Why DUCA? 
At DUCA, we strive for excellence in everything we do. Our commitment to Do more, Be more, Achieve more is what sets us apart and drives our company culture. DUCA’s impact goes beyond our financial solutions - we're dedicated to making a real difference in the lives of our members and in our community.
We believe our employees are our most valuable resource! We are committed to providing you with the tools, support, and challenge you need to develop your career and achieve a healthy work-life balance while contributing to our outstanding culture. DUCA offers a strong total compensation package including competitive salaries and bonuses, employer-paid benefits, banking perks, wellness days, and much more.
Apply today and see what DUCA can do for you! 
Director, Commercial Leasing 

Job Purpose & Summary
Reporting to the VP, Commercial Banking, Construction, and Leasing, the Director, Commercial Leasing will be responsible for independently developing, securing, and closing profitable equipment lease financing transactions between $50K - $2MM within DUCA’s trading area.  In addition to developing a well-respected and identified in-market brand for DUCA for Commercial Leasing by soliciting and managing channels of business from Brokers and Vendorsthis position will also work closely with the Commercial Banking teams to provide existing Members value-added leasing solutions.
 
Key Accountabilities & Duties

Independently develop and maintain a profitable commercial leasing portfolio with individual transactions valued between $50K and $2MM; actively seek out and leverage vendor networks to achieve annual sales targets and portfolio objectives
In partnership with Commercial Credit, negotiate structure, terms, and pricing on Lease Agreements that contribute to business unit profitability and in keeping with DUCA’s Credit Risk Policies; develop and submit completed lease credit application packages for adjudication
Prepare and implement market management plans that address broker education and management, internal awareness within DUCA, and direct business solicitation
Solicit business opportunities from direct Member contacts, broker and vendor relationships, and credit union affiliations
Coordinate accurate lease document execution, vendor profiling, and equipment inspections as may be required upon receipt of credit approvals in conjunction with our Leasing service provider
Solicit participation of our Branch network; provide lease product information and facilitate equipment leasing workshops and training seminars
Provide deal specific expertise, coaching, and knowledge to credit union commercial lenders to help identify and develop equipment financing opportunities
Build organizational and product visibility at local and regional levels; represent DUCA at community, business networking, and trade association events; join key industry associations to promote DUCA’s in-market Leasing brand within our trading area while also gathering market information
Actively monitor the portfolio to ensure accounts are operating as authorized and take measures necessary to remedy non-performing assets to ensure internal metrics are met on a consistent basis
Work closely with all DUCA departments to facilitate open, candid lines of communication with effective processes in place to ensure AOP targets are met, and the Member experience is viewed as Best in Class within our trading area
Provide regular reporting relating to sales, training, and brand promotion activities
 
Occupational Experience & Education Requirements

Undergraduate degree in business, finance, or related area or equivalent work experience
Minimum of 3-5 years’ experience in Commercial Leasing in the GTA
Minimum of 3 years’ experience in business development and/or sales management
Experience with people leadership or mentoring a team an asset
 
Knowledge, Skills and Attributes

Seasoned professional with an entrepreneurial drive and a high level of business development, networking, and lead generation skills
Demonstrated commitment to customer service excellence with the ability to support quick turn-around times
Problem solving and issue resolution skills
Effective team player and ability to work well within a group setting
An effective relationship manager with strong negotiation and influencing skills
Strong commitment to building DUCA’s Commercial Leasing brand in the GTA and surrounding markets
High level of analytical, credit assessment, and underwriting skills
Balanced focus on profitability, portfolio growth, and asset quality
Strong interpersonal, partnership, and collaboration skills
Highly organized with the ability to multi-task and meet tight or conflicting priorities
Ability to manage complexity and the requirement to conform with regulatory, legal, and ethical rules and norms
Proficiency in MS Office Suite with strong knowledge of Excel
 
Working Conditions
Normal office environment (hybrid) with some travel and after-hours requirements to attend networking and business development events
 
Department: Commercial Banking 
Primary Location: Corporate Office (Hybrid)
Employment Status: Full-time 
Hours per Week: 38 
DUCA is committed to employment equity and encourages applications from all qualified candidates. Recruitment related accommodations will be provided upon request.
Qualified applicants are encouraged to submit their application. Applications must include a resume.
We thank all applicants but only those considered for an interview will be contacted.

