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 Orangeville 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.
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: Orangeville Branch
Primary Location: 16 Broadway Orangeville, ON L9W 1J4 
Employment Status: Full-time
Hours per Week: 38
Salary: The annual salary range for this position starts at $40,634. Actual annual base salaries will vary depending on relevant job-related factors such as experience, knowledge, skills, qualifications, and education/training. Depending on the position, DUCA’s total compensation package may include incentive compensation tied to company and individual performance or other benefits. 
Number of Vacancies: 1


DUCA is committed to employment equity and encourages applications from all qualified candidates. Recruitment related accommodations will be provided upon request.
Qualified applicants are encouraged to submit their application. Applications must include a resume. 
We thank all applicants but only those considered for an interview will be contacted.

Why DUCA? 
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. 
Assistant Vice President, Treasury
DUCA is looking for an Assistant Vice President, Treasury to join our growing team! 
Job Purpose & Summary
While leading DUCA’s Treasury function, the AVP, Treasury is responsible for executing strategies and tactics that ensure compliance with current policies while proactively identifying and recommending enhancements that support the company’s growth and evolving business needs. This role requires continuous monitoring and reporting of real-time market dynamics and economic trends to inform decision-making. The AVP, Treasury ensures that balance sheet and liquidity policies remain aligned with the company’s risk appetite and strategic objectives, while also driving the execution of a forward-looking Treasury strategy that supports long-term financial resilience and operational agility.
The AVP, Treasury will help DUCA achieve its strategic objectives by introducing improvements to treasury performance and risk analytics spanning capital, Asset Liability Management (ALM), and liquidity initiatives. With a focus on department wide process and procedure improvements, the AVP, Treasury will lead and support key initiatives and improvement in reporting and communications to internal and external stakeholders including senior management, Board, regulator, rating agencies, and investors.
Key Accountabilities & Duties

Leads by example: consistently demonstrates 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”
Collaborate with Treasurer to support the development and implementation of the treasury strategy and contribute to the overall development of the department commensurate with DUCA’s growth and evolving complexity. Execute on strategic treasury initiatives as needed including funding strategies, capital optimization initiatives, capital raising initiatives, balance sheet transactions, rating agency presentations, merger and acquisition activities, and financing and securitization
Monitor relevant market and/or regulatory trends that may impact DUCA and develop solutions or strategies to mitigate potential risks
Lead and direct Treasury team, ensuring annual and long-term direction is understood and objectives met; create and implement short- and long-term resourcing plans to support DUCA’s ongoing growth and development
Identify opportunities and lead the analysis and execution of treasury / balance sheet transactions to support the funding, asset-liability management (ALM) of the Credit Union and the generation of economic returns
Ensure treasury department activities are in compliance with treasury policies, accounting guidelines, governance policies and internal controls
Within designated limits, manage cash and investment portfolios; oversee cash management banking as well as implementing new bank technologies, products, and services to improve the cash cycle
Oversee liquidity management by reviewing daily cash flow reports and outstanding borrowings; evaluate and act on investment recommendations from the Liquidity Team to optimize short-term cash deployment and ensure sufficient working capital availability
Lead short and medium-term cash forecasting process and analysis to ensure visibility, predictability, and access to liquidity
Facilitate the preparation of the monthly Asset Liability Committee (ALCO) package
Lead oversight of the third-party vendor responsible for developing DUCA’s interest rate risk model(s); critically evaluate model assumptions, challenge methodologies, and ensure timely documentation of assumption changes within ALCO in response to evolving market conditions and business objectives
Participate in liquidity discussions with the Executive Leadership Team around leading indicators related to current Liquidity Level per the Liquidity Contingency Plan (LCP)
Operationalize, improve, and manage the capital and liquidity stress-testing process and prepare the Internal Capital Adequacy Assessment Plan report for the Board and regulator
Assess and manage the foreign currency risk management program including exposure identification and determination of hedging strategies
Oversee and manage the securitization program ensuring compliance with policy limits
Act as key pivot point and relationship management contact with:
Banks, finance companies, and rating agencies
Asset/portfolio managers in the management of HQLA and other investment portfolio(s), as appropriate
Third parties for wholesale and other funding sources.

