Small Business Specialist


The Small Business Specialist is responsible for building and maintaining a portfolio of small business member relationships including but not limited to small to medium sized business accounts.  The incumbent delivers a broad range of commercial business services and initiates and/or participates in business development activities to enhance the portfolio by consolidation and retention of existing business and by obtaining new business from potential members. The Small business specialist ensures the completion of reviews on portfolio accounts including property site visits as required.

DUTIES & RESPONSIBILITIES:                                                            

  • Contribute to and implement action plans and business development tactics based on established sales strategies
  • Drive business sales volume, and business solutions, through opportunity spotting while building a holistic member relationship to enhance revenue opportunities
  • Generate referrals and sales results while ensuring superior member care
  • Visit members on-site to gain a thorough understanding of their business objectives and operations, as permitted
  • Proactively participate in various external activities such as community events to enhance YNCU's positive image in the marketplaces
  • Respond to all business opportunities in a timely manner and effectively manage any member concerns or issues
  • Collect and compile information and analyze financial statements to assess credit worthiness
  • Provide sound credit approvals within lending limits while balancing the needs of the member and YNCU
  • Make recommendations for approvals/declines to next level management if outside discretionary limits
  • Responsible for quality of business generated and achieving expected revenue and growth targets
  • Ensure all assigned files are reviewed on a regular schedule and that all required documentation is in order; review loan risk and make short and long term recommendations on files posing potential risk problems
  • Review commercial overdraft reports and take appropriate action where required
  • Develop and maintain a strong business relationship with members within assigned portfolio
  • Contribute to strong business development with referrals to business partners including but not limited to Credential, CUMIS, Central 1 and third party vendors including but not limited to Collabria and POS Merchant Services
  • Administer a portfolio of business accounts typically with connected business exposures of under $750,000
  • Work closely with branch staff to support existing and new commercial and agriculture member relationships by acting as a key advisor
  • Establish and maintain professional relationships and effective communication with realtors, brokers, builders and new members in order to develop commercial lending referral opportunities from this business referral network and other referrals including but not limited to merchant services, deposits, insurances and wealth management opportunities
  • Provide excellent client service to internal and external parties
  • Be aware of enterprise risk management issues as they relate to Lending Services and bring forward strategic and risk issues for discussion, review and solutions to the Manager, Small Business Commercial Services.
  • Stay current with general economic indicators and industry sector trends
  • Maintain a thorough knowledge of policies and procedures as they pertain to the operations of Lending Services
  • Abide by YNCU policies, procedures, standards, guidelines and practice
  • Work safely in accordance with YNCU’s Health & Safety Policy, procedures and the Occupational Health and Safety Act as amended from time to time
  • Other duties as assigned


  • Post secondary diploma, degree and/or certification in Business Administration, Economics, Finance, Commerce, Marketing, Accounting or a related program, or an equivalent combination of education and experience
  • Ability to understand and analyze financial statements
  • 2-3 years of sales and service experience within the financial services industry and a general knowledge of available products & services
  • Ability to work outside of normal business hours when required
  • Must have a valid Ontario driver's licence and reliable available vehicle
  • Must be bondable


  • Computer literacy including a working knowledge of, but not limited to, Windows and Excel
  • Self-motivated and resourceful
  • Strong planning, organizational and time management skills
  • Excellent interpersonal and communication skills
  • Effective networking ability and proven relationship management skills
  • Proven strong sales abilities and negotiating skills with a focus on results
  • Superior customer service ability
  • Demonstrated analytical skills
  • Ability to effectively problem solve
  • Ability to build relationships within department and across YNCU
  • Ability to work well independently and as a team member
  • Ability to embrace and manage change
  • Ability to maintain confidentiality of sensitive and proprietary information

Your Neighbourhood Credit Union will provide accommodations for persons with disabilities, where needed, to support their participation in our recruitment process. Please contact Human Resources at 519-804-9190 ext. 651 or


Find Branch/ATM

Enter address, postal code or branch name