careful analysis of financial statement credit history, business plans and market conditions to ensure sound decision making.
Risk Management: Monitor and manage risks within the portfolio to ensure compliance with credit union policies and procedures. Identify and address potential issues, recommend appropriate actions, and maintain a thorough understanding of lending policies and security requirements to support sound decision-making.
Industry Knowledge: Maintain current and relevant knowledge of industry trends, competitor products and strategies, as well as the members' industries and local/national events impacting members' affairs.
Community Engagement: Act as a representative for the Credit Union and the Business Financial Centre by being visible in the community and supporting community groups and initiatives.
Values Based Banking: Understand, respect, and support ACU's commitment to values based banking, workplace diversity, and respectful workplace initiatives.