Why DUCA? 
We’re a vibrant, exciting credit union that lives its "profits with a purpose" philosophy in every financial transaction, product, interest rate, and community initiative we offer. Founded in 1954, DUCA has grown from a single branch credit union in Toronto to 19 branches across Southern Ontario with over 85,000 Members we are proud to serve.  
We exist to help People, Businesses and Communities Do More, Be More, and Achieve More™. 
DUCA (www.duca.com) is distinguished for the following: 

Positive, un-big bank like service experience delivered through Member-facing staff in branch, on the phone (Member-Connect) and via our Mobile mortgage specialists, Wealth Management advisors and Commercial and Business Banking Account Managers. 
Competitive rates.
Personalized financial solutions, guidance, and service with the lowest possible fees for both Personal and Business Members.
Profit sharing among Members.
Multiple ways to bank—online, mobile app, phone/full-service Member Connect Contact Centre, and, of course, in-branch—DUCA is accessible 24/7 
A community philosophy of “profits with a purpose” culminating in the creation of the DUCA Impact Lab (www.ducaimpactlab.com), a charitable foundation committed to helping the credit challenged and underbanked.  This led to DUCA's designation as a B-Corp certified organization, the first ever credit union to receive this global recognition.
A career with DUCA means you’ll find endless opportunities to make a difference with your unique abilities and perspectives. Our people live their purpose while helping others Do more, Be more and Achieve more with their money and their lives.  At DUCA, you’ll be part of a vibrant and collaborative team where you’ll be supported to excel and make an impact, no matter what role you play. 
Member Service Representative (Part-Time)
DUCA is currently looking for a part-time Member Service Representative to join our dynamic Burlington branch (Saturday availability required).
The Member Service Representative is passionate about delivering outstanding service to customers, known as Members. We are looking for driven, organized individuals who thrive on interacting with Members, and are committed to helping identify opportunities through communication and inquiry. MSR’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 Member Service Representative (MSR) is passionate about delivering outstanding service to customers, known as Members. We are looking for driven, organized individuals who thrive on interacting with Members, and are committed to helping identify opportunities through communication and inquiry. MSR’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.
The MSR provides outstanding Member experience and service that is accurate, timely, and efficient. As a team player, the MSR thrives in an environment where partnering to deliver stellar solutions is top of mind. This role is ideal for someone who loves to juggle multiple priorities, and above all, is passionate about representing DUCA on the front line with a smile; greeting members when they arrive and ensuring every Member feels welcomed and recognized.
MSR’s help uncover opportunities where DUCA can better help existing and potential Members, with our fantastic array of banking solutions and services. Once they identify the opportunity, the MSR figures out who can best help the Member whether it be themselves or a DUCA advisor (Financial Services Officer). The MSR will always follow up to ensure the Member was taken care of.
As for the day-to-day responsibilities, the MSR will maintain cash balances, list and balance outgoing cheques, and balance all daily transactions. The MSR will ensure they are aware of, and adhere to, operating procedures and policies to safeguard the assets of the organization and the member.  Assists Branch to achieve Branch growth, targets, satisfactory compliance/audit
Key Accountabilities & Duties

Delight each Member by providing outstanding service (both at the front counter and by phone), answering inquiries, and always striving to increase Member satisfaction
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
Handle Member requests for deposits, withdrawals, transfers, and other routine transactions
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
Having up front dialogue with members to uncover financial needs with a talent for “opportunity spotting”
Solves Member issues using standard procedures and knows when to escalate non-standard issues, if
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 involvement.
Assists with counting large cash deposits.
Completes general office duties, processing and administration as required 
 Occupational Experience & Education Requirements

High School Diploma or equivalent (Undergraduate degree or equivalent preferred)
Experience working with and handling cash
Strong knowledge of computer systems
Two years’ experience helping Members or customers in either a bank or credit union environment, preferred
Previous experience with sales is considered an asset
 Knowledge, Skills & Attributes

You have a desire to learn and grow
Passion for working directly with Members and customers, finding ways to surprise and delight
Committed team player, demonstrating your enthusiasm for your job and Member every day
Multi-tasker who can organize and prioritize other work while putting the Member first
Excellent interpersonal and communication skills, both verbal and written
Strong attention to detail with ability to make decisions and provide friendly and personable service
Strong administration, organizational, planning and time management skills
Department: Retail Banking
Primary Location: Burlington Branch - 2017 Mount Forest Drive (in the Mount Royal Plaza),Burlington, Ontario , L7P 1H4
Employment Status: Part-Time
Hours per Week: 15-20
Salary: The hourly range for this position is $20.56 to $25.70. Actual hourly rates will vary depending on relevant job-related factors such as experience, knowledge, skills, qualifications, and education/training.This position may be eligible for discretionary bonuses.
Number of Existing Vacancies: 1
DUCA is committed to employment equity and encourages applications from all qualified candidates. Recruitment related accommodations will be provided upon request.
Our hiring process includes AI screening for keywords and minimum qualifications. Talent Acquisition Partners review all results.
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? 
We’re a vibrant, exciting credit union that lives its "profits with a purpose" philosophy in every financial transaction, product, interest rate, and community initiative we offer. Founded in 1954, DUCA has grown from a single branch credit union in Toronto to 19 branches across Southern Ontario with over 85,000 Members we are proud to serve.  
We exist to help People, Businesses and Communities Do More, Be More, and Achieve More™. 
DUCA (www.duca.com) is distinguished for the following: 

Positive, un-big bank like service experience delivered through Member-facing staff in branch, on the phone (Member-Connect) and via our Mobile mortgage specialists, Wealth Management advisors and Commercial and Business Banking Account Managers. 
Competitive rates.
Personalized financial solutions, guidance, and service with the lowest possible fees for both Personal and Business Members.
Profit sharing among Members.
Multiple ways to bank—online, mobile app, phone/full-service Member Connect Contact Centre, and, of course, in-branch—DUCA is accessible 24/7 
A community philosophy of “profits with a purpose” culminating in the creation of the DUCA Impact Lab (www.ducaimpactlab.com), a charitable foundation committed to helping the credit challenged and underbanked.  This led to DUCA's designation as a B-Corp certified organization, the first ever credit union to receive this global recognition.
A career with DUCA means you’ll find endless opportunities to make a difference with your unique abilities and perspectives. Our people live their purpose while helping others Do more, Be more and Achieve more with their money and their lives.  At DUCA, you’ll be part of a vibrant and collaborative team where you’ll be supported to excel and make an impact, no matter what role you play. 
Member Connect Representative (Part-Time)
DUCA is looking for a part-time Member Connect Representatives to join our growing team! This is a great opportunity for candidates who enjoy working in a client services role, in a collaborative office environment. This role will be located on-site at our office in North York, Ontario. (Saturday availability required)
Call Centre Hours
Mon to Fri: 8am to 8pm
Sat: 9am to 5pm 
Job Purpose & Summary
The Member Connect Representative in our Member Connect Centre (Contact Centre) is the first point of contact at DUCA for many Members and potential Members. The Member Connect Representative will provide an exceptional Member experience on inbound and outbound calls, chats, and emails and, where possible, exceed our Member and non-member service expectations. This includes identifying opportunities to retain and grow the business by offering Members a full range of financial products and services to meet their needs.
Key Accountabilities & Duties

Provide an exceptional Member experience on inbound and outbound calls, chat, and emails
Contribute to the team goals by identifying all cross-sell opportunities to retain and grow the business by offering Members a full range of products and services to meet their needs via the telephone, email and
Assist Members with setting up on-line banking options and accurately process transactions on Member accounts within authorized limits.
Meet cross-sell, and productivity
Attract potential Members by answering product and service questions and suggesting information about other products and services.
Respond to Member inquiries and feedback knowledgeably and
Strive to deliver first call issue resolution by clarifying the Member’s concern, determining the cause of the problem, selecting and explaining the best solution to solve the problem. Take ownership and accountability for resolving Member service inquiries and/or issues from beginning to end.
 Occupational Experience & Education Requirements

Post-secondary education in a related field or a keen interest in the financial industry
Minimum of 2 years of related experience (i.e. contact centre or industry experience)
Previous Credit Union or financial services experience considered an asset
 Knowledge, Skills & Attributes

Strong customer service and interpersonal skills
Excellent verbal and written communication skills
Ability to recognize cross sell opportunities
Good judgment and decision-making capabilities
An effective time manager who can perform in a fast-paced, deadline-oriented environment
Knowledge of Microsoft Office Suite Products
Ability to organize, prioritize, adapt to change and work in a fast-paced environment
Self-motivated and results-oriented
Team player
 Working Conditions

Open concept contact centre
Department: Member Connect 
Primary Location: Corporate Office 
Employment Status: Part-Time 
Hours per Week: 21-25
Number of Existing Vacancies: 1
Salary: The hourly range for this position is $20.56 to $25.70. Actual hourly rates will vary depending on relevant job-related factors such as experience, knowledge, skills, qualifications, and education/training. This position is may be eligible for discretionary bonuses.
DUCA is committed to employment equity and encourages applications from all qualified candidates. Recruitment related accommodations will be provided upon request.
Our hiring process includes AI screening for keywords and minimum qualifications. Talent Acquisition Partners review all results.
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? 
We’re a vibrant, exciting credit union that lives its "profits with a purpose" philosophy in every financial transaction, product, interest rate, and community initiative we offer. Founded in 1954, DUCA has grown from a single branch credit union in Toronto to 19 branches across Southern Ontario with over 85,000 Members we are proud to serve.  
We exist to help People, Businesses and Communities Do More, Be More, and Achieve More™. 
DUCA (www.duca.com) is distinguished for the following: 

Positive, un-big bank like service experience delivered through Member-facing staff in branch, on the phone (Member-Connect) and via our Mobile mortgage specialists, Wealth Management advisors and Commercial and Business Banking Account Managers. 
Competitive rates.
Personalized financial solutions, guidance, and service with the lowest possible fees for both Personal and Business Members.
Profit sharing among Members.
Multiple ways to bank—online, mobile app, phone/full-service Member Connect Contact Centre, and, of course, in-branch—DUCA is accessible 24/7 
A community philosophy of “profits with a purpose” culminating in the creation of the DUCA Impact Lab (www.ducaimpactlab.com), a charitable foundation committed to helping the credit challenged and underbanked.  This led to DUCA's designation as a B-Corp certified organization, the first ever credit union to receive this global recognition.
A career with DUCA means you’ll find endless opportunities to make a difference with your unique abilities and perspectives. Our people live their purpose while helping others Do more, Be more and Achieve more with their money and their lives.  At DUCA, you’ll be part of a vibrant and collaborative team where you’ll be supported to excel and make an impact, no matter what role you play. 
Vice President, Compliance (CAMLO & Privacy Officer)
DUCA is looking for a Vice President, Compliance (CAMLO & Privacy Officer) to join our growing team! 
Job Purpose & Summary
The VP Compliance (CAMLO & Privacy Officer) leads DUCA and its applicable subsidiaries’ compliance team and activities including anti-money laundering and anti-terrorist financing (AML/ATF), privacy, and complaints, and provides a second line of defense oversight for organization-wide legislative and regulatory compliance. This position establishes and oversees a compliance oversight framework which enables the identification,  assessment, monitoring, testing and reporting of adherence to applicable  regulatory and legislative requirements across all departments. As the Chief Anti-Money Laundering Officer (CAMLO) and Privacy Officer for the organization and applicable subsidiaries, this role ensures compliance with regulatory agencies including but not limited to FINTRAC and FSRA. This role supports the CEO (as appropriate), Chief Risk Officer, and other functions in compliance related interactions with regulators, auditors, Members, and other stakeholders.
The VP Compliance (CAMLO & Privacy Officer) works with the Executive Leadership Team (ELT), business units, and other departments to ensure the Credit Union and applicable subsidiaries have an adequate system of internal controls that operate efficiently and promote compliance with all applicable laws and regulations across the entire enterprise. This role drafts regular compliance reports for the Chief Risk Officer, and/or senior management, and the Board (or its delegate) and advises of emerging compliance issues while assessing the adequacy of controls and processes established by the business to mitigate risk.
 Key Accountabilities & Duties