Why DUCA? 
At DUCA, we strive for excellence in everything we do. Our commitment to Do more, Be more, Achieve more is what sets us apart and drives our company culture. DUCA’s impact goes beyond our financial solutions - we're dedicated to making a real difference in the lives of our members and in our community.
We believe our employees are our most valuable resource! We are committed to providing you with the tools, support, and challenge you need to develop your career and achieve a healthy work-life balance while contributing to our outstanding culture. DUCA offers a strong total compensation package including competitive salaries and bonuses, employer-paid benefits, banking perks, wellness days, and much more.
Apply today and see what DUCA can do for you! 
Accountant
Job Purpose & Summary
The Accountant is responsible for the integrity and completeness of accounting information through the recording, verification, and consolidation of transactions, and overseeing assigned accounting and financial activities of the credit union.
This role is also responsible for preparing journal entries and account reconciliations and supporting period-end close processes.
Key Accountabilities & Duties

Prepares bank and other GL account reconciliations including addressing outstanding aging transactions and ensuring all reconciliations are completed within policy timelines.
Prepares daily branch cash and ATM balancing. Investigates and remediates reconciling items by working with internal and external stakeholders.
Prepares and records asset, liability, equity, revenue, and expense entries by compiling and analyzing account information and external supporting documents.
Supports the month-end and year-end close processes.
Liaises with internal and external auditors as required and supports all audit related work as assigned.
Acts as a backup for processing vendor invoices and payments accurately and in a timely manner
Maintains the general ledger chart of accounts in both the financial accounting and core banking systems and updates all corresponding cross-reference tables.
Resolves invoice discrepancies by corresponding with internal business owners/vendors and responds to all related inquiries.
Reconciles processed work by verifying entries and comparing system reports to balances.
Acts as the first point of contact for vendor and internal client queries.
Maintains prepaid, accrual and fixed asset schedules including corresponding amortization schedule
Assists in preparing monthly management reporting packages and accompanying schedules, worksheets and narratives. Assists in providing follow-up and documentation of significant variances
Determines opportunities to streamline processes, eliminates unnecessary or redundant tasks, and improves governance and oversight.
Assists with initial internal control evaluations and provides recommendations to management on how to reduce/mitigate potential risk.
Develops and implements accounting procedures by documenting and analyzing current procedures and recommended changes.
Supports finance projects by ensuring business requirements are fully met and timelines are adhered to.
Complete other accounting related duties, as required.
Occupational Experience & Education Requirements

Degree in Accounting, Finance or Commerce.
3+ years of accounting related working experience.
Enrolment in CPA designation program considered an asset.
Knowledge, Skills & Attributes

Strong analytical and communication skills (written and oral).
Ability to multi-task with a high level of attention to detail and accuracy in a deadline driven environment.
Ability to manage an increased workload and demands during peak periods.
Strong computer skills including Microsoft Word and Excel.
Ability to establish and maintain effective working relationships with co-workers at all levels within the organization.
Strong problem-solving and investigative skills, and the ability to make sound recommendations.
Working Conditions

Normal office/hybrid environment with standard work week of 38 hours with additional time required to meet deadlines and project deliverables.
Department: Finance
Primary Location: Head Office - 5255 Yonge St, North York, ON M2N 5P8
Employment Status: Full-time 
Hours per Week: 38
Salary: The annual salary range for this position starts at $50,392. Actual annual base salaries will vary depending on relevant job-related factors such as experience, knowledge, skills, qualifications, and education/training. Depending on the position, DUCA’s total compensation package may include incentive compensation tied to company and individual performance or other benefits. 
DUCA is committed to employment equity and encourages applications from all qualified candidates. Recruitment related accommodations will be provided upon request.
Qualified applicants are encouraged to submit their application. Applications must include a resume.
We thank all applicants but only those considered for an interview will be contacted.

Why DUCA? 
At DUCA, we strive for excellence in everything we do. Our commitment to Do more, Be more, Achieve more is what sets us apart and drives our company culture. DUCA’s impact goes beyond our financial solutions - we're dedicated to making a real difference in the lives of our members and in our community.
We believe our employees are our most valuable resource! We are committed to providing you with the tools, support, and challenge you need to develop your career and achieve a healthy work-life balance while contributing to our outstanding culture. DUCA offers a strong total compensation package including competitive salaries and bonuses, employer-paid benefits, banking perks, wellness days, and much more.
Apply today and see what DUCA can do for you! 


