Careers

Join Our Team as a Business Account Manager!

About the Role:

The Business Account Manager II plays an integral role on the Osoyoos Credit Union (OCU) business lending team and provides management over a diversified portfolio of commercial member accounts and relationships. Incumbents for this position will have a positive and adaptable approach with strong relationship building and leadership skills that leads to successful and effective relationships both within the organization and externally with members. The BAM II is expected to possess requisite expertise for all types of commercial lending activities, as well as knowledge of products and services, legislation, regulations, current policies, and procedures.

What You’ll Be Doing:

Portfolio Management & Growth:
Creating value; growing member relationships; learning and development

• Exhibit strong business acumen with the ability to build a comprehensive financial package structured to meet the member’s needs,

• Manage and grow a credit portfolio, within set limits and an acceptable level of risk, by completing credit reviews, authorizing, renewing, or declining member requests,

• Ability to analyze member’s business needs, including evaluating loan applications and ensuring profitability and acceptable risk of the relationship, while providing appropriate documentation preparation and processing, as well as analyzing commercial financial statements, operating cycles of businesses, fluctuating profit levels, factors affecting cash flow, business plans, economic conditions and other commercial variables affecting loan viability,

• Evaluate security, calculate loan to value of security position and ensure documentation relative to risk, legislation, and regulations is compliant,

• Conduct credit investigations, security inspections and searches as required,

• Understand complex financial needs of members and provide global solutions,

• Grant commercial mortgages, operating lines of credit, overdrafts, and business loans within the guidelines of commercial lending procedures and the Investment and Lending Policy; presenting loans over lending limits to the President & CEO, Management Committee and/or Board Committees,

• Identify any deteriorating and/or unsatisfactory trends and monitor delinquent accounts, analyze status, and initiate action to collect delinquent loans, while evaluating risk in commercial loan portfolio and assigning risk ratings to all files,

• Ability to build both internal and external networks to encourage referrals, share best practices, and enhance product knowledge as well as capitalize on business opportunities,

• Proactively contact members annually in conjunction with their periodic reviews to identify present and future needs for additional opportunities,

• Keep apprised of changing rules and regulations pertaining to relevant requirements, as well as keeping a current knowledge of all OCU lending, and deposit products and services.

Member & Community Experience:
Building member loyalty; staying informed; building community connections

• Understand and demonstrate commitment to our enterprise-wide Vision, Mission and Values,

• Build member loyalty and trust by exercising sound judgement and thoughtful consideration in delivering exceptional member experience,

• Deliver exceptional member experiences for both new and existing members

• Enhance own profile and professional image in the community by participating in community events, associations and/or partnerships, and act as an OCU representative at certain events.

Employee Experience:
Engagement; teamwork; leadership; learning; commitment; accountability

• Maintain and expand technical knowledge of financial products, systems, and services,

• Promote teamwork and cooperation, and participate in team meetings,

• Support staff and encourage collaboration to accomplish common goals,

• Recommend team improvements/ opportunities which include changes to lending guideline, processes, industry opportunities and risk improvements,

• Special projects as assigned,

• Recognize and celebrate team successes; encourage teamwork and collaboration.

Risk Management:
Member confidence; risk/loss mitigation

• Ensure all documentation pertaining to investments and accounts is prepared and/or executed in accordance with established policies, procedures, and relevant legislation,

• Demonstrate a high level of risk management knowledge and ensure adherence to all legislative and regulatory requirements,

• Maintain up to date and complete Client files with documentation in hardcopy and/or electronic form as required,

• Electronic files are maintained utilizing approved contact management software, approved Client relationship management software and any other required and approved software,

• Display confidence and exercise sound judgement in decision making,

• Take necessary action on issues or concerns arising from internal / external reviews and audits.

Skills & Attributes

• Passion for delivering exceptional member/client service and dedicated to building strong relationships and connections in the community,

• Committed to professional growth and development. Responsible for ensuring skills and knowledge are up to date to meet industry and position requirements,

• Instill confidence and trust of others through thoughtful, clear, and open communication,

• Possess strong accounting principles knowledge / financial analysis skills to better assess and understand the needs of the member; including budget design and control, asset liability management, risk analysis, bookkeeping, accounts payable and receivable, loan structuring, liquidity management and financial reporting,

• Demonstrate strong interpersonal skills and the ability to communicate effectively both verbally and in writing,

• Ability to quickly adapt to changing priorities and a willingness to tackle new challenges,

• Displays strong awareness of policies, procedures and practices as they relate to a commercial lending environment to ensure requirements are met and improved as identified,

• Demonstrates strong attention to detail and accuracy in completing work and providing information,

• Take a proactive and respectful approach in addressing problems, issues or conflict with a positive view to reaching new and better solutions,

• Commitment to lifelong learning,

• Organizes work and assignment of tasks to maximize efficiency, clearly communicates expectations, roles, and responsibilities,

• Demonstrates a good knowledge of computer skills, including MS Windows and Office program environments, as well as the banking system,

• Advanced knowledge of Credit Union Commercial lending products and services,

• Understanding and confidence to deal with lending, deposit, and insurance products.

Education and Experience:

• Extensive tenured commercial lending experience
• Secondary school diploma
• Minimum one-year post-secondary formal education, or equivalent
• Business Administration Diploma in Accounting; completion of relevant CUIC courses
• Maintain proficiency with developing systems, applications, and productivity programs
• Combined experience and post-secondary education in areas directly related to the industry will be considered.

Why You’ll Love Working Here:

• Competitive salary; reviewed annually. The salary range for this position is $58,300 – $80,900.
• Incentive bonus plan
• Extended health care and dental coverage
• Paid vacation days
• RRSP with employer contributions
• Special banking perks – including preferred rates on loans and mortgages, deposits, and no-fee banking
• Positive team environment where work/life balance is supported and encouraged.

Why OCU?

• We’re dedicated to providing exceptional service and fostering a welcoming environment.
• Our core values—community, professionalism, accountability, and independence—guide everything we do.
• We encourage initiative and innovation, and we value your contributions.

If you’re passionate about helping others and ready to take your career to the next level, we’d love to hear from you! Join us at Osoyoos Credit Union and be a part of a team that’s making a difference.

Apply Today!

This is a full-time position.

Submit your cover letter and resume to Ted Morrison, VP, Commercial Banking Services: tmorrison@ocubc.com

Please include “Business Account Manager” in the subject line.