Personal Banking Advisor

Alterna Savings - Ottawa, ON (il y a 30+ jours)

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Scope of Position

The Personal Banking Advisor (PBA) is responsible for managing and building an assigned book of business made up primarily of members with identified multifaceted needs. The PBA ensures that all of the member's financial needs are being met by the most appropriate resource within Alterna, and has overall responsibility/accountability for the relationship. Through proactive relationship management, the PBA retains and grows the book by increasing the share of member business by using all of Alterna’s products and services including both credit and investment solutions.

Key Responsibilities

Manages an assigned portfolio of members using financial planning concepts, advisory and relationship tools to meet all members' complex credit/investment needs
Establishes regularly scheduled contacts with members/clients to establish relationships that will identify members' needs
Keeps files on member relationships that include member's financial goals and PBA plan of action to assist the member/client in meeting those goals
Is the branch liaison with Wealth Management and Small and Medium Enterprise (SME) representatives/team
Manages assigned member portfolio jointly with other specialists in Alterna i.e. Wealth Management and/or SME
Provides financial advice using some financial planning tools (e.g. cash-flow and credit management)
Acts as a mentor for less experienced staff under the guidance of the Branch Manager
Acts as the branch centre of expertise on the use of financial calculators, complex credit and managed portfolio solutions
Maintains strong relationships with alliance partners
Deals with referrals when deemed necessary based on the complexity of the members/clients requests

Expectations / Outcomes

High member satisfaction among assigned book of business as measured by retention statistics, new sales growth goals, referrals to wealth advisors and transfer of High Value accounts to Investment Advisors.
Increase in portfolio value
Increase in member profitability
Referrals to IA for complex investment portfolios and SME for complex Small and Medium enterprise needs
Identify and duly note any exceptions to policy and procedures when recommending approval for credit

Branch and other departments staff
Internal and External partners
Centers of Influence (lawyers, Real estate Agents, Accountants) etc.
Branch Management
Mutual Fund Manager
Mutual fund reps and IA’s


Education / Certification / Experience

Post secondary education combined with 5 years related experience in a financial institution or an equivalent combination of education and experience
A minimum 3 years credit experience including analysis and knowledge of underwriting
CSC or IFIC course completed with ability to be licensed immediately
CFP or PFP designation or currently in progress
At a minimum 2 years of financial advisory experience and demonstrated relationship building experience
Proven track record in sales

Knowledge / Skills

Bilingualism - fluency in English and French is highly preferred
Extensive knowledge of processing/procedures of complex products including deposits, investments, loans and mortgages
Sound knowledge of various computer applications including Excel, Word etc
Very detailed knowledge and ability to demonstrate sales management techniques
Developed writing skills sufficient to communicate detailed factual information to members and various department or partners
Sound lending judgment
Excellent problem solving skills to systematically identify analyze and resolve complex member issues/problems
Excellent interpersonal and communications skills


Member/Client Centricity-Evaluates and adapts service delivery to promote excellence
Continuous Learning & Agility-Seeks to improve and maintain personal effectiveness in high demand situations
Teamwork-Fosters teamwork
Achievement Orientation-Continually improves personal performance
Adaptability-Adapts to large, complex and/or frequent changes
Decision Making & Problem Solving-Makes complex decisions in the absence of policies and guidelines
Impact & Influence-Influences through linking with other initiatives
Initiative-Addresses opportunities to enhance and advance organizational goals
Sales Process-Creates and fosters Alterna’s sales culture
Professional/Technical Expertise-Demonstrates expert knowledge as relates to the job’s role

About the Alterna Financial Group

Alterna Savings and Credit Union Limited (Alterna) has been the Good in Banking for 111 years!

Alterna has grown from its humble beginnings to be the second largest credit union in Ontario, and one of the Top 10 in Canada, with over $8 billion in assets under management and more than 167,000 members and a network of 35 branches across Ontario. The impressive growth throughout the years stems not only from merging with other credit unions, but also from significantly gaining new retail, business and not-for-profit members as people recognize Alterna’s philosophy of putting members first.

Known for its fast-paced environment, Alterna is viewed as a trailblazer in the industry. Led by a CEO with a passion for innovation, Alterna was the first credit union to introduce a digital bank and the first to offer a fully digital end-to-end mortgage through its wholly-owned subsidiary, Alterna Bank.

Alterna is proud of its long history of helping communities thrive. It shared its success in 2018 by donating more than $1 million to the community and, in partnership with employees, contributed 11,300 volunteer hours. Its flagship Community Micro Finance Program also helps underrepresented groups. Since inception, the program has disbursed more than $5 million in impact loans and helped change the lives of more than 1,000 participants and their families.

Alterna is also extremely proud of its corporate culture. With a workforce of more than 600 employees, Alterna is honoured to be recipient of prestigious employer awards, including the National Capital Region’s Top Employers and Aon’s Best Employers (Platinum level) awards.

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  • At Alterna, we offer a competitive total rewards program and an opportunity to truly make a difference. If you put people first and value excellence and integrity, we hope you'll apply!
  • Although we appreciate all applicants, preference will be given to candidates who most closely meet the qualifications, key skills and competencies outlined above.
  • Alterna is compliant with the Ontarians with Disabilities Act. If you have a disability, please contact the recruiter to let us know how we can accommodate you.