Lead by example: consistently demonstrate DUCA’s values of “Bringing out the best in others”, “Doing what’s right even when it’s difficult”, and “Making what’s possible happen”
Inspire, lead, coach and develop a team of top talent creating a culture that fosters engagement, passion, and enthusiasm for the organization’s vision, mission, and values
Establish and oversee the organization and subsidiaries compliance framework, including the development and maintenance of policies, standards and methodologies that support independent compliance oversight, monitoring, testing, and reporting across the organization
Maintain enterprise-level visibility of applicable regulatory and legislative requirements and confirm that appropriate first line ownership, impact assessments, and action plans are in place ensuring alignment with applicable laws, regulations, and internal risk appetite
Oversee key compliance functions including anti-money laundering / anti-terrorist financing regulatory compliance and investigations, client and employee privacy compliance and investigations, training, and a wide range of regulatory and legislative compliance
Act as the primary point of contact with regulatory agencies, external auditors, and other key stakeholders for compliance issues; evaluate effectiveness of quality assurance and controls and provide recommendations for enhancement
Proactively evaluate business processes and procedures to identify compliance risks through development of risk assessments and oversight of consistent policies, procedures and internal controls aligned with risk appetite
Investigate and respond to compliance risk issues; assess and recommend actions and monitor remediation progress to relevant business groups
Oversee and develop the compliance team; design and organize the function to enable organization to meet its compliance and regulatory requirements in an efficient and effective fashion; set and execute strategic, tactical, and operational objectives; enhance quality assurance
Develop and implement appropriate testing methodologies designed to ensure compliance with all applicable laws and regulations. Evaluate new laws and regulations that may impact the Credit Union and its subsidiaries.
Provide compliance oversight and input into organization wide projects and initiatives reviewing business interpretations and approaches to application of compliance requirements, relative to such areas as: new products, new vendors, new channels of delivery, process development, development of controls and monitoring, changes in law or regulations.
Act as the primary lead on Internal Audit exams, external audit reviews, including bi-annual reviews, and FINTRAC regulatory examinations. Coordinate and work closely with regulatory agencies during all examinations, providing a point of contact for information and explanation of AML/ATF compliance, policy, and procedures throughout the Credit Union and its subsidiaries. Maintain strong, professional relationships with regulatory agencies, in particular FINTRAC. Evaluate existing key controls and the control environment to enable effective compliance; identify and implement improvements.
Respond to alleged violations of laws, rules, regulations, policies, and procedures with remediation action plans for the three lines of defense and oversee the ongoing monitoring and reporting of action plan progress. Monitor non-compliance and escalate any issues where non-compliance is not addressed.
Prepare responses to the findings identified in the reviews and examinations and monitor and challenge remedial action activities with relevant business leads to resolve gaps identified in audits and regulatory examinations, in keeping with three lines of defense.
As requested, attend senior leadership team meetings to report on compliance related topics.
Interact with and support DUCA Member-facing employees to enhance awareness and understanding of compliance requirements and best practices
Oversee privacy related regulatory, investigation, and reporting activities
Oversee Common Reporting Standards reporting and tax-related regulatory and investigation matters
Oversee Member complaints and regulatory enquiry responses and follow-up
Maintain high standards of ethics and integrity; adhere to DUCA’s Code of Conduct and any associated legal, compliance, or information security requirements.
Occupational Experience & Education Requirements

University degree in Business, Finance, Law, or other related field
10+ years’ experience leading a complex compliance function in financial services
5+ years’ experience at a senior management level accountable for growing and developing teams in a compliance or legal environment
CAMS and CIPP/c designations considered an asset
Knowledge of the Credit Union and Caisses Populaires Act and applicable legislation and regulations; prior interactions with FINTRAC an asset
Strong knowledge of applicable federal, provincial, and self-regulatory / best practice legislation and regulations relative to anti-money laundering, anti-terrorist financing, privacy, and Common Reporting Standards reporting matters
 Knowledge, Skills & Attributes

Proven strategy development and implementation skills
Ability to build effective rapport and credibility with constituents
A respected authority able to represent DUCA in front of regulators, legislators, and other key constituents and partner effectively with third parties, regulatory bodies, and others, as appropriate
Highly developed communication and presentation skills
Ability to distil complex information set into key points for select audiences
Critical thinking, problem-solving, and decision-making skills, with the ability to analyze complex information to identify the key issue/action and drive resolution.
Member focus with ability to communicate appropriately with clients on compliance and legal matters
Strong leadership, coaching, and employee development skills
Ability to identify gaps, recommend solutions, and implement changes across the organization in a culture positive manner
High level of integrity, ethics and professionalism; proven ability to maintain sensitive and highly confidential information
Working Conditions

Normal office environment
Department: Risk Management 
Primary Location: Corporate Office 
Employment Status: Full-time
Hours per Week: 38
Number of Existing Vacancies: 1
DUCA is committed to employment equity and encourages applications from all qualified candidates. Recruitment related accommodations will be provided upon request.
Our hiring process includes AI screening for keywords and minimum qualifications. Talent Acquisition Partners review all results.
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? 
We’re a vibrant, exciting credit union that lives its "profits with a purpose" philosophy in every financial transaction, product, interest rate, and community initiative we offer. Founded in 1954, DUCA has grown from a single branch credit union in Toronto to 19 branches across Southern Ontario with over 85,000 Members we are proud to serve.  
We exist to help People, Businesses and Communities Do More, Be More, and Achieve More™. 
DUCA (www.duca.com) is distinguished for the following: 

Positive, un-big bank like service experience delivered through Member-facing staff in branch, on the phone (Member-Connect) and via our Mobile mortgage specialists, Wealth Management advisors and Commercial and Business Banking Account Managers. 
Competitive rates.
Personalized financial solutions, guidance, and service with the lowest possible fees for both Personal and Business Members.
Profit sharing among Members.
Multiple ways to bank—online, mobile app, phone/full-service Member Connect Contact Centre, and, of course, in-branch—DUCA is accessible 24/7 
A community philosophy of “profits with a purpose” culminating in the creation of the DUCA Impact Lab (www.ducaimpactlab.com), a charitable foundation committed to helping the credit challenged and underbanked.  This led to DUCA's designation as a B-Corp certified organization, the first ever credit union to receive this global recognition.
A career with DUCA means you’ll find endless opportunities to make a difference with your unique abilities and perspectives. Our people live their purpose while helping others Do more, Be more and Achieve more with their money and their lives.  At DUCA, you’ll be part of a vibrant and collaborative team where you’ll be supported to excel and make an impact, no matter what role you play. 
Commercial Leasing Analyst
DUCA is looking for a Commercial Leasing Analyst to join our growing team! 
Job Purpose & Summary
The Commercial Leasing Analyst is detail-oriented with a strong analytical mindset who contributes to DUCA’ Commercial Leasing profitability and growth. This role supports the business development team by assisting with new member onboarding and managing a diverse portfolio of Commerical Leasing relationships. This position provides day-to-day support to the Commercial Leasing team in evaluating creditworthiness, structuring complex lease transactions, credit application write-up, portfolio management, and business development activities.
This role works closely with the relationship managers and Credit team to ensure a strong adherence to DUCA’s risk management framework. They are expected to contribute to creating a positive, collaborative environment that aligns with DUCA’s values and purpose of helping Members ‘Do more, Be more, and Achieve more’ with their money and their lives.
Key Accountabilities & Duties

Prepare comprehensive lease credit applications, including financial statement analysis, cash flow modelling, covenant assessment, third party report summaries, and industry research.
Provide recommendations on structure including mitigation strategies that balance risk and member needs.
Conduct deep-dive analysis of corporate financial statements, tax returns, cash flow projections to assess the credit risk of potential leases.
Assist with assessment of new lease applications, design and price lease structures, due diligence, research and credit applications, and make recommendations that adhere to DUCA’s policies and risk guidelines.
Perform valuation research on various equipment types to set appropriate structures to mitigate collateral risk.
Utilize financial modeling tools (e.g. T-Value, Spreadsheet, Internal Systems etc.) to calculate various ratios, return and value.
Liaise with Members, solicitors, appraisers, brokers, and internal partners (credit, operation, internal audit and finance) to support ongoing management of credit facilities.
Assist in complying with AML requirements prior to funding a lease.
Monitor the existing lease portfolio for performance, conducting annual reviews and identifying early warning signs of credit deterioration.
Communicate with Commercial Leasing Members on a day-to-day basis, responding to questions and inquiries regarding products, services and advice.
Assist with portfolio management duties and other day-to-day duties.
Analyze industry segments, competitive conditions, and economic trends to assess risks and identify opportunities within the commercial lease portfolio.
 Occupational Experience & Education Requirements

Bachelor’s degree in business/finance/accounting/economics or related field.
3+ years’ experience in banking or related field considered an asset.
2+ years’ experience with financial statement analysis and modeling.
Prior commercial equipment financing/leasing experience preferred but not a requirement.
Knowledge, Skills & Attributes

Strong analytical skills with the ability to interpret financial information, third party reports, legal agreements and assess creditworthiness.
Mastery of Microsoft Excel (Complex Modeling) and familiarity with lease pricing software.
Highly proficient with the other Microsoft Office suite of products, including Word, and Outlook.
Strong attention to detail and commitment to data accuracy.
Good problem-solving skills and ability to exercise sound judgement to resolve issues.
Excellent written and verbal communication skills.
Proven ability to handle multiple competing tasks, ensuring priorities are assessed and managed to meet deadlines and organizational objectives.
Effective team player and ability to work well within a group setting.
Working Conditions

Regular office working conditions.
Occasional travel to Member sites or external partners as required.
Department: Commercial Finance 
Primary Location: Corporate Office 
Employment Status: Full-Time 
Hours per Week: 38
Salary: The annual salary range for this position is $64,023 to $80,029.  Actual annual base salaries will vary depending on relevant job-related factors such as experience, knowledge, skills, qualifications, and education/training. This position may be eligible for discretionary bonuses.
Number of Existing Vacancies: 1
DUCA is committed to employment equity and encourages applications from all qualified candidates. Recruitment related accommodations will be provided upon request.
Our hiring process includes AI screening for keywords and minimum qualifications. Talent Acquisition Partners review all results.
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? 
We’re a vibrant, exciting credit union that lives its "profits with a purpose" philosophy in every financial transaction, product, interest rate, and community initiative we offer. Founded in 1954, DUCA has grown from a single branch credit union in Toronto to 19 branches across Southern Ontario with over 85,000 Members we are proud to serve.  
We exist to help People, Businesses and Communities Do More, Be More, and Achieve More™. 
DUCA (www.duca.com) is distinguished for the following: 

Positive, un-big bank like service experience delivered through Member-facing staff in branch, on the phone (Member-Connect) and via our Mobile mortgage specialists, Wealth Management advisors and Commercial and Business Banking Account Managers. 
Competitive rates.
Personalized financial solutions, guidance, and service with the lowest possible fees for both Personal and Business Members.
Profit sharing among Members.
Multiple ways to bank—online, mobile app, phone/full-service Member Connect Contact Centre, and, of course, in-branch—DUCA is accessible 24/7 
A community philosophy of “profits with a purpose” culminating in the creation of the DUCA Impact Lab (www.ducaimpactlab.com), a charitable foundation committed to helping the credit challenged and underbanked.  This led to DUCA's designation as a B-Corp certified organization, the first ever credit union to receive this global recognition.
A career with DUCA means you’ll find endless opportunities to make a difference with your unique abilities and perspectives. Our people live their purpose while helping others Do more, Be more and Achieve more with their money and their lives.  At DUCA, you’ll be part of a vibrant and collaborative team where you’ll be supported to excel and make an impact, no matter what role you play. 
Commercial Banking Analyst - Construction
DUCA is looking for a Commercial Banking Analyst - Construction to join our growing team! 
Job Purpose & Summary
The Commercial Banking Analyst contributes to DUCA’s Commercial Lending profitability and growth by assisting in the ongoing management of a diverse portfolio of mid-market business relationships. This position supports the Commercial Finance team in analysis, credit application write-up, portfolio management, and business development activities on a day-to-day basis.   
The position works closely with the relationship managers and credit team to help ensure a strong adherence to DUCA’s risk management framework.  They are expected to contribute in creating a positive, collaborative environment that aligns with DUCA’s values and purpose of helping Members ‘Do more, Be more, and Achieve more’ with their money and their lives.
Key Accountabilities & Duties

Assist with assessment of financing proposals, due diligence, research and credit applications, and make recommendations that adhere to DUCA’s policies and risk guidelines.
Prepare credit applications, including financial statement analysis, cash flow modelling, covenant assessment, third party report summaries, and industry research. Providing recommendations on structure including mitigation strategies that balance risk and Member needs.
Liaise with Members, solicitors, appraisers, brokers, and internal partners (credit, operation and finance) to support ongoing management of credit facilities.
Conduct credit reviews of existing Members and maintain annual reviews/renewals at or below targeted levels.
Communicate with Commercial Lending Members on a day-to-day basis, responding to questions and inquiries regarding products, services and advice.
Assist with portfolio management duties and other day-to-day duties.
Analyze industry segments, competitive conditions, and economic trends to assess risks and identify opportunities within the commercial portfolio.
Occupational Experience & Education Requirements

Bachelor’s degree in business/finance/economics. Master’s level degree or other related designations are considered an asset.
1-3 years’ experience in banking or related field considered an asset.
Previous experience and/or understanding of financial statement analysis.
Prior Construction lending experience preferred but not a requirement.
Knowledge, Skills & Attributes

Strong analytical skills with the ability to interpret financial information, third party reports, lease agreements and assess creditworthiness.
Highly proficient with the Microsoft Office suite of products, including Excel, Word, and Outlook.
Strong attention to detail and commitment to data accuracy.
Good problem solving skills and ability to exercise sound judgement to resolve issues.
Excellent written and verbal communication skills.
Proven ability to handle multiple competing tasks, ensuring priorities are assessed and managed to meet deadlines and organizational objectives
Effective team player and ability to work well within a group setting. 
Working Conditions

Regular office working conditions.
Occasional travel to Member sites or external partners as required.
Department: Commercial Finance
Primary Location: Corporate Office
Employment Status: Full-Time
Hours per Week: 38
Salary: The annual salary range for this position is $64,023 to $80,029.  Actual annual base salaries will vary depending on relevant job-related factors such as experience, knowledge, skills, qualifications, and education/training. This position may be eligible for discretionary bonuses.
Number of Existing Vacancies:1