Regulatory Compliance Quality Assurance Analyst
Job Purpose & Summary
The Quality Assurance (QA) program is a second-line function responsible for performing independent testing and monitoring activities of the regulatory compliance program to ensure DUCA Credit Union Financial Services Ltd. (DUCA) is compliant with applicable regulatory requirements (FATCA, CRS, Market Code of Conduct, Credit Union Act, AML, CASL, Privacy, etc.) on an enterprise-wide basis, including any subsidiaries. The Regulatory Compliance Quality Assurance Analyst (QA Analyst) executes consistent risk-based and cost-effective QA reviews to enhance the efficacy of Regulatory Compliance programs, assist with regulatory reporting practices and controls, as well as mitigate any deficiencies identified. This will include quality control checks and monitoring and control effectiveness testing of DUCA’s Regulatory Compliance programs, including but not limited to: AML, FATCA/CRS, Privacy, CASL, Whistleblower and Market Conduct Code.
 Key Accountabilities & Duties

Develop quality control and assurance policies, programs, templates, and procedures, including sampling methodology and annual QA plan.
Conduct regular QA reviews across all aspects of the Regulatory Compliance programs and issue clear and concise documentation of QA activities performed and drafting reports outlining the results of those activities.
Identify areas of risk and make recommendations on operational improvements, processes for compliance, quality assurance, and additional training essential to mitigate risk.
Assist in developing, implementing, and maintaining the Monitoring and Testing Program as well as the oversight processes to support the Regulatory Compliance program and reporting.
Conduct regular quality control checks to validate the effectiveness of the AML system and other regulatory compliance related systems/reports.
Ensure that findings raised within the Issue Management Framework are completed in a timely manner.
Assist with the implementation and maintenance of DUCA’s organizational regulatory compliance risk management software i.e. Resolver system.
Apply regulatory rules, policies, and sound judgement to respond to quality control and assurance related inquiries from business units and validate adherence to applicable regulatory requirements and internal policies through re-testing.
Remain current and knowledgeable of the governing legislations and regulatory requirements applicable to DUCA, as well as training and audit approaches.
Occupational Experience & Education Requirements

Undergraduate degree or equivalent.
Knowledge of relevant policies and best practices related to AML, FATCA/CRS, Privacy and CASL.
Professional certification(s) (i.e. CAMS, CIPP), an asset.
3-4 years experience in a compliance, audit, risk, or governance role, in a financial services organization.
Knowledge, Skills & Attributes

Experience and knowledge of compliance monitoring and testing methodologies for adherence to applicable regulatory requirements and internal policies.
Proficient in MS Office products, specifically Excel, Word, and PowerPoint.
High level of integrity with the ability to deal with confidential and sensitive Member and employee information with a high degree of professionalism.
Strong research and analytical skills to monitor and analyze regulatory requirements and relate them to business processes, regulatory risks, and compliance controls and to support a broad range of projects.
Ability to make decisions independently using sound judgment, work well under pressure and shifting priorities while meeting multiple or conflicting deadlines.
Meticulous attention to detail and very strong organizational and prioritization skills
Ability to interpret and operationalize regulatory requirements.
Excellent verbal and written communication skills with strong interpersonal skills to successfully interact, encourage, and influence at all organizational levels, including senior leadership teams.
Strong execution skills with attention to detail and focus on clear, realistic action steps and
Ability to handle multiple initiatives and prioritize work to meet deadlines and fulfill the demands of a rapidly changing environment. 
Working Environment
Normal office environment (Hybrid). Potential for extended hours given certain demands of the job and key deliverables and deadlines.
Department: Compliance 
Primary Location: Corporate Office (Hybrid) 
Employment Status: Full-time 
Hours per Week: 38
Salary: The annual salary range for this position starts at $62,158. Actual annual base salaries will vary depending on relevant job-related factors such as experience, knowledge, skills, qualifications, and education/training. Depending on the position, DUCA’s total compensation package may include incentive compensation tied to company and individual performance or other benefits. 
DUCA is committed to employment equity and encourages applications from all qualified candidates. Recruitment related accommodations will be provided upon request.
Qualified applicants are encouraged to submit their application. Applications must include a resume.
We thank all applicants but only those considered for an interview will be contacted.

WHO YOU ARE
A mortgage professional who thrives in an entrepreneurial setting. Self-motivation is second nature to you, in not only accomplishing but exceeding your goals. You put your Clients first, always going above and beyond, enabling them to secure their homes and their futures. You take pride in leveraging, developing and nurturing relationships with your Clients, colleagues and communities. Trust, integrity, and accountability are key pillars to your success and are highly valued by you.
WHO WE ARE
DUCA exists to help people Do more, Be more and Achieve more with their finances and their future. We’re driven by a co-operative philosophy, that puts our Members (and Owners) at the centre of every decision we make, gives them a voice in how we’re run, and rewards them for their loyalty by sharing our profits.
At DUCA, we’re dedicated to creating a positive environment where our employees have growth and development opportunities, a healthy work/life balance, opportunities to give back to the community, and a focus on doing what is right for our Members. DUCA offers a competitive total compensation package including a guaranteed base salary for the first 6-months of employment and then a 100% commission structure. It also includes a comprehensive benefits program, pension plan, and employee banking
Mobile Mortgage Specialist
We are looking for 2 new Mobile Mortgage Specialists in the greater Toronto area! 

What we offer to our Mobile Mortgage Specialist 

Competitive best in class commission compensation plan (75bps -100bps on closed/funded mortgages) * as of today, subject to change
Employer paid benefits
Dedicated underwriting team
Partner referral program that pays up to 25 bps on all funded deals
Fully digitized loan origination systems
Full support from highly engaged management and Senior Leadership teams
Job Purpose & Summary
The Mobile Mortgage Specialist utilizes consultative selling skills to originate residential mortgage and home equity loans from real estate agents, home builders, lawyers, accountants, financial planners and other centres of influence. The Mobile Mortgage Specialist plays a key role in helping new DUCA members achieve their goal of home ownership by providing an exceptional level of service and advice while executing against business plan objectives. 
Key Accountabilities & Duties

Proactively create opportunities to engage in client focused home financing conversations with the goal of bringing new Members to DUCA.
Prospect new and existing referral sources for residential mortgage leads using consultative selling techniques and by offering DUCA’s unique suite of products.
Meet with new Members at their convenience and submit relevant financial information and documentation to the credit adjudication team.
Monitor overall results and review progress against activities and sales goals.
Provide sounds credit recommendations and solutions catered to individual needs of new Members.
Participate in regular coaching sessions and monthly objectives setting.
Identify new member financial needs and cross sell opportunities and provide appropriate solutions.
Complete and process all work within guidelines and in accordance to compliance, audit, policies, and procedures
Occupational Experience & Education Requirements

Mortgage industry or financial services knowledge in a customer facing role.
Flexible to travel and work variable hours in a fast faced and competitive marketplace.
Results-driven individual and comfortable working independently.
A minimum of two years’ previous financial services experience preferred.
Knowledge, Skills & Attributes

Solid knowledge of residential mortgages and financial services in a sales/service capacity.
Well-developed communication and interpersonal skills including the ability to actively listen, connect and respond in a confident manner.
Comfortable meeting new people and presenting to a varied audience.
Ability to engage and connect with new prospects, referral sources and centers of influence.
Highly motivated and confident with strong prospecting and networking skills.
Highly developed customer and relationship management skills with ability to negotiate and influence.
Passionate about providing excellent Member service and helping others to achieve their goals
Strong business acumen and financial industry knowledge
Proven sales skills
Experience using Microsoft Office suite of products
Experience using Loan Originating System (LOS), or other related software considered an asset
Working Conditions
Frequent travel throughout designated region.
Department: Retail Sales
Primary Location: Various - Mobile
Employment Status: Full-time
Hours per Week: 38
DUCA is committed to employment equity and encourages applications from all qualified candidates. Recruitment related accommodations will be provided upon request.
Qualified applicants are encouraged to submit their application. Applications must include a resume. We thank all applicants but only those considered for an interview will be contacted.

Why DUCA? 
At DUCA, we strive for excellence in everything we do. Our commitment to Do more, Be more, Achieve more is what sets us apart and drives our company culture. DUCA’s impact goes beyond our financial solutions - we're dedicated to making a real difference in the lives of our members and in our community.
We believe our employees are our most valuable resource! We are committed to providing you with the tools, support, and challenge you need to develop your career and achieve a healthy work-life balance while contributing to our outstanding culture. DUCA offers a strong total compensation package including competitive salaries and bonuses, employer-paid benefits, banking perks, wellness days, and much more.
Apply today and see what DUCA can do for you! 
Senior Member Service Representative (Full-time, Travel)
DUCA is currently looking for a Senior Member Service Representative, Travel (SMSR) to join our dynamic West Region team! Travel to Mississauga, Etobicoke and Rexdale branches required. 
The ideal candidate for this role is passionate about delivering outstanding customer service and enjoys working with a team to achieve objectives! We are looking for driven, organized individuals who thrive on interacting with customers, and are committed to helping Members by identifying opportunities through communication and inquiry. SMSR’s are curious about what Members need and want to know what they can do to help Members do more, be more, and achieve more with their money and their lives.
Branch Hours

Mon to Wed: 9:30 am to 5:00 pm
Thur: 9:30 am to 7:00 pm
Fri: 9:30 am to 5:00 pm
Sat: 9:30 am to 1:00 pm
Job Purpose & Summary
The Senior Member Service Representative (SMSR) performs all the usual tasks of a Member Service Representative (MSR), providing a full range of financial services to DUCA Members, including deposits, withdrawals, and cheque cashing. In addition to the MSR responsibilities, the SMSR, under the supervision of branch management, is responsible for assisting the MSR’s with balancing, dealing with errors, and answering questions regarding products and procedures.
The SMSR promotes DUCA products and services to members and prospective members, maintains cash balances, lists and balances outgoing cheques and balances all transactions daily.
Key Accountabilities & Duties

Directs the work effort of MSRs, providing overrides while verifying transactions are correct, and offering general assistance as needed to help ensure work is completed correctly and according to guidelines and standards
Help train MSRs, helping them succeed in their role
Delight each Member by providing outstanding service (both at the front counter and by phone), answering inquiries, and always striving to increase Member satisfaction
Operates a cash on a daily basis, identifies and fulfills Members’ financial service needs, e.g. cashing and certifying cheques, processing bill payments, ordering cheques, buying/selling foreign currencies, and processing wires, RRSP and term deposit transactions, as well as assisting Members get a debit card
Promote DUCA’s full range of services by explaining benefits and features of DUCA solutions, open new Member accounts, and make quality referrals to an advisor through proactive probing
Make outbound awareness and service follow up calls to Members as well as proactive outbound calls to book advisor appointments
Assist the Branch Manager with completion of administrative duties and reports.
Performs cash management duties – ordering, verifying, and balancing
Remains current and up to date on DUCA products, services, operational, and risk policies and procedures
Participates in local market business development opportunities and community
Solves Member issues using standard procedures and knows when to escalate non-standard issues, if required
Participates in the counting of large cash deposits.
Occupational Experience & Education Requirements

High School Diploma or equivalent
2-3 years’ experience helping Members or customers in a financial services environment
Previous experience with sales is considered an asset
Cash handling experience
Proven customer service skills in the financial industry
Supervisory or team lead experience considered an asset
Knowledge, Skills & Attributes

Ability to effectively supervise
Conflict resolution and problem-solving skills
Good communication skills, both verbal and written
Keen attention to detail and emotional intelligence
Department: Retail Banking
Primary Location: Gateway Branch (4567 Dixie Road, Mississauga, ON, L4W 1S2), Erin Mills Branch ( 5100 Erin Mills Pkwy, Mississauga, ON L5M 4Z5), Etobicoke Branch (1451 Royal York Rd, Etobicoke, ON M9P 3B2), Rexdale Branch (6100 Finch Ave W, Toronto, ON M9V 0A1). 
Employment Status: Full-time
Hours per Week: 38
Salary: The annual salary range for this position starts at $44,818. Actual annual base salaries will vary depending on relevant job-related factors such as experience, knowledge, skills, qualifications, and education/training. Depending on the position, DUCA’s total compensation package may include incentive compensation tied to company and individual performance or other benefits. 
DUCA is committed to employment equity and encourages applications from all qualified candidates. Recruitment related accommodations will be provided upon request.
Qualified applicants are encouraged to submit their application. Applications must include a resume.
We thank all applicants but only those considered for an interview will be contacted.