Work place : Gatineau)
Desjardins Group is the largest cooperative financial group in Canada, and one of the largest employers in the country. It offers a full range of financial products and services and is home to a wealth of expertise in property and casualty insurance, life and health insurance, wealth management, services for businesses of all sizes, securities brokerage, asset management, venture capital, and secure, leading-edge virtual access methods.
Desjardins Business centres are business units created by groups of caisses operating in the same market, with specialized financial services teams serving business clients.
Desjardins Business Outaouais, located in Gatineau, serves over 2,000 active borrower members from 8 participating caisses.
The members’ main areas of activity include the service industry, construction, new economy (technology), forestry, food services, real estate and manufacturing.
The centre’s business volume is $2.9 billion, including a business financing portfolio of $2.1 billion. Its market stands out through its proximity to Canada’s capital and its strong business development potential.
The Business centre has 51 employees, including 6 executives, working in a non-unionized environment. It serves not only a highly-concentrated urban area, but an extensive territory with a diversified and multi-segmented clientele in the regions of Haute-Gatineau, Petite Nation and Pontiac.
The incumbent is responsible for prospecting, soliciting, developing and maintaining business relationships with a clientele composed primarily of very small organizations operating in the real estate sector with a view to promoting and selling products and services to achieve business growth for the centre.
He or she uses his / her technical business knowledge and solid grasp of applicable procedures, standards and guidelines to represent, negotiate and engage companies as part of agreements with limited impact on the business centre.
He or she also ensures consistency and balance between sales objectives, sound and prudent risk management, portfolio profitability and member, client and partner satisfaction.
Initiate, develop and maintain personalized business relationships with current and potential clients in order to promote and sell the products and services offered by Desjardins.
Act as an account manager by serving as a key intermediary between the business centre and members and clients. Ensure proper usage and updating of, as well as satisfaction with the products and services offered.
Analyze sources of dissatisfaction and recommend potential solutions.
Identify and analyze member and client needs, develop personalized solutions and prepare an integrated service offering.
Negotiate applicable conditions with members and clients.
Recommend strategies and solutions for achieving objectives by the business centre such as increased business volume, sound risk management, portfolio profitability and stronger business relationships.
Use intelligence to identify opportunities for business development that will increase the competitiveness of the products and services offered.
Execute various promotional activities as part of the centre's business operations. Participate in targeted public relations activities and participate actively in the business community.
Be attentive to client and member needs to ensure their full satisfaction, seize business opportunities and, as needed, refer them to the right person to meet their needs.
Adhere to all policies, practices and standards in effect, as well as the various laws governing the distribution of financial products and services.
Provide sound and prudent risk management for all portfolios under their responsibility.
Other working condition
Number of job available : 1
Bachelor's degree in a related field
Minimum of one year of relevant experience
Please note that other combinations of qualifications and relevant experience may be considered
For vacant positions available in Quebec, please note that knowledge of French is required
Strong communication skills in both French and English, both oral and written
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 real estate, rental and residential 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
Strong sales skills
Knowledge of service standards
Understanding of cooperative and cooperative network values, rules and operations
Timely decision making
Desjardins Cross-sector skills
Accountability, Collaborates, Customer Focus, Innovation
Key competencies for the job
Communicates effectively, Drive results, Interpersonal Savvy
880, boulevard de la Carrière Bureau 100 Gatineau
Member / client sales and service (FG)