DUCA is committed to employment equity and encourages applications from all qualified candidates. Recruitment related accommodations will be provided upon request.
Our hiring process includes AI screening for keywords and minimum qualifications. Talent Acquisition Partners review all results.
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? 
We’re a vibrant, exciting credit union that lives its "profits with a purpose" philosophy in every financial transaction, product, interest rate, and community initiative we offer. Founded in 1954, DUCA has grown from a single branch credit union in Toronto to 19 branches across Southern Ontario with over 85,000 Members we are proud to serve.  
We exist to help People, Businesses and Communities Do More, Be More, and Achieve More™. 
DUCA (www.duca.com) is distinguished for the following: 

Positive, un-big bank like service experience delivered through Member-facing staff in branch, on the phone (Member-Connect) and via our Mobile mortgage specialists, Wealth Management advisors and Commercial and Business Banking Account Managers. 
Competitive rates.
Personalized financial solutions, guidance, and service with the lowest possible fees for both Personal and Business Members.
Profit sharing among Members.
Multiple ways to bank—online, mobile app, phone/full-service Member Connect Contact Centre, and, of course, in-branch—DUCA is accessible 24/7 
A community philosophy of “profits with a purpose” culminating in the creation of the DUCA Impact Lab (www.ducaimpactlab.com), a charitable foundation committed to helping the credit challenged and underbanked.  This led to DUCA's designation as a B-Corp certified organization, the first ever credit union to receive this global recognition.
A career with DUCA means you’ll find endless opportunities to make a difference with your unique abilities and perspectives. Our people live their purpose while helping others Do more, Be more and Achieve more with their money and their lives.  At DUCA, you’ll be part of a vibrant and collaborative team where you’ll be supported to excel and make an impact, no matter what role you play. 
Financial Services Officer
We are looking for a Financial Services Officer to join our dynamic Orangeville branch!
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 Financial Services Officer (FSO) plays a key role in helping our Members to do more, be more, and achieve more with their money and their lives. The Financial Services Officer establishes relationships with Members, understands their goals, and provides them with holistic financial advice on a range of DUCA products and services that will enable them to achieve these goals. The FSO also helps develop new business with existing and potential Members through participation in branch campaigns and events, and establishing relationships within the community.
The FSO is a senior member of our small branch advisory teams and is responsible for providing leadership and coaching to other team members in the absence of the Branch Manager. 
Key Accountabilities & Duties

Establish strong relationships with Members and ask open-ended questions to discover Members’ life events, financial situation, risk profile, and short- and long-term goals.
Proactively provide needs-based advice by developing and presenting customized financial solutions that will help Members achieve their goals
Utilize sound interviewing, judgement and analysis skills to identify and provide recommendations on credit solutions within guidelines, on products including mortgages, loans, lines of credit and credit cards
Provide sound investment advice and identify appropriate solutions including registered and non-registered term deposits, TFSA’s, mutual funds, and other wealth solutions. Maintain up-to-date knowledge of economic and market conditions.
Open new Member accounts and provide other banking solutions to meet Member needs
Generate referrals for more complex needs to our Commercial or Wealth Management teams
Provide exceptional Member service by developing and deepening relationships, maintaining regular communication, and providing timely responses and value-added information and advice to Members
Work towards achieving or exceeding individual and branch objectives, while always acting in the best interest of our Members
Identify opportunities to develop business within the community and attract new Members to DUCA by establishing “centres of influence” outside the branch, and participating in community and branch events as a representative of DUCA
Complete and process all work within guidelines and in accordance to compliance, audit, policies, and procedures
 Occupational Experience & Education Requirements

Post-secondary education
A minimum of 3 years’ experience in a financial services sales environment and a minimum of 1 year in an advisory role with a proven track record in sales
Mutual funds license (e.g. IFIC), or working towards obtaining a mutual funds license
Experience working with or knowledge of a range of credit and investment products
 Knowledge, Skills & Attributes

Passionate about providing excellent Member service and helping others to achieve their goals
Exceptional written and verbal communication skills
Strong relationship management skills
Strong business acumen and financial industry knowledge
Proven sales skills
Strong attention to detail and time management skills
Experience using Microsoft Office suite of products
Experience using Customer Relationship Management (CRM), Loan Originating System (LOS), or other related software, considered an asset
Excellent analytical and problem-solving skills
Dedication to continual learning and development
Department: Retail Banking 
Primary Location: 16 Broadway, Orangeville, ON L9W 1J4
Employment Status: Full-Time 
Hours per Week: 38
Salary: The annual salary range for this position is $57,857 to $72,321. Actual annual base salaries will vary depending on relevant job-related factors such as experience, knowledge, skills, qualifications, and education/training. This position may be eligible for discretionary bonuses.
Number of Existing Vacancies: 1
DUCA is committed to employment equity and encourages applications from all qualified candidates. Recruitment related accommodations will be provided upon request.
Our hiring process includes AI screening for keywords and minimum qualifications. Talent Acquisition Partners review all results.
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? 
We’re a vibrant, exciting credit union that lives its "profits with a purpose" philosophy in every financial transaction, product, interest rate, and community initiative we offer. Founded in 1954, DUCA has grown from a single branch credit union in Toronto to 19 branches across Southern Ontario with over 85,000 Members we are proud to serve.  
We exist to help People, Businesses and Communities Do More, Be More, and Achieve More™. 
DUCA (www.duca.com) is distinguished for the following: 

Positive, un-big bank like service experience delivered through Member-facing staff in branch, on the phone (Member-Connect) and via our Mobile mortgage specialists, Wealth Management advisors and Commercial and Business Banking Account Managers. 
Competitive rates.
Personalized financial solutions, guidance, and service with the lowest possible fees for both Personal and Business Members.
Profit sharing among Members.
Multiple ways to bank—online, mobile app, phone/full-service Member Connect Contact Centre, and, of course, in-branch—DUCA is accessible 24/7 
A community philosophy of “profits with a purpose” culminating in the creation of the DUCA Impact Lab (www.ducaimpactlab.com), a charitable foundation committed to helping the credit challenged and underbanked.  This led to DUCA's designation as a B-Corp certified organization, the first ever credit union to receive this global recognition.
A career with DUCA means you’ll find endless opportunities to make a difference with your unique abilities and perspectives. Our people live their purpose while helping others Do more, Be more and Achieve more with their money and their lives.  At DUCA, you’ll be part of a vibrant and collaborative team where you’ll be supported to excel and make an impact, no matter what role you play. 
Senior Risk and Reporting Analyst  
DUCA is looking for a Senior Risk and Reporting Analyst to join our dynamic team!
Job Purpose & Summary
The Senior Risk and Reporting Analyst is responsible for delivering high-quality data analytics, credit portfolio reporting, and risk insights across both retail and commercial lending portfolios. This role supports strategic decision making by analyzing portfolio trends, identifying emerging risks, and ensuring compliance with internal policies and regulatory requirements. The analyst will work closely with Risk, Finance and IT teams to enhance data quality, risk models, and reporting frameworks.  Conduct advanced portfolio analysis and make recommendations to enhance and implement credit portfolio strategies for key stakeholders, including the Chief Risk Officer (CRO).
The position leads the design, compilation and validation of key components of the DUCA’s risk management programs and strategies, and independently coordinates the collection and review of data from other key stakeholders across the organization including external partners, Finance and Treasury.
 Key Accountabilities & Duties

Maintain and improve all Retail and Commercial dashboards for accurate and effective portfolio monitoring.
Maintain and enhance robust data validation routines to ensure data completeness and accuracy
Collaborate with internal and external partners to improve the structure, governance, and automation of risk data.
Proactively identify any actual and potential portfolio performance concerns and propose timely resolutions and/or future mitigators.
Assist Retail & Commercial Funding and Administration teams to validate information fields in DNA system and develop and maintain appropriate reports to support interactions with key stakeholders.
Prepare management reports and presentations to support DUCA’s Credit initiatives.
Prepare and maintain all data and reporting requirements for new and existing Retail or Commercial Credit business initiatives.
Update and maintain all required monthly and quarterly internal and external reporting for Retail and Commercial Credit. This includes FSRA’s Quarterly and Monthly risk and regulatory report deliverables, in addition to the FSRA Enhanced Data Capture (EDC).
Implement and maintain Teranet House Price Index (HPI) data into DUCA data warehouse and produce effective data analytics.
Work with various data owners to discover and select available data sources from internal and external sources to fulfill analytical needs and identify any inconsistencies in the data.
Identify and recommend risk management policy and procedural improvements that enable the value-generation of data outputs with a focus on driving genuine business outcomes.
Work with the Quality Control team to ensure loan data input is accurate and compliant through data reviews.
Support the Quality Control team as needed.
Support DUCA’s Credit Leadership:

Support the management of governance meetings (e.g., credit committee, management, board meetings, etc.) as required; facilitate development and approval of agendas, gathering and distribution of documentation related to agendas, and creation of meeting minutes/output
Participate in the operational risk management process for DUCA’s Management Risk and Asset Liability Committee (MRALCO); conduct analysis and compile reports related to Commercial Credit and Enterprise Risk for DUCA’s Risk Management team. 
Risk Management Oversight:

Design, maintain, and validate the quality and integrity of all regular reporting to ensure DUCA is meeting all regulatory and internal management reporting requirements related to DUCA’s Credit portfolio.
Provide analytical data insights for monitoring and improving DUCA’s Credit portfolio, Retail and Commercial Policies and Guidelines, and Credit Risk Management Policy (CRMP).
Analyze portfolio performance metrics such as delinquency, default, loss rates, PD, LGD, EAD.
Perform segmentation and trend analysis across borrower, product, industry, and region.
Monitor and report on portfolio concentrations, early warning indicators and risk appetite breaches.
Independently perform retail and commercial loan Stress Testing (ST) and Internal Capital Adequacy Assessment Process (ICAAP), conduct scenario analysis, and continuously improve ST methodologies to meet changing loan risks, model iteration and market dynamics.
Manage and maintain retail & commercial credit portfolio data.
Stay abreast of data management system updates, trends and best practices in data analysis and reporting.
 Occupational Experience & Education Requirements

Undergraduate or above degree in Business, Statistics, Economics or Finance
2-3+ years’ experience in a Reporting or Business Analyst position in a financial institution
Underwriting / adjudicating experience an asset
Advanced VBA, Power Query programming skills with working experience in visualization and analytics tools such as Power BI, Tableau, etc.
Experience querying large, complex, and varied data sources by using SQL or python considered an asset
Experience in data sourcing, manipulation, and transformation
Completion of relevant courses, certificate or education in analysis, data management technology, or statistics considered an asset
 Knowledge, Skills & Attributes

Highly proficient with Microsoft Excel (formulas, pivot table), PowerPoint, and Word
Knowledge of Visual Basic for Applications (VBA), fluency with macros and/ or other automation tools
Proficiency in visualization and analytics programs like Power BI, Python, SAS, Tableau is an asset
Solid understanding of risks and exposures relating to retail and commercial lending products
Strong analytical and problem-solving skills with the ability to translate user requirements into succinct analysis and reports
Advanced reporting and data analytics skills
In-depth knowledge of risk management metrics, KRIs
Strong attention to detail to ensure accuracy of produced results
Ability to understand “the big picture” and articulate business consequences of portfolio trends
Ability to manage multiple projects in a fast-paced environment
Strong interpersonal skills, collaborates well in a team environment
Excellent verbal and written communication skills
Strong critical thinking and problem-solving skills
 Working Conditions
Normal office environment.
Department: Commercial Credit 
Primary Location: Corporate Office, 5255 Young Street, North York 
Employment Status: Full-time
Hours per Week: 38
Number of Existing Vacancies: 1
Salary: The annual salary range for this position is $69,956 to $87,445.  Actual annual base salaries will vary depending on relevant job-related factors such as experience, knowledge, skills, qualifications, and education/training. This position may be eligible for discretionary bonuses.
DUCA is committed to employment equity and encourages applications from all qualified candidates. Recruitment related accommodations will be provided upon request.
Our hiring process includes AI screening for keywords and minimum qualifications. Talent Acquisition Partners review all results.
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? 
We’re a vibrant, exciting credit union that lives its "profits with a purpose" philosophy in every financial transaction, product, interest rate, and community initiative we offer. Founded in 1954, DUCA has grown from a single branch credit union in Toronto to 19 branches across Southern Ontario with over 85,000 Members we are proud to serve.  
We exist to help People, Businesses and Communities Do More, Be More, and Achieve More™. 
DUCA (www.duca.com) is distinguished for the following: 