Assist the Treasurer with projects and analysis; prepare related business cases and presentations for review by internal and external stakeholders
Attend ALCO meetings to present and effectively communicate Internal Capital Adequacy Assessment Process (ICAAP) and Internal Liquidity Adequacy Assessment Process (ILAAP) results and analyses.
Occupational Experience & Education Requirements

Bachelor's degree in Accounting, Economics, Finance, or a related field required
8+ years’ progressive experience managing internal treasury functions and teams within the financial services industry including interest rate risk analysis, liquidity management, securitization, and stress-testing
Minimum 5 years of people management experience with senior level leadership experience preferred
EMBA or MBA an asset
Certified Treasury Professional (CTP) designation an asset
Professional designation (CA, CGA, CMA / CPA, CFA,) an asset
Knowledge, Skills & Attributes

Seasoned professional with in-depth financial services market and product knowledge
Advanced skills in capital markets, financial instruments (eg: REPO, swaps, investment analysis, management and decisioning), debt instruments, financial analysis, ALM, balance sheet management, securitization, and accounting
Strong working knowledge of Bloomberg Terminal, with the ability to navigate and apply its features to support Treasury operations and market monitoring; including using its tools for market analysis, financial data retrieval, and decision support.
Demonstrated leadership abilities with proven experience in leading, motivating, and developing a high-performance team
Strategic thinker with strong business acumen to see the big picture and identify emerging risks and opportunities
Proficiency in Microsoft Office suite with advanced Excel skills
Highly developed written and verbal communication skills
Exceptional financial modeling and data driven decision-making skills
Exceptional organizational skills with the ability to work independently and effectively to meet deadlines
Ability to prioritize and handle multiple strategic or tactical initiatives concurrently
Highly analytical and detail-oriented
Strong interpersonal, negotiation, and relationship management skills
Ability to identify, assess, and manage risks while meeting business objectives
Working Conditions
Normal office environment; may require extended hours in preparation for quarterly board meetings and special projects.
Department: Finance
Primary Location: Corporate Office - 5255 Yonge Street, North York, M2N 6P4
Employment Status: Full-Time
Hours per Week: 38
Salary: The annual salary range for this position starts at $113,128. Actual annual base salaries will vary depending on relevant job-related factors such as experience, knowledge, skills, qualifications, and education/training. Depending on the position, DUCA’s total compensation package may include incentive compensation tied to company and individual performance or other benefits. 


DUCA is committed to employment equity and encourages applications from all qualified candidates. Recruitment related accommodations will be provided upon request.
Qualified applicants are encouraged to submit their application. Applications must include a resume.
We thank all applicants but only those considered for an interview will be contacted.

Why DUCA? 
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, Commercial Credit Operations
DUCA is looking for a Director, Commercial Credit Operations to join our growing team! 

Job Purpose & Summary
The Director, Commercial Credit Operations position is responsible for leading, coaching the Commercial credit Funding & Administration team and oversees the administration of new deals post-underwriting through to, and including funding along with the existing portfolio.
This position plays a lead role in the risk management of the business as it relates to securing valid enforceable security on every mortgage and ensuring full adherence to the Credit Union policies, procedures, and regulatory requirements. The Director leads by example and continuously fosters effective relationships within the Credit Union and with external professionals (lawyers, etc.), while striving for superior operational quality, ensuring processing is completed within the parameters of the Credit Union regulatory requirements and focus on operations excellence to achieve daily, weekly, and monthly targets.
Key Accountabilities & Duties
Funding and Administration

Ensure Funding and Administration processes and practices are efficient, effective and Member centric. Some of these processes and practices include:
Funding conditions management
Credit and security documentation
Funding of loans
Security registration
New account set ups

Ensure Funding and processes Administration and practices keep pace with overall growth objectives and are scalable for future growth. Identify gaps or areas for improvement and make recommendations for enhancements to senior management
Implement, monitor, and measure the overall success of enhancements or changes made to process, practices, and policies
Operational Efficiencies/Risk Management

Co-ordinates and oversees the work flow and processes for the Credit Administration and Commercial teams to ensure maximum operational efficiencies and effectiveness.
Analyzes and recommends any automation required for the department for existing functions. i.e. Origination System, amortization calculators, renewals, pay out statements, etc.
Recommends and implements additional reports and/or procedures to best identify and measure key credit and reputational risk areas for the credit union.
Accountability

Accountable to Senior Management Team to ensure that all credit/funding administration meets regulatory, Member service and senior management criteria, delivering results as outlined in the annual business plan
Secondary accountability to the VP Internal Audit to identify and report suspected fraud and wrongdoing which will place the credit union at jeopardy either through financial or reputational loss. 
People Management

Recruit, build and grow an effective team with a Member-centric and customer service mindset
Communicate business objectives and translate them into an action plan for team members
Monitor, review and evaluate performance of team members
Delegate responsibilities and decisions
Mentor, coach and develop team members
Relationship Management

Build and grow an effective network of business partners and manage relationships with external vendors and professionals
Monitor, review and evaluate performance of business partners or vendors
Ensure appropriate contracts, controls and oversight are in place in relationships with business partners or vendors
Regulatory and Legal Compliance

Ensure Funding and Administration processes and practices are compliant with Regulations and Credit management policies
Provide input and advice on the development and enhancement of Credit Management policies
 Occupational Experience & Education Requirements

Post-secondary education or equivalent experience in business, finance, or related field
6-8+ years of credit experience, including commercial credit administration or funding, including exposure to both construction and syndication lending
Experience of working in close coordination with underwriters, legal firms and syndication partners is must
Experience managing regulatory and internal audits
Expert level knowledge of credit and security conditions and compliance/regulatory requirements
3+ years of experience managing people
 Knowledge, Skills & Attributes

Knowledge of relevant government, insurer and regulatory requirements for retail and commercial lending and related consumer products
Ability to work across functions in a collaborative manner
Collaborative leadership style with strong interpersonal skills, including the ability to develop, nurture, and build relationships with internal and external partners
Strong communication and presentation skills – ability to present recommendations to senior leaders
High level of initiative in seeking solutions to challenges and maintaining up to date with industry
Strong people management skills with a passion for coaching, growing, and mentoring a team
Capacity to cope with a high degree of ambiguity and change
Innovative and creative thinker – able to think outside the box to develop solutions
 Working Conditions
Normal office environment
Department: Commercial Administration 
Primary Location: Corporate Office, 5255 Yonge Street, North York 
Employment Status: Full-time
Hours per Week: 38
Salary: The annual salary range for this position starts at $102,250. Actual annual base salaries will vary depending on relevant job-related factors such as experience, knowledge, skills, qualifications, and education/training. Depending on the position, DUCA’s total compensation package may include incentive compensation tied to company and individual performance or other benefits. 
Number of Vacancies: 1

DUCA is committed to employment equity and encourages applications from all qualified candidates. Recruitment related accommodations will be provided upon request.
Qualified applicants are encouraged to submit their application. Applications must include a resume.
We thank all applicants but only those considered for an interview will be contacted.

Why DUCA? 
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, Commercial & Business Banking
DUCA is looking for a Vice President, Commercial & Business Banking to join our growing team! 
Job Purpose & Summary
Reporting to the Chief Commercial Banking Officer, the Vice President, Commercial & Business Banking will independently develop new business, manage Member relationships, and oversee a complex deposit and loan portfolio consisting of term financing and operating loans for both the Commercial (> $1MM) and Business Banking (< $1MM) segments of DUCA’s Commercial Banking platform.  In addition to contributing to DUCA’s overall commercial strategy, this role will proