Desjardins Account Manager serving small commercial organizations. Developing client relationships, selling financial products, and managing credit risk and portfolio profitability.
Responsibilities
Prospect, solicit, develop and maintain business relationships with primarily small commercial-sector organizations
Promote and sell Desjardins products and services to grow the business centre’s business
Serve as a key intermediary between the business centre and members and clients
Ensure proper usage, updating and satisfaction with products and services; analyze dissatisfaction and recommend solutions
Identify and analyze needs, develop personalized solutions, prepare integrated service offerings and negotiate conditions
Recommend strategies for increased business volume, sound risk management, portfolio profitability and stronger business relationships
Identify business-development opportunities to increase product and service competitiveness
Execute promotional activities and participate in targeted public relations and business-community activities
Address client and member needs, seize business opportunities and make referrals as needed
Comply with policies, practices, standards and applicable laws governing financial product and service distribution
Provide sound and prudent risk management for assigned portfolios
Requirements
Bachelor's degree in a related field
A minimum of two years of relevant experience
Other combinations of qualifications and relevant experience may be considered
Knowledge of French is required
Knowledge of the latest financial, economic, policy and legislative developments
Ability to perform analyses of the market and the business centre external environment
Ability to perform financial analysis
Knowledge of the characteristics and credit risk inherent to the major commercial, industrial and institutional markets
Knowledge of loan and guarantee contracts
Knowledge of products and services for businesses and those offered by caisses, components and Desjardins distribution networks and those of the competition
Knowledge of financing and credit management practices related to businesses
Knowledge of policies, legislation and standards governing the products and services offered by the business centre
Knowledge of business credit authorization, monitoring, collection and recovery practices
Knowledge of the Desjardins business processes
Understanding of the referral process
Familiarity with government business assistance programs
Networking skills
Strong sales skills
Knowledge of service standards
Understanding of cooperative and cooperative network values, rules and operations
Must be fluent in English
Benefits
Competitive salary and annual bonus
4 weeks of flexible vacation starting in the first year
Defined benefit pension plan that provides predictable, stable income throughout retirement
Group insurance including telemedicine
Reimbursement of health and wellness expenses and telework equipment
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