Positive, un-big bank like service experience delivered through Member-facing staff in branch, on the phone (Member-Connect) and via our Mobile mortgage specialists, Wealth Management advisors and Commercial and Business Banking Account Managers. 
Competitive rates.
Personalized financial solutions, guidance, and service with the lowest possible fees for both Personal and Business Members.
Profit sharing among Members.
Multiple ways to bank—online, mobile app, phone/full-service Member Connect Contact Centre, and, of course, in-branch—DUCA is accessible 24/7 
A community philosophy of “profits with a purpose” culminating in the creation of the DUCA Impact Lab (www.ducaimpactlab.com), a charitable foundation committed to helping the credit challenged and underbanked.  This led to DUCA's designation as a B-Corp certified organization, the first ever credit union to receive this global recognition.
A career with DUCA means you’ll find endless opportunities to make a difference with your unique abilities and perspectives. Our people live their purpose while helping others Do more, Be more and Achieve more with their money and their lives.  At DUCA, you’ll be part of a vibrant and collaborative team where you’ll be supported to excel and make an impact, no matter what role you play. 
Mobile Mortgage Specialist
We are looking for three new Mobile Mortgage Specialists in Toronto and the GTA region! 
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.
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
Guaranteed base salary for the first 3-months of employment and then a 100% commission structure
Employer paid benefits
Dedicated underwriting team
Partner referral program that pays up to 25 bps on all funded deals, no funding minimum!
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
Number of Existing Vacancies: 1
Salary: This role offers a competitive compensation package under the Mobile Mortgage Specialist compensation plan, designed to reward employees for driving business growth and expanding their client portfolio. You will receive an income guarantee of $5,000 per month for the first three months in the role and will then switch over to 100% commission. The potential range for annual commission earnings can be anywhere from $100,000 to $150,000 however commission earnings have no minimum and no maximum and may fall outside the potential range depending on each individual’s performance.
DUCA is committed to employment equity and encourages applications from all qualified candidates. Recruitment related accommodations will be provided upon request.
Our hiring process includes AI screening for keywords and minimum qualifications. Talent Acquisition Partners review all results.
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? 
We’re a vibrant, exciting credit union that lives its "profits with a purpose" philosophy in every financial transaction, product, interest rate, and community initiative we offer. Founded in 1954, DUCA has grown from a single branch credit union in Toronto to 19 branches across Southern Ontario with over 85,000 Members we are proud to serve.  
We exist to help People, Businesses and Communities Do More, Be More, and Achieve More™. 
DUCA (www.duca.com) is distinguished for the following: 

Positive, un-big bank like service experience delivered through Member-facing staff in branch, on the phone (Member-Connect) and via our Mobile mortgage specialists, Wealth Management advisors and Commercial and Business Banking Account Managers. 
Competitive rates.
Personalized financial solutions, guidance, and service with the lowest possible fees for both Personal and Business Members.
Profit sharing among Members.
Multiple ways to bank—online, mobile app, phone/full-service Member Connect Contact Centre, and, of course, in-branch—DUCA is accessible 24/7 
A community philosophy of “profits with a purpose” culminating in the creation of the DUCA Impact Lab (www.ducaimpactlab.com), a charitable foundation committed to helping the credit challenged and underbanked.  This led to DUCA's designation as a B-Corp certified organization, the first ever credit union to receive this global recognition.
A career with DUCA means you’ll find endless opportunities to make a difference with your unique abilities and perspectives. Our people live their purpose while helping others Do more, Be more and Achieve more with their money and their lives.  At DUCA, you’ll be part of a vibrant and collaborative team where you’ll be supported to excel and make an impact, no matter what role you play. 
Director, DUCA Dealer Finance
DUCA is looking for a Director, DUCA Dealer Finance to join our growing team! 
Job Purpose & Summary
The Director, DUCA Dealer Finance is responsible for the execution and performance of the Automotive Finance channel, including developing and leading a high-performing sales team, strengthening dealer relationships, and delivering against growth, profitability, and Member experience objectives.
The role acts as an expert in automotive lending space providing market insights and input to support channel strategy, pricing, and framework development. The Director, DUCA Dealer Finance leads a team and partners cross-functionally to ensure effective execution, strong partner experience, and alignment with DUCA’s risk and operational standards.
Key Accountabilities & Duties

Provide market intelligence, dealer insights, and competitive analysis to inform channel strategy and decision-making.
Support the development and refinement of scalable frameworks for dealer segmentation, pricing strategy, and product positioning.
Provide data-driven recommendations to senior leadership to influence strategic direction.
Deliver on established loan growth, revenue, and profitability targets for the Dealer Finance channel.
Establish and monitor clear performance metrics and KPIs, including funding volumes, conversion ratios, turnaround times, and portfolio quality.
Build a culture of accountability and high performance, ensuring consistent pipeline management, forecasting accuracy, and execution excellence.
Continuously identify opportunities to improve productivity, efficiency, and outcomes.
Champion an exceptional dealer and Member experience, ensuring ease of doing business with DUCA.
Build and maintain trusted relationships with dealership principals, F&I leaders, and automotive groups.
Act as a senior escalation point to resolve partner issues promptly and effectively.
Promote DUCA’s value proposition, brand, and service excellence across the dealer network.
Lead, coach, and develop the Dealer Finance team, fostering a culture of high-performance and engagement.
Set clear expectations aligned to DUCA values and leadership competencies, and provide ongoing feedback, coaching, and development.
Support talent acquisition, succession planning, and team scaling as the channel grows.
Model inclusive leadership behaviours, encouraging collaboration, accountability, and continuous improvement.
Partner cross-functionally with Credit, Risk, Operations, Marketing, Retail, and Broker Services to deliver integrated solutions to ensure the effective execution of dealer finance programs and initiatives.
Recommend for practical program improvements and solutions that balance growth objectives with risk and operational considerations.
Collaborate on product development, go-to-market strategies, and campaign execution.
Foster alignment across teams to ensure a seamless end-to-end dealer and Member journey.
Partner with internal teams to support the efficiency flow of deals from initial application through to funding.
Identify and recommend process improvements, automation opportunities, and service enhancements.
Ensure adherence to service level agreements (SLAs) and consistent execution standards.
Promote a mindset of continuous improvement and innovation within the team.
Ensure team adherence to all activities aligned with DUCA’s risk appetite, credit policies, and regulatory requirements.
Maintain strong oversight of portfolio health, credit quality, and loss mitigation.
Promote a risk-aware culture within the team and dealer network.
Adhere to DUCA’s Code of Conduct, Ethical Sales Practices, and Market Conduct standards.
Occupational Experience & Education Requirements

Degree or Diploma in Business, or related field
5-10 years in automotive finance, lending, or dealer financial services
5+ years people leadership experience managing sales or business development teams
Proven experience driving growth and scaling distribution channels
Experience leading strategic initiatives and organizational change
Proven success driving business growth as well as establishing community and client relationships
 Knowledge, Skills & Attributes

Strong understanding of dealer operations, automotive lending, and credit risk principle
Strategic Thinking: Ability to translate market insights into actionable strategies
Driving Results: Results-oriented with strong financial and operational discipline
Relationship Focus: Exceptional relationship-building and stakeholder management skills
Leadership: Proven ability to inspire, coach, and develop high-performing teams
Collaboration: Strong ability to influence and align cross-functional partners
Risk & Compliance Mindset: Sound judgment with a disciplined approach to risk management
Communication: Clear, concise, and impactful verbal and written communication
Agility: Ability to manage multiple priorities in a fast-paced, evolving environment
 Working Conditions

Frequent travel within Ontario required (primarily GTA) to support dealership and partner engagement
Department: Mobile Teams
Primary Location: Corporate Office
Employment Status: Full-Time
Hours per Week: 38
Salary: The annual salary range for this position is $102,250 to $127,813. Actual annual base salaries will vary depending on relevant job-related factors such as experience, knowledge, skills, qualifications, and education/training. This position may be eligible for discretionary bonuses.
Number of Existing Vacancies: 1
DUCA is committed to employment equity and encourages applications from all qualified candidates. Recruitment related accommodations will be provided upon request.
Our hiring process includes AI screening for keywords and minimum qualifications. Talent Acquisition Partners review all results.
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? 
We’re a vibrant, exciting credit union that lives its "profits with a purpose" philosophy in every financial transaction, product, interest rate, and community initiative we offer. Founded in 1954, DUCA has grown from a single branch credit union in Toronto to 19 branches across Southern Ontario with over 85,000 Members we are proud to serve.  
We exist to help People, Businesses and Communities Do More, Be More, and Achieve More™. 
DUCA (www.duca.com) is distinguished for the following: 

Positive, un-big bank like service experience delivered through Member-facing staff in branch, on the phone (Member-Connect) and via our Mobile mortgage specialists, Wealth Management advisors and Commercial and Business Banking Account Managers. 
Competitive rates.
Personalized financial solutions, guidance, and service with the lowest possible fees for both Personal and Business Members.
Profit sharing among Members.
Multiple ways to bank—online, mobile app, phone/full-service Member Connect Contact Centre, and, of course, in-branch—DUCA is accessible 24/7 
A community philosophy of “profits with a purpose” culminating in the creation of the DUCA Impact Lab (www.ducaimpactlab.com), a charitable foundation committed to helping the credit challenged and underbanked.  This led to DUCA's designation as a B-Corp certified organization, the first ever credit union to receive this global recognition.
A career with DUCA means you’ll find endless opportunities to make a difference with your unique abilities and perspectives. Our people live their purpose while helping others Do more, Be more and Achieve more with their money and their lives.  At DUCA, you’ll be part of a vibrant and collaborative team where you’ll be supported to excel and make an impact, no matter what role you play. 
Manager, Automation & AI
DUCA is looking for a Manager, Automation & AI to join our growing team! 
Job Purpose & Summary
The Manager, Automation & AI is responsible for defining, designing, and enabling automation platforms, integration capabilities, and testing automation frameworks that improve the reliability, scalability, and delivery speed across DUCA’s technology landscape. This role leads system integration automation, API‑driven workflows, and AI‑enabled automation engineering practices across the organization.
The Manager, Automation & AI applies deep hands‑on expertise in APIs, integration tooling, and test automation while leveraging Artificial Intelligence to improve engineering productivity, solution quality, and platform reliability. The role plays a critical leadership function in embedding automation‑first and quality‑by‑design within delivery teams through standards, frameworks and enablement.
This role partners closely with teams across DUCA including the Applications and Data team, Centre of Excellence (CoE) teams, business stakeholders, and external vendors to provide technical feasibility assessments, identify automation opportunities, design resilient automation frameworks, and enable scalable automation across core banking, digital channels, and organization-wide platforms, including AI‑assisted web and mobile testing.
 The Manager, Automation & AI will be responsible for goal setting, coaching and development of their direct reports as well. 
Key Accountabilities & Duties
Automation Design Architecture

Evolve DUCA’s automation capability across system integration, orchestration, and quality engineering.
Define standards, patterns, and best practices for API‑based automation, orchestration, and integration workflows
Design end‑to‑end automation architectures aligned with security, scalability, and compliance expectations in a banking environment.
Collaborate with the data team, Centre of Excellence team, business stake holders, and application teams to ensure automation solutions align to DUCA’s target‑state technology roadmap.
Serve as a subject‑matter expert on automation technologies, AI‑assisted automation, and modern integration patterns.
Review and recommend business-built AI agents and automation scripts for implementation.
Provide architectural, security, and integration guidance through automation governance for solutions developed by business and operations teams.
API & Integration Automation

Design, build, and maintain reusable automation solutions leveraging APIs, the data warehouse, and integration tools.
Automate system‑to‑system interactions across core banking, digital, and third‑party platforms.
Ensure automated integrations are resilient, observable, and documented, with appropriate error handling and monitoring.
Partner with development teams to promote API‑first designs and automation‑friendly system architectures.
Support secure automation practices including authentication, authorization, and data protection.
 AI‑Enabled Automation & Process Optimization

Identify and implement opportunities to leverage AI and intelligent automation to reduce manual effort and accelerate delivery in partnership with CoE and Project teams
Apply AI tools to support automation logic generation, test script creation, defect analysis, and workflow optimization.
Evaluate and recommend emerging AI automation platforms and tools from IT architecture, compliance, and business value perspective
Continuously improve automation effectiveness using data, insights, and AI‑driven feedback loops.
 Test Automation (Web & Mobile)

Lead the design and implementation of scalable test automation frameworks including web and mobile applications.
Leverage AI‑assisted testing tools to increase test coverage, reduce maintenance effort, and improve defect detection.
Integrate automated testing into project delivery to enable continuous testing and faster release cycles.
Collaborate with delivery teams to embed automation early in the software development life cycle.
 Qualifications & Experience

Undergraduate degree in Computer Science, Engineering, Information Systems, or a related discipline.
7–10 years of progressive experience delivering IT automation, integration, and/or quality engineering solutions within large to mid-size organizations.
3+ years’ people management experience
Demonstrated experience automating solutions in banking or financial services using APIs and integration platforms.
Hands‑on experience designing and implementing automation frameworks for system integration and testing.
Demonstrated experience applying AI‑enabled automation tools to improve engineering efficiency and solution quality.
Proven experience automating web and mobile application testing.
Experience with regulated environments and core banking platforms is an asset.
Relevant certifications in automation, cloud platforms, quality engineering, or AI considered an asset.
 Knowledge, Skills & Attributes

Strong experience with API technologies (REST, JSON, OAuth, OpenAPI) and integration patterns.
Proficiency with automation and integration tools (e.g., workflow automation engines, RPA, iPaaS, or custom frameworks).
Experience with test automation frameworks for web and mobile applications.
Familiarity with CI/CD pipelines and DevOps practices.
Working knowledge of programming or scripting languages (e.g., Java, Python, JavaScript).
Experience leveraging AI/ML tools to enhance automation and testing.
Understanding of cloud platforms and modern application architectures.
Familiarity with ITIL and organization-wide governance frameworks considered an asset.
Strong analytical and problem‑solving skills.
Ability to translate complex technical solutions into business value.
Hands‑on, delivery‑oriented mindset with strong attention to quality.
Excellent communication and stakeholder‑management skills.
Ability to influence and lead without formal authority.
Curiosity, adaptability, and a continuous‑learning mindset, particularly with AI and automation technologies.
 Working Conditions

Normal office environment
Occasional after-hours work may be required to support production deployments or critical data initiatives.
Department: Information Technology
Primary Location: Corporate Office
Employment Status: Full-Time
Hours per Week: 38
Salary: The annual salary range for this position is $80,494 to $100,617.  Actual annual base salaries will vary depending on relevant job-related factors such as experience, knowledge, skills, qualifications, and education/training. This position may be eligible for discretionary bonuses.
Number of Existing Vacancies: 1
DUCA is committed to employment equity and encourages applications from all qualified candidates. Recruitment related accommodations will be provided upon request.
Our hiring process includes AI screening for keywords and minimum qualifications. Talent Acquisition Partners review all results.
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? 
We’re a vibrant, exciting credit union that lives its "profits with a purpose" philosophy in every financial transaction, product, interest rate, and community initiative we offer. Founded in 1954, DUCA has grown from a single branch credit union in Toronto to 19 branches across Southern Ontario with over 85,000 Members we are proud to serve.  
We exist to help People, Businesses and Communities Do More, Be More, and Achieve More™. 
DUCA (www.duca.com) is distinguished for the following: 

Positive, un-big bank like service experience delivered through Member-facing staff in branch, on the phone (Member-Connect) and via our Mobile mortgage specialists, Wealth Management advisors and Commercial and Business Banking Account Managers. 
Competitive rates.
Personalized financial solutions, guidance, and service with the lowest possible fees for both Personal and Business Members.
Profit sharing among Members.
Multiple ways to bank—online, mobile app, phone/full-service Member Connect Contact Centre, and, of course, in-branch—DUCA is accessible 24/7 
A community philosophy of “profits with a purpose” culminating in the creation of the DUCA Impact Lab (www.ducaimpactlab.com), a charitable foundation committed to helping the credit challenged and underbanked.  This led to DUCA's designation as a B-Corp certified organization, the first ever credit union to receive this global recognition.
A career with DUCA means you’ll find endless opportunities to make a difference with your unique abilities and perspectives. Our people live their purpose while helping others Do more, Be more and Achieve more with their money and their lives.  At DUCA, you’ll be part of a vibrant and collaborative team where you’ll be supported to excel and make an impact, no matter what role you play. 
Member Service Representative 
DUCA is currently looking for a full-time Member Service Representative to join our dynamic Mount Albert branch! 
The Member Service Representative is passionate about delivering outstanding service to customers, known as Members. We are looking for driven, organized individuals who thrive on interacting with Members, and are committed to helping identify opportunities through communication and inquiry. MSR’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 Member Service Representative (MSR) is passionate about delivering outstanding service to customers, known as Members. We are looking for driven, organized individuals who thrive on interacting with Members, and are committed to helping identify opportunities through communication and inquiry. MSR’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.
The MSR provides outstanding Member experience and service that is accurate, timely, and efficient. As a team player, the MSR thrives in an environment where partnering to deliver stellar solutions is top of mind. This role is ideal for someone who loves to juggle multiple priorities, and above all, is passionate about representing DUCA on the front line with a smile; greeting members when they arrive and ensuring every Member feels welcomed and recognized.
MSR’s help uncover opportunities where DUCA can better help existing and potential Members, with our fantastic array of banking solutions and services. Once they identify the opportunity, the MSR figures out who can best help the Member whether it be themselves or a DUCA advisor (Financial Services Officer). The MSR will always follow up to ensure the Member was taken care of.
As for the day-to-day responsibilities, the MSR will maintain cash balances, list and balance outgoing cheques, and balance all daily transactions. The MSR will ensure they are aware of, and adhere to, operating procedures and policies to safeguard the assets of the organization and the member.  Assists Branch to achieve Branch growth, targets, satisfactory compliance/audit
Key Accountabilities & Duties

Delight each Member by providing outstanding service (both at the front counter and by phone), answering inquiries, and always striving to increase Member satisfaction
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
Handle Member requests for deposits, withdrawals, transfers, and other routine transactions
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
Having up front dialogue with members to uncover financial needs with a talent for “opportunity spotting”
Solves Member issues using standard procedures and knows when to escalate non-standard issues, if
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 involvement.
Assists with counting large cash deposits.
Completes general office duties, processing and administration as required 
 Occupational Experience & Education Requirements

High School Diploma or equivalent (Undergraduate degree or equivalent preferred)
Experience working with and handling cash
Strong knowledge of computer systems
Two years’ experience helping Members or customers in either a bank or credit union environment, preferred
Previous experience with sales is considered an asset
 Knowledge, Skills & Attributes

You have a desire to learn and grow
Passion for working directly with Members and customers, finding ways to surprise and delight
Committed team player, demonstrating your enthusiasm for your job and Member every day
Multi-tasker who can organize and prioritize other work while putting the Member first
Excellent interpersonal and communication skills, both verbal and written
Strong attention to detail with ability to make decisions and provide friendly and personable service
Strong administration, organizational, planning and time management skills
Department: Retail Banking 
Primary Location: 19132 Centre Street, Mount Albert, ON L0G 1M0
Employment Status: Full-Time 
Hours per Week: 38
Salary: The annual salary range for this position is $40,634 to $50,793. Actual annual base salaries will vary depending on relevant job-related factors such as experience, knowledge, skills, qualifications, and education/training. This position may be eligible for discretionary bonuses.
Number of Existing Vacancies: 1
DUCA is committed to employment equity and encourages applications from all qualified candidates. Recruitment related accommodations will be provided upon request.
Our hiring process includes AI screening for keywords and minimum qualifications. Talent Acquisition Partners review all results.
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? 
We’re a vibrant, exciting credit union that lives its "profits with a purpose" philosophy in every financial transaction, product, interest rate, and community initiative we offer. Founded in 1954, DUCA has grown from a single branch credit union in Toronto to 19 branches across Southern Ontario with over 85,000 Members we are proud to serve.  
We exist to help People, Businesses and Communities Do More, Be More, and Achieve More™. 
DUCA (www.duca.com) is distinguished for the following: 

Positive, un-big bank like service experience delivered through Member-facing staff in branch, on the phone (Member-Connect) and via our Mobile mortgage specialists, Wealth Management advisors and Commercial and Business Banking Account Managers. 
Competitive rates.
Personalized financial solutions, guidance, and service with the lowest possible fees for both Personal and Business Members.
Profit sharing among Members.
Multiple ways to bank—online, mobile app, phone/full-service Member Connect Contact Centre, and, of course, in-branch—DUCA is accessible 24/7 
A community philosophy of “profits with a purpose” culminating in the creation of the DUCA Impact Lab (www.ducaimpactlab.com), a charitable foundation committed to helping the credit challenged and underbanked.  This led to DUCA's designation as a B-Corp certified organization, the first ever credit union to receive this global recognition.
A career with DUCA means you’ll find endless opportunities to make a difference with your unique abilities and perspectives. Our people live their purpose while helping others Do more, Be more and Achieve more with their money and their lives.  At DUCA, you’ll be part of a vibrant and collaborative team where you’ll be supported to excel and make an impact, no matter what role you play. 
Member Connect Representative (Full-Time)
DUCA is looking for a full-time Member Connect Representative to join our growing team! This is a great opportunity for candidates who enjoy working in a client services role, in a collaborative office environment. This role will be located on-site at our office in North York, Ontario. 
Call Centre Hours
Mon to Fri: 8am to 8pm
Sat: 9am to 5pm 
Job Purpose & Summary
The Member Connect Representative in our Member Connect Centre (Contact Centre) is the first point of contact at DUCA for many Members and potential Members. The Member Connect Representative will provide an exceptional Member experience on inbound and outbound calls, chats, and emails and, where possible, exceed our Member and non-member service expectations. This includes identifying opportunities to retain and grow the business by offering Members a full range of financial products and services to meet their needs.
Key Accountabilities & Duties

Provide an exceptional Member experience on inbound and outbound calls, chat, and emails
Contribute to the team goals by identifying all cross-sell opportunities to retain and grow the business by offering Members a full range of products and services to meet their needs via the telephone, email and
Assist Members with setting up on-line banking options and accurately process transactions on Member accounts within authorized limits.
Meet cross-sell, and productivity
Attract potential Members by answering product and service questions and suggesting information about other products and services.
Respond to Member inquiries and feedback knowledgeably and
Strive to deliver first call issue resolution by clarifying the Member’s concern, determining the cause of the problem, selecting and explaining the best solution to solve the problem. Take ownership and accountability for resolving Member service inquiries and/or issues from beginning to end.
 Occupational Experience & Education Requirements

Post-secondary education in a related field or a keen interest in the financial industry
Minimum of 2 years of related experience (i.e. contact centre or industry experience)
Previous Credit Union or financial services experience considered an asset
 Knowledge, Skills & Attributes

Strong customer service and interpersonal skills
Excellent verbal and written communication skills
Ability to recognize cross sell opportunities
Good judgment and decision-making capabilities
An effective time manager who can perform in a fast-paced, deadline-oriented environment
Knowledge of Microsoft Office Suite Products
Ability to organize, prioritize, adapt to change and work in a fast-paced environment
Self-motivated and results-oriented
Team player
 Working Conditions

Open concept contact centre
Department: Member Connect 
Primary Location: Corporate Office 
Employment Status: Full-Time 
Hours per Week: 38
Number of Existing Vacancies: 2
Salary: The annual salary range for this position is $40,634 to $50,793. Actual annual base salaries will vary depending on relevant job-related factors such as experience, knowledge, skills, qualifications, and education/training. This position may be eligible for discretionary bonuses.
DUCA is committed to employment equity and encourages applications from all qualified candidates. Recruitment related accommodations will be provided upon request.
Our hiring process includes AI screening for keywords and minimum qualifications. Talent Acquisition Partners review all results.
Qualified applicants are encouraged to submit their application. Applications must include a resume. 
We thank all applicants but only those considered for

Why DUCA? 
We’re a vibrant, exciting credit union that lives its "profits with a purpose" philosophy in every financial transaction, product, interest rate, and community initiative we offer. Founded in 1954, DUCA has grown from a single branch credit union in Toronto to 19 branches across Southern Ontario with over 85,000 Members we are proud to serve.  
We exist to help People, Businesses and Communities Do More, Be More, and Achieve More™. 
DUCA (www.duca.com) is distinguished for the following: 

Positive, un-big bank like service experience delivered through Member-facing staff in branch, on the phone (Member-Connect) and via our Mobile mortgage specialists, Wealth Management advisors and Commercial and Business Banking Account Managers. 
Competitive rates.
Personalized financial solutions, guidance, and service with the lowest possible fees for both Personal and Business Members.
Profit sharing among Members.
Multiple ways to bank—online, mobile app, phone/full-service Member Connect Contact Centre, and, of course, in-branch—DUCA is accessible 24/7 
A community philosophy of “profits with a purpose” culminating in the creation of the DUCA Impact Lab (www.ducaimpactlab.com), a charitable foundation committed to helping the credit challenged and underbanked.  This led to DUCA's designation as a B-Corp certified organization, the first ever credit union to receive this global recognition.
A career with DUCA means you’ll find endless opportunities to make a difference with your unique abilities and perspectives. Our people live their purpose while helping others Do more, Be more and Achieve more with their money and their lives.  At DUCA, you’ll be part of a vibrant and collaborative team where you’ll be supported to excel and make an impact, no matter what role you play. 
Human Resources Coordinator (15 Month Contract) 
DUCA is looking for a HR Coordinator to join our growing team! 
Job Purpose & Summary
As the first point of contact for employees, the HR Coordinator provides client-centric support with a focus on employee onboarding and other employee lifecycle activities, reporting, and supporting the People & Culture (P&C) team in executing human resource related activities. 
Key Accountabilities & Duties

Provide first level support to employees and People Leaders in the areas of policy interpretation and administration, employment legislation, employee programs, and related human resource functions and practices
Coordinate employee onboarding, offboarding, and other lifecycle activities including making entries into the Human Resources Information System (HRIS); maintain employee and other department files; initiate and track all administrative requirements, and coordinate workflows between P&C teams
Coordinate employee related Learning Management System (LMS) activities including employee onboarding, training assignments, offboarding, invoicing etc.; act as an LMS expert and provide end-user support to employees, liaising with the third-party vendor as required
Monitor mandatory training completions and follow-up with employees as needed; produce quarterly completion status reports and support annual board reporting on training completions
Support the roll-out of annual mandatory training and attestation projects, test LMS files, monitor and report on employee completions
Coordinate employee registrations, follow-up, and reporting for non-LMS learning initiatives (annual pension webinars, benefits webinars, etc.)
Prepare first-level human resources related reporting including basic reports out of HRIS, organizational charts, lieu-time reconciliation, employee moves and headcount reports; and other ad-hoc reports as required
Complete biweekly unpaid absence reporting, problem solving where possible and escalating for help when needed
Monitor, track, and action applicable pension enrollments, employee related licensing requirements or other employment conditions, conditional bonds, and work permit expiries; support employee benefit plan changes
Draft job letters, employment verifications, position change letters, and other employee related correspondence
Support cyclical activities, such as the performance review cycle and the creation and distribution of bonus and salary increase letters, internal and external audits and other system related reviews or exams requiring input or support
Manage pregnancy, parental, family caregiver, and other standard job-protected leaves and provide support for other non-medical leaves of absence while limiting risk where possible
Coordinate standard full-cycle medical disability leaves of absence claims; coordinating third party case initiation and claims management through to return to work.
Support the P&C team with planned communication activities including updating applicable material on the company intranet
Support DUCA’s Health & Safety program by scheduling and attending Joint Health & Safety Committee meetings, preparing meeting agendas, maintaining the annual workplan, recording minutes, preparing reports, and maintaining required postings in all of DUCA’s locations
Continually identify solutions to simplify, automate, and improve HR processes and workflows to create operational efficiencies and scalability
Keep current on applicable human resources trends and legislative requirements
Support the broader People & Culture team, as required, with other duties as assigned 
Occupational Experience & Education Requirements

Post-secondary education in Business or Human Resources
1 to 2 years’ experience in a human resources capacity (i.e. HR Administrator etc.) considered an asset
CHRP Designation (achieved or in progress) considered an asset
Experience participating in a Joint Health & Safety Committee or supporting general Health & Safety activities considered an asset
Experience within the credit union or financial services industry considered an asset
Knowledge, Skills & Attributes

Demonstrated ability to take initiative and work independently with the ability to exercise mature judgment and decision-making
Strong customer service, relationship building, problem solving, and follow-up skills
Strong active listening, verbal, and written communication skills
Strong analytical skills with demonstrated accuracy and attention to detail
Displays strong collaborative attributes to effectively work with employees, managers, and others in the P&C team
Possesses a solid knowledge and understanding of employment standards and related legislation
Ability to self-manage workload with strong time management, planning, prioritization, and organization skills
Ability to seek out opportunities to improve processes and procedures that will positively impact workflows
High level of integrity, ethics and professionalism; must be able to handle all confidential information with discretion and sensitivity
Working knowledge of relevant employment and human rights legislation
Proficient in Microsoft Office suite of products, including ability to work with data in Excel to present information that is accurate and easy to work with
Working Conditions
Normal office environment. Standard work week of 38 hours with additional time may be required to meet deadlines and project deliverables.
Department: People & Culture 
Primary Location: Corporate Office 
Employment Status: Full-Time (15 Month Contract) 
Hours per Week: 38
Salary: The annual salary range for this position is $51,904 to $64,880. Actual annual base salaries will vary depending on relevant job-related factors such as experience, knowledge, skills, qualifications, and education/training. This position may be eligible for discretionary bonuses.
Number of Existing Vacancies: 1

DUCA is committed to employment equity and encourages applications from all qualified candidates. Recruitment related accommodations will be provided upon request.
Our hiring process includes AI screening for keywords and minimum qualifications. Talent Acquisition Partners review all results.
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? 
We’re a vibrant, exciting credit union that lives its "profits with a purpose" philosophy in every financial transaction, product, interest rate, and community initiative we offer. Founded in 1954, DUCA has grown from a single branch credit union in Toronto to 19 branches across Southern Ontario with over 85,000 Members we are proud to serve.  
We exist to help People, Businesses and Communities Do More, Be More, and Achieve More™. 
DUCA (www.duca.com) is distinguished for the following: 

Positive, un-big bank like service experience delivered through Member-facing staff in branch, on the phone (Member-Connect) and via our Mobile mortgage specialists, Wealth Management advisors and Commercial and Business Banking Account Managers. 
Competitive rates.
Personalized financial solutions, guidance, and service with the lowest possible fees for both Personal and Business Members.
Profit sharing among Members.
Multiple ways to bank—online, mobile app, phone/full-service Member Connect Contact Centre, and, of course, in-branch—DUCA is accessible 24/7 
A community philosophy of “profits with a purpose” culminating in the creation of the DUCA Impact Lab (www.ducaimpactlab.com), a charitable foundation committed to helping the credit challenged and underbanked.  This led to DUCA's designation as a B-Corp certified organization, the first ever credit union to receive this global recognition.
A career with DUCA means you’ll find endless opportunities to make a difference with your unique abilities and perspectives. Our people live their purpose while helping others Do more, Be more and Achieve more with their money and their lives.  At DUCA, you’ll be part of a vibrant and collaborative team where you’ll be supported to excel and make an impact, no matter what role you play. 
Senior Member Service Representative 
DUCA is currently looking for a full-time Senior Member Service Representative to join our dynamic Bowmanville branch!
The Member Service Representative is passionate about delivering outstanding service to customers, known as Members. We are looking for driven, organized individuals who thrive on interacting with Members, and are committed to helping identify opportunities through communication and inquiry. MSR’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
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: Bowmanville Branch - 200 King Street East, Bowmanville, Ontario , L1C 1P3
Employment Status: Full-Time 
Hours per Week: 38 
Salary: The annual salary range for this position is $46,162 to $57,703.  Actual annual base salaries will vary depending on relevant job-related factors such as experience, knowledge, skills, qualifications, and education/training. This position may be eligible for discretionary bonuses.
Number of Exsisting Vacancies: 1

DUCA is committed to employment equity and encourages applications from all qualified candidates. Recruitment related accommodations will be provided upon request.
Our hiring process includes AI screening for keywords and minimum qualifications. Talent Acquisition Partners review all results.
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? 
We’re a vibrant, exciting credit union that lives its "profits with a purpose" philosophy in every financial transaction, product, interest rate, and community initiative we offer. Founded in 1954, DUCA has grown from a single branch credit union in Toronto to 19 branches across Southern Ontario with over 85,000 Members we are proud to serve.  
We exist to help People, Businesses and Communities Do More, Be More, and Achieve More™. 
DUCA (www.duca.com) is distinguished for the following: 

Positive, un-big bank like service experience delivered through Member-facing staff in branch, on the phone (Member-Connect) and via our Mobile mortgage specialists, Wealth Management advisors and Commercial and Business Banking Account Managers. 
Competitive rates.
Personalized financial solutions, guidance, and service with the lowest possible fees for both Personal and Business Members.
Profit sharing among Members.
Multiple ways to bank—online, mobile app, phone/full-service Member Connect Contact Centre, and, of course, in-branch—DUCA is accessible 24/7 
A community philosophy of “profits with a purpose” culminating in the creation of the DUCA Impact Lab (www.ducaimpactlab.com), a charitable foundation committed to helping the credit challenged and underbanked.  This led to DUCA's designation as a B-Corp certified organization, the first ever credit union to receive this global recognition.
A career with DUCA means you’ll find endless opportunities to make a difference with your unique abilities and perspectives. Our people live their purpose while helping others Do more, Be more and Achieve more with their money and their lives.  At DUCA, you’ll be part of a vibrant and collaborative team where you’ll be supported to excel and make an impact, no matter what role you play. 
Member Service Representative (Part-Time 21-25 hrs -18 Month Contract)
DUCA is currently looking for a part-time Member Service Representative to join our dynamic Richmond Hill branch!
The Member Service Representative is passionate about delivering outstanding service to customers, known as Members. We are looking for driven, organized individuals who thrive on interacting with Members, and are committed to helping identify opportunities through communication and inquiry. MSR’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 Member Service Representative (MSR) is passionate about delivering outstanding service to customers, known as Members. We are looking for driven, organized individuals who thrive on interacting with Members, and are committed to helping identify opportunities through communication and inquiry. MSR’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.
The MSR provides outstanding Member experience and service that is accurate, timely, and efficient. As a team player, the MSR thrives in an environment where partnering to deliver stellar solutions is top of mind. This role is ideal for someone who loves to juggle multiple priorities, and above all, is passionate about representing DUCA on the front line with a smile; greeting members when they arrive and ensuring every Member feels welcomed and recognized.
MSR’s help uncover opportunities where DUCA can better help existing and potential Members, with our fantastic array of banking solutions and services. Once they identify the opportunity, the MSR figures out who can best help the Member whether it be themselves or a DUCA advisor (Financial Services Officer). The MSR will always follow up to ensure the Member was taken care of.
As for the day-to-day responsibilities, the MSR will maintain cash balances, list and balance outgoing cheques, and balance all daily transactions. The MSR will ensure they are aware of, and adhere to, operating procedures and policies to safeguard the assets of the organization and the member.  Assists Branch to achieve Branch growth, targets, satisfactory compliance/audit
Key Accountabilities & Duties

Delight each Member by providing outstanding service (both at the front counter and by phone), answering inquiries, and always striving to increase Member satisfaction
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
Handle Member requests for deposits, withdrawals, transfers, and other routine transactions
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
Having up front dialogue with members to uncover financial needs with a talent for “opportunity spotting”
Solves Member issues using standard procedures and knows when to escalate non-standard issues, if
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 involvement.
Assists with counting large cash deposits.
Completes general office duties, processing and administration as
 Occupational Experience & Education Requirements

High School Diploma or equivalent (Undergraduate degree or equivalent preferred)
Experience working with and handling cash
Strong knowledge of computer systems
Two years’ experience helping Members or customers in either a bank or credit union environment, preferred
Previous experience with sales is considered an asset
 Knowledge, Skills & Attributes

You have a desire to learn and grow
Passion for working directly with Members and customers, finding ways to surprise and delight
Committed team player, demonstrating your enthusiasm for your job and Member every day
Multi-tasker who can organize and prioritize other work while putting the Member first
Excellent interpersonal and communication skills, both verbal and written
Strong attention to detail with ability to make decisions and provide friendly and personable service
Strong administration, organizational, planning and time management skills
Department: Retail Banking
Primary Location: Richmond Hill Branch - 9174 Yonge Street, Richmond Hill, Ontario , L4C 7A1
Employment Status: Part- Time (18 Month Contract)
Hours per Week: 21-25
Salary: The hourly range for this position is $20.56 to $25.70. Actual hourly rates will vary depending on relevant job-related factors such as experience, knowledge, skills, qualifications, and education/training. This position may be eligible for discretionary bonuses.
Number of Exsisting Vacancies: 1

DUCA is committed to employment equity and encourages applications from all qualified candidates. Recruitment related accommodations will be provided upon request.
Our hiring process includes AI screening for keywords and minimum qualifications. Talent Acquisition Partners review all results.
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? 
We’re a vibrant, exciting credit union that lives its "profits with a purpose" philosophy in every financial transaction, product, interest rate, and community initiative we offer. Founded in 1954, DUCA has grown from a single branch credit union in Toronto to 19 branches across Southern Ontario with over 85,000 Members we are proud to serve.  
We exist to help People, Businesses and Communities Do More, Be More, and Achieve More™. 
DUCA (www.duca.com) is distinguished for the following: 

Positive, un-big bank like service experience delivered through Member-facing staff in branch, on the phone (Member-Connect) and via our Mobile mortgage specialists, Wealth Management advisors and Commercial and Business Banking Account Managers. 
Competitive rates.
Personalized financial solutions, guidance, and service with the lowest possible fees for both Personal and Business Members.
Profit sharing among Members.
Multiple ways to bank—online, mobile app, phone/full-service Member Connect Contact Centre, and, of course, in-branch—DUCA is accessible 24/7 
A community philosophy of “profits with a purpose” culminating in the creation of the DUCA Impact Lab (www.ducaimpactlab.com), a charitable foundation committed to helping the credit challenged and underbanked.  This led to DUCA's designation as a B-Corp certified organization, the first ever credit union to receive this global recognition.
A career with DUCA means you’ll find endless opportunities to make a difference with your unique abilities and perspectives. Our people live their purpose while helping others Do more, Be more and Achieve more with their money and their lives.  At DUCA, you’ll be part of a vibrant and collaborative team where you’ll be supported to excel and make an impact, no matter what role you play. 
Member Connect Lending Specialist
DUCA is looking for a Member Connect Lending Specialist to join our growing team! 
Job Purpose & Summary
The Member Connect Lending Specialist provides exceptional, knowledgeable and timely service to Members and prospective Members through a variety of mediums. Reporting to the Director, Member Connect, the incumbent is responsible for underwriting new credit applications, or retention of existing retail lending business and providing advice for all DUCA products and services.  They have a strong aptitude for identifying opportunities for cross-selling and or up-selling the relevant products and services which meet our Member’s needs. The Member Connect Lending Specialist is adaptable, flexible and able to multi-task in an ever-changing multi-media environment. 
Key Accountabilities & Duties

Delivers an exceptional Member experience responding to both lending and general member inquiries knowledgeably and professionally through a variety of mediums including phone and email.
Meets established retail lending, investment and ancillary product and service goals.
Identifies opportunities during each Member interaction and promotes and cross-sell the appropriate DUCA products and services.
Manages the Member Connect retention process for assigned mortgage portfolio.
Completes credit analysis to underwrite credit applications in accordance with sound credit granting principles.
Adheres to and maintains up-to-date knowledge of DUCA’s lending procedures and guidelines, and associated systems.
Protects DUCA’s assets by adhering to all applicable lending regulations, policies and procedures, legal and ethical requirements, process requirements, and established risk guidelines.
Strives to deliver a best-in-class customer experience by clarifying the member’s concern, determining the cause of the problem, selecting and explaining the best solution to solve the problem. Takes ownership and accountability for resolving member service inquiries and/or issues from beginning to end.
Assists Members with setting up on-line banking options and accurately processing transactions on Member accounts within authorized limits.
Provides leadership within the lending team, and within the contact centre generally.
 Occupational Experience & Education Requirements

3 to 5 years’ experience in a contact centre environment with a lending background
1-2 years’ experience with banking and credit protocols
Experience with retail underwriting guidelines and working across multiple credit application systems is preferred
 Knowledge, Skills & Attributes

Superior problem-solving skills
Excellent telephone manners, communication and listening skills
Ability to multi-task, organize and prioritize and adapt to change
Keen attention to detail
Ability to work in a fast-paced environment
Self-motivated and energetic
Team player
 Working Conditions
Contact Centre environment
Department: Member Connect
Primary Location: Corporate Office
Employment Status: Full- Time
Hours per Week: 38
Salary: The annual salary range for this position is $51,904 to $64,880.  Actual annual base salaries will vary depending on relevant job-related factors such as experience, knowledge, skills, qualifications, and education/training. This position may be eligible for discretionary bonuses.
Number of Existing Vacancies: 1
DUCA is committed to employment equity and encourages applications from all qualified candidates. Recruitment related accommodations will be provided upon request.
Our hiring process includes AI screening for keywords and minimum qualifications. Talent Acquisition Partners review all results.
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? 
We’re a vibrant, exciting credit union that lives its "profits with a purpose" philosophy in every financial transaction, product, interest rate, and community initiative we offer. Founded in 1954, DUCA has grown from a single branch credit union in Toronto to 19 branches across Southern Ontario with over 85,000 Members we are proud to serve.  
We exist to help People, Businesses and Communities Do More, Be More, and Achieve More™. 
DUCA (www.duca.com) is distinguished for the following: 

Positive, un-big bank like service experience delivered through Member-facing staff in branch, on the phone (Member-Connect) and via our Mobile mortgage specialists, Wealth Management advisors and Commercial and Business Banking Account Managers. 
Competitive rates.
Personalized financial solutions, guidance, and service with the lowest possible fees for both Personal and Business Members.
Profit sharing among Members.
Multiple ways to bank—online, mobile app, phone/full-service Member Connect Contact Centre, and, of course, in-branch—DUCA is accessible 24/7 
A community philosophy of “profits with a purpose” culminating in the creation of the DUCA Impact Lab (www.ducaimpactlab.com), a charitable foundation committed to helping the credit challenged and underbanked.  This led to DUCA's designation as a B-Corp certified organization, the first ever credit union to receive this global recognition.
A career with DUCA means you’ll find endless opportunities to make a difference with your unique abilities and perspectives. Our people live their purpose while helping others Do more, Be more and Achieve more with their money and their lives.  At DUCA, you’ll be part of a vibrant and collaborative team where you’ll be supported to excel and make an impact, no matter what role you play. 
Wealth Advisor 
DUCA is looking for a Wealth Advisor to join our growing team! 
Job Purpose & Summary
Along with our third-party Wealth Management partner, DUCA provides a fully comprehensive wealth management offering that encompasses a holistic Member-centric experience delivered through a network of leading financial and investment professionals. 
Reporting to the VP, Wealth Management, the Wealth Advisor provides investment, retirement, and financial planning advice, with the focus on consolidation of investment assets through two broad groups of activity. Firstly, the Wealth Advisor is directly responsible for gathering investment assets through investment, retirement, and financial planning advice to clients/Members. Secondly, the Wealth Advisor will regularly meet with Wealth clients to review portfolios and assist with retirement, estate, and financial plans. The Wealth Advisor will work in close collaboration with the retail branch network to ensure Members are receiving the necessary advice and ongoing service. 
The Wealth Advisor will provide wealth management solutions and support up to three DUCA branches within their region.
Key Accountabilities & Duties

Build a portfolio of high-value Wealth clients across territory, driving net sales targets annually through branch referrals, as well as internal and external prospecting activities
Generate branch referrals by visiting assigned branches regularly. Build collaborative working relationships and teamwork with branch staff to identify current and potential clients with investment and financial planning needs
Make pro-active calls to existing DUCA clients to offer investment, retirement, and financial planning services
Draw on external networks (friends, family, client referrals, centres of influence) to attract new Wealth clients
Complete Investment portfolio review and analysis for each referral to enhance probability of acquiring new clients
Use financial planning & life insurance needs analysis tools to develop plans and recommendations
Drive asset consolidation among existing clients by attracting portfolios currently managed at other financial institutions
Actively build investment and product knowledge as well as advisory capability among branch colleagues to support achievement of their own sales and client acquisition targets
Become an integral member of the Branch sales team, conducting regular information sessions/seminars, both one-on-one with registered representatives and as a group with all branch employees
Refer clients, as appropriate, to DUCA’s insurance, trust and estate planning partners
Develop and maintain extensive knowledge of DUCA specific products and investment vehicles for use in portfolio development
Identify and assist in developing opportunities for retail banking products and services with Credit Union branch partners  
Occupational Experience & Education Requirements

Completion of the Canadian Securities Course (CSC), Conduct & Practices Handbook (CPH), and Wealth Management Essentials (WME)
Additional designations, such as Certified Investment Manager (CIM) or Chartered Financial Analyst (CFA), may be required as DUCA’s product line evolves
Currently registered as an Investment Representative
Experience managing portfolios larger than $100,000 considered an asset
Personal Financial Planner (PFP) or Certified Financial Planner (CFP) designation, or working towards completion of PFP or CFP considered an asset
Expert knowledge of the investment industry, products, and the principles of investment advice / financial planning
Minimum 5 years of experience in Financial Planning / Investment Sales
Post-secondary diploma/degree, ideally in Commerce, Business Administration or related experience 
Experience researching and analyzing individual publicly listed securities of operating companies and selecting them for investment considered an asset
Experience utilizing fee-based solutions considered an asset
Experience utilizing ETF solutions considered an asset
Knowledge, Skills & Attributes

Familiarity Responsible Investing solutions
A successful track record in asset gathering through portfolio analysis advising retails investors
Superior sales abilities (active listening, identifying business opportunities, influencing & negotiating, asking for the business)
Outstanding communication skills
Well-developed presentation skills
Self-starter, high-achievement orientation
Teamwork, relationship builder
Customer service / community involvement
Proven networking and client acquisition skills
Ability to build and develop strong partner relationships
A passion for putting members/clients first
Ability to work with minimal supervision
Commitment to continuous learning
Strong familiarity with financial planning tools / software
Working Conditions
Regular travel between assigned branches and/or offsite to meet Members is required.
Department: Wealth Management 
Primary Location: Corporate Office 
Employment Status: Full-time 
Hours per Week: 38
Salary: This role offers a competitive compensation package under the Wealth Advisor compensation plan, designed to reward employees for driving business growth and expanding their client portfolio. The annual salary for this position is $65,000.  The potential range for annual commission earnings can be anywhere from $50,000 to $80,000 however commission earnings have no minimum and no maximum and may fall outside the potential range depending on each individual’s performance. This position may also be eligible for discretionary bonuses.
Number of Existing Vacancies: 1
DUCA is committed to employment equity and encourages applications from all qualified candidates. Recruitment related accommodations will be provided upon request.
Our hiring process includes AI screening for keywords and minimum qualifications. Talent Acquisition Partners review all results.
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? 
We’re a vibrant, exciting credit union that lives its "profits with a purpose" philosophy in every financial transaction, product, interest rate, and community initiative we offer. Founded in 1954, DUCA has grown from a single branch credit union in Toronto to 19 branches across Southern Ontario with over 85,000 Members we are proud to serve.  
We exist to help People, Businesses and Communities Do More, Be More, and Achieve More™. 
DUCA (www.duca.com) is distinguished for the following: 

Positive, un-big bank like service experience delivered through Member-facing staff in branch, on the phone (Member-Connect) and via our Mobile mortgage specialists, Wealth Management advisors and Commercial and Business Banking Account Managers. 
Competitive rates.
Personalized financial solutions, guidance, and service with the lowest possible fees for both Personal and Business Members.
Profit sharing among Members.
Multiple ways to bank—online, mobile app, phone/full-service Member Connect Contact Centre, and, of course, in-branch—DUCA is accessible 24/7 
A community philosophy of “profits with a purpose” culminating in the creation of the DUCA Impact Lab (www.ducaimpactlab.com), a charitable foundation committed to helping the credit challenged and underbanked.  This led to DUCA's designation as a B-Corp certified organization, the first ever credit union to receive this global recognition.
A career with DUCA means you’ll find endless opportunities to make a difference with your unique abilities and perspectives. Our people live their purpose while helping others Do more, Be more and Achieve more with their money and their lives.  At DUCA, you’ll be part of a vibrant and collaborative team where you’ll be supported to excel and make an impact, no matter what role you play. 
Business Optimization Analyst
DUCA is looking for a Business Optimization Analyst join to our growing team! 
Job Purpose & Summary
The Business Optimization Analyst is responsible for supporting DUCA-wide initiatives that drive operational excellence, digital transformation and continued growth. The role partners with senior stakeholders across the organization to assess, analyze, redesign and optimize  business processes that directly impact employee performance and member experience. The Business Optimization Analyst assesses current state processes then recommends, and participates in, the design and development of future-state processes that deliver tangible business benefits. This role supports initiatives that may or may not involve technology, with a primary focus on business processes within the current operating environment that affect DUCA employees’ day-to-day work and the service provided to Members.
Business Optimization Analyst supports work streams on key strategic projects which require root cause analysis or determination of detailed design specifications to achieve the stated/future state. This role will support multiple business partners in the creation of employee-facing procedures, job aids, communications, and training materials
Key Accountabilities & Duties

Lead workshops and discovery sessions as appropriate with senior stakeholders and subject matter experts (SME) to gather business requirements and understand current state processes independently.
Independently provide process improvement recommendations to the Director, Process Excellence & Automation to address business areas of opportunity and partner to present recommendations to senior stakeholders related to process improvements and DUCA-wide initiatives.
Engage with senior stakeholders and lead the approved process improvement implementation plan in respective teams.
Translate business outcomes into requirements and convey acceptance criteria, future‑state process designs, outcomes via User Acceptance Testing (UAT), and benefits realization to Business Systems Analysts, Automation teams, and Data teams as appropriate.
Contribute to test case development for projects and new product launches and assist with (UAT) as needed.
Collaborate with IT teams and external vendors to resolve defects, validate fixes, and confirm operational readiness prior to release.
Independently prepare Forms, including system linked Forms (currently in Doxim LOS, ASAPP (AOS and LOS), and DNA.
Collaborate with IT to build automations using approved tools and applications (e.g., Power Automate, Power Apps, etc.) to execute on process improvement recommendations
Design and support form integrations to key DUCA platforms including Doxim LOS, ASAPP (AOS/LOS), Lodestar, Central 1’s Forge, JUDI.AI, and DNA; ensure data integrity, workflow orchestration, exception handling, and non‑functional requirements are addressed.
Support, collaborate, and partner with business process owners and stakeholders across DUCA, working in a Centre of Excellence (CoE) manner that facilitates shared understanding and “buy-in”.
Influence stakeholders at various levels to adopt new ways of working and support change management assisting with communications, process readiness, and training alignment.
Act as an expert in documenting problems, opportunities, and/or issues to be addressed.
Define scope, key outcomes, and objectives of the work as well as key performance
Define and document current processes using a variety of both independent and collaborative techniques (existing documentation review, interviews, job shadowing, use cases, hands on testing, technical investigation).
In collaboration with IT teams, provide guidance and insights with consideration to preferred approaches, technological capabilities/limitations/possibilities, including impact to other functions and teams, and business risks and/or rules that apply to process steps.
Develop future‑state process maps/ workflows / and SOPs with designs that balance efficiency, member experience, compliance, and operational feasibility.
Contribute to DUCA’s process standards, templates, and governance frameworks (e.g., documentation conventions, control taxonomy, benefits tracking).
Conduct root cause analysis required to identify and communicate the causes of problems and/present actionable recommendations with range of solutions from toolkit such as process improvements, automation and reporting solutions using SQL queries.
Use basic SQL and Power BI to validate process performance, identify trends, and support insight generation.
Lead DUCA-wide process discovery, mapping, and redesign of end‑to‑end processes using BPMN and standardized methodology.
Support business process owners in the implementation of future-state designs, as required to achieve time savings, improve member experience, enhance employee experience and/or reduce risk.
Participate in project teams formed for new products, process, and/or technology implementations according to the accountabilities agreed upon by project leads, project team, and Project Managers and completing assigned work package
Act as the process SME to other DUCA teams and employees when process maps and supporting documentation outputs require transformation into employee-facing materials such as procedures and job aids.
Provide lessons learned/close-out materials at the end of the projects/initiatives.
Write SQL queries to obtain data and create fields for Forms.
Develop playbooks, templates, and training materials to elevate process excellence capability across DUCA.
Coach other analysts, SMEs, or project resources on process modelling, requirements practices, UAT execution, and continuous improvement methods.
Support the training of new team members.
Keep abreast of emerging technologies and acquire new skills as required to support the role.
Other duties may be assigned as needed.
Occupational Experience & Education Requirements

University degree required in technology or business, or related field
5+ years’ experience in business process improvement/ analyst role within a financial services organization
Extensive experience in the financial services industry is required, preferably in a banking operations position
Experience in projects and/or as part of user acceptance testing and/or quality assurance validation
Experience with Lean methodologies, Database modelling using Power BI or a similar tool is an asset
Knowledge, Skills & Attributes

Excellent time management, organization, and self-motivation skills
Knowledge of banking processes, preferably on both deposit taking and lending operations
Strong written and verbal communication skills and the ability to effectively interact with senior stakeholders across a variety of business units and levels across DUCA
Strong working proficiency in Microsoft suite of products (Visio, Excel, Word, PowerPoint, Teams, SharePoint) and Adobe
Experience with automation tools such as Microsoft Power Platform and RPA tools and ability to learn new systems quickly
Experience writing database queries using SQL
Ability to create visual models such as complex work-flow diagrams/process maps etc.
Ability to lead working sessions and perform research/testing to derive work steps and create detailed documentation, using both low-tech and high-tech approaches
Ability to ask good probing questions, listen to answers, absorb and make meaning of context and content
Critical thinking and problem-solving skills with the ability to identify root causes to presenting issues and then recommend options/approaches to address same
Ability to analyze and organize data and present findings in a format that support business decision making
Senior stakeholder relationship management
Ability to manage ambiguity and embrace new information and learning as it surfaces
Able to work on multiple initiatives at the same time and manage time commitments and deadlines
 Working Conditions
Normal office environment with occasional travel to DUCA branch locations.
 
Department: Operations
Primary Location: Corporate Office 
Employment Status: Full-Time 
Hours per Week: 38
Salary: The annual salary range for this position is $64,023 to $80,029.  Actual annual base salaries will vary depending on relevant job-related factors such as experience, knowledge, skills, qualifications, and education/training. This position may be eligible for discretionary bonuses.
Number of Existing Vacancies: 1 
DUCA is committed to employment equity and encourages applications from all qualified candidates. Recruitment related accommodations will be provided upon request.
Our hiring process includes AI screening for keywords and minimum qualifications. Talent Acquisition Partners review all results.
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? 
We’re a vibrant, exciting credit union that lives its "profits with a purpose" philosophy in every financial transaction, product, interest rate, and community initiative we offer. Founded in 1954, DUCA has grown from a single branch credit union in Toronto to 19 branches across Southern Ontario with over 85,000 Members we are proud to serve.  
We exist to help People, Businesses and Communities Do More, Be More, and Achieve More™. 
DUCA (www.duca.com) is distinguished for the following: 

Positive, un-big bank like service experience delivered through Member-facing staff in branch, on the phone (Member-Connect) and via our Mobile mortgage specialists, Wealth Management advisors and Commercial and Business Banking Account Managers. 
Competitive rates.
Personalized financial solutions, guidance, and service with the lowest possible fees for both Personal and Business Members.
Profit sharing among Members.
Multiple ways to bank—online, mobile app, phone/full-service Member Connect Contact Centre, and, of course, in-branch—DUCA is accessible 24/7 
A community philosophy of “profits with a purpose” culminating in the creation of the DUCA Impact Lab (www.ducaimpactlab.com), a charitable foundation committed to helping the credit challenged and underbanked.  This led to DUCA's designation as a B-Corp certified organization, the first ever credit union to receive this global recognition.
A career with DUCA means you’ll find endless opportunities to make a difference with your unique abilities and perspectives. Our people live their purpose while helping others Do more, Be more and Achieve more with their money and their lives.  At DUCA, you’ll be part of a vibrant and collaborative team where you’ll be supported to excel and make an impact, no matter what role you play. 
Manager, Organizational Change and Communications
DUCA is looking for a Manager, Organizational Change and Communications to join our growing team! 
Job Purpose & Summary
Reporting to the VP, Change Acceleration & Learning, the Manager, Change Acceleration contributes to the execution and delivery of strategic initiatives and projects within the People & Culture (P&C) portfolio.  Leveraging a structured approach to change management, this position will determine and recommend tactics to embed changed behaviours and activities into a new way of working across the organization. 
In addition to determining the most effective communications strategy to accelerate the implementation of P&C initiatives, the Manager, Change Acceleration will create and execute the overall communications plan and associated content. Acting as the lead for P&C driven initiatives, this position partners with stakeholders to track, monitor, and report on the progress of P&C initiatives and the activities required to meet and accelerate key deliverables.  
Key Accountabilities & Duties

Consistently demonstrate and embed DUCA’s values of “Bringing out the best in others”, “Doing what’s right even when it’s difficult”, and “Making what’s possible happen” into all change acceleration activities
Lead change acceleration activities for assigned P&C driven initiatives; track, monitor and report on the progress of deliverables for P&C initiatives and projects; create templates, forms, and other documents required to support P&C initiatives
Recommend communication strategies and tactics to effectively accelerate the implementation of P&C initiatives; develop overall communication plans including recommendations for appropriate channels and cadence; partner with internal stakeholder to create associated content 
Partner with the Learning team to review materials and provide guidance and advice to ensure change acceleration concepts are applied
Conduct research, collect and/or consolidate data to provide insightful analysis and recommendations that enable senior level decision making required for detailed business cases and project plans for the P&C team
Approve applicable documentation related to P&C initiatives prior to roll-out to the broader organization ensuring the best practice change acceleration methodology is applied
Partner with key stakeholder groups and project teams to ensure ongoing alignment with agreed upon deliverables and outcomes; assess any delays and gain agreement with stakeholders on next steps while balancing project timelines and associated risks 
Synthesize information from employee input sources owned by P&C; Pull out key findings for actioning and recommend measurement impact analysis of P&C owned action items
Act as the lead for P&C team and other meetings; determine cadence and content as needed; facilitate project meetings or workshops; document minutes capturing risks, actions, issues, and decisions
Assist with the prioritization of P&C initiatives and projects; work with VP, Change Acceleration & Learning and the Chief People & Culture Officer to support other activities required to accelerate the adoption of the applicable strategic initiatives
Occupational Experience & Education Requirements

Post-secondary degree in communications, business administration, or related field
5-7 years’ experience supporting the implementation and acceleration of strategic initiatives
3 years’ experience working in communications, with preference given to Internal Communications positions
PMP designation or Agile Certification an asset
AIM accreditation an asset
Experience in requirements gathering, assessment, and analysis
Experience in the financial services industry an asset
Knowledge, Skills & Attributes

Passion for bringing out the best in others and demonstrating commitment to building a high-performance culture
Superior writing and editing skills with proven experience developing communications that accelerate change including executive level messages, presentations, and briefing documents
A dynamic thought leader who is strategic, creative, collaborative, and detail oriented
Knowledge of HR concepts and practices, including employee engagement and organizational culture, to effectively support the roll out and adoption of P&C initiatives
Superior organizational skills with the ability to effectively manage stakeholders and multiple priorities in a high-pressure and deadline-driven environment
Superior relationship building and influencing skills, with an ability to influence employees at all levels, and to partner with P&C leadership on complex, and often time-sensitive, initiatives
Analytical and problem-solving skills with the ability to proactively and tactfully manage multiple stakeholders and workstreams
Flexible and adaptable with the ability to work effectively in ambiguous situations
Proficient in Microsoft Office suite and various communications tools and programs
Effective project management skills with the ability to manage multiple priorities, projects, and deadlines
Working Conditions

Normal office environment
Occasional travel to DUCA branch locations may be required
Department: People & Culture 
Primary Location: Corporate Office
Employment Status: Full-time
Hours per Week: 38
Salary: The annual salary range for this position is $80,494 to $100,617. Actual annual base salaries will vary depending on relevant job-related factors such as experience, knowledge, skills, qualifications, and education/training. This position may be eligible for discretionary bonuses.
Number of Existing Vacancies: 1
DUCA is committed to employment equity and encourages applications from all qualified candidates. Recruitment related accommodations will be provided upon request.
Our hiring process includes AI screening for keywords and minimum qualifications. Talent Acquisition Partners review all results.
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? 
We’re a vibrant, exciting credit union that lives its "profits with a purpose" philosophy in every financial transaction, product, interest rate, and community initiative we offer. Founded in 1954, DUCA has grown from a single branch credit union in Toronto to 19 branches across Southern Ontario with over 85,000 Members we are proud to serve.  
We exist to help People, Businesses and Communities Do More, Be More, and Achieve More™. 
DUCA (www.duca.com) is distinguished for the following: 

Positive, un-big bank like service experience delivered through Member-facing staff in branch, on the phone (Member-Connect) and via our Mobile mortgage specialists, Wealth Management advisors and Commercial and Business Banking Account Managers. 
Competitive rates.
Personalized financial solutions, guidance, and service with the lowest possible fees for both Personal and Business Members.
Profit sharing among Members.
Multiple ways to bank—online, mobile app, phone/full-service Member Connect Contact Centre, and, of course, in-branch—DUCA is accessible 24/7 
A community philosophy of “profits with a purpose” culminating in the creation of the DUCA Impact Lab (www.ducaimpactlab.com), a charitable foundation committed to helping the credit challenged and underbanked.  This led to DUCA's designation as a B-Corp certified organization, the first ever credit union to receive this global recognition.
A career with DUCA means you’ll find endless opportunities to make a difference with your unique abilities and perspectives. Our people live their purpose while helping others Do more, Be more and Achieve more with their money and their lives.  At DUCA, you’ll be part of a vibrant and collaborative team where you’ll be supported to excel and make an impact, no matter what role you play. 
Credit Manager, Business Banking and Specialized Lending 
DUCA is looking for a Credit Manager, Business Banking and Specialized Lending to join our growing team! 
Job Purpose & Summary
The Credit Manager, Business Banking (also known as Small Business Banking in the financial services industry) and Specialized Lending is accountable for adjudicating small business Member loans and high net worth Member loans secured by investments and insurance through sound credit granting principles. Credit decisions will be kept within the parameters of DUCA’s risk appetite and tolerances, and comply with DUCA’s policies, procedures, and guidelines. 
By developing strong relationships with both the Business Banking and Specialized Lending Teams (“Lending Team”) and external partners, this position ensures Member satisfaction and support the healthy and sustainable growth of DUCA’s Business Banking and Specialized Lending loan portfolio. 
As a senior credit professional, this position is involved in monitoring market conditions and any regulatory changes that require changes to credit policies, procedures, and guidelines related to Business Banking and Specialized Lending.
Key Accountabilities & Duties

Review and adjudicate credit applications and transactions within assigned credit limits in a timely manner
Provide independent, objective reviews and approvals to credit applications and other matters which have been agreed to and/or recommended by the Lending Team
Review all loan applications and reviews prior to submission to senior management, to ensure the completion of due diligence and adherence to DUCA’s policies and guidelines
Provide decisions and approvals on adjudicated credit transactions/applications and communicate effectively with Management to ensure rationale and decision is clearly understood
Review commitment letters and draw requests to ensure credit terms and conditions are respected
Write succinct credit memos or credit announcements to communicate credit perspective and rationale for new credits and credit extensions
Communicate with the Lending Team about specific credit applications and transactions to seek further information and modifications, if needed; discuss appropriate structuring for the deal and criteria required for approval; ensure that all information is credible, accurate, and relevant, including analysis and evaluation of the technical aspects (e.g., financial analysis, credit terms, structure, and collateral)
Respond to and resolve escalated issues raised by the Lending Team
Support DUCA’s Lending Team to ensure Member satisfaction
Support the healthy and sustainable growth of a profitable Business Banking and Specialized Lending loan portfolio by ensuring the credit granting provided is within DUCA’s prescribed asset quality standards
Provide support, when needed, to review and adjudicate commercial credit requests including new credit requests and annual reviews for approval at the appropriate lending authority.
Assess the impact of regulatory changes to existing policies, procedures and guidelines; monitor market conditions and make recommendations for enhancements to existing / creation of new policies, procedures and guidelines
Provide support in strategic projects, policy and process improvements initiatives related to Business Banking and Specialized Lending
Provide additional coverage for Specialized Lending credit reviews, adjudication and other matters related to investment lending
  Occupational Experience & Education Requirements

Bachelor’s Degree in business or a related field; or equivalent work experience with small businesses and / or high net worth lending within the financial industry
Pursing or having a CFA/CGA/MBA is considered an asset
Minimum 4-6 years Business Banking and / or high net worth lending underwriting / adjudicating experience is required
Minimum 4 years knowledge of financial statement analysis
Financial Statement analysis experience
Knowledge, Skills & Attributes

Sound credit judgement with demonstrated ability to understand the risk return trade-off and come up with well thought-out solutions to mitigate credit risk
Ability to articulate complex credit applications into succinct and balanced recommendations
Knowledge of various due diligence reports related to investment and insurance lending (Insurance Policies, Insurance Discussion Papers, Financial Statements, Tax Documents, Investment Statements, Pension Statements, etc.)
Understanding of commitment letters and other legal documents from a credit perspective
Understanding of Business Banking and high net worth banking/lending practices and end-to-end credit process
Understanding and knowledge of Commercial credit an asset.
Strong verbal and written communication skills with the ability to organize business information and develop it into cohesive, professional reports and presentations
Analytical skills and exceptional attention to detail
Highly developed critical thinking, problem-solving capabilities and excellent project management, planning, organizational, and time management skills with ability to handle complex multi-task assignments
Proficiency with MS Office Suite of products, including Excel
Experience working with a banking software
Ability to work in a dynamic and fast-paced environment, under pressure and with time-sensitive deadlines
Collaborates well in a team environment
Working Conditions

Normal office environment
Department: Retail Credit 
Primary Location: Corporate Office 
Employment Status: Full-time
Hours per Week: 38
Salary: The annual salary range for this position is $80,494 to $100,617.  Actual annual base salaries will vary depending on relevant job-related factors such as experience, knowledge, skills, qualifications, and education/training. This position may be eligible for discretionary bonuses.
Number of Existing Vacancies: 1

DUCA is committed to employment equity and encourages applications from all qualified candidates. Recruitment related accommodations will be provided upon request.
Our hiring process includes AI screening for keywords and minimum qualifications. Talent Acquisition Partners review all results.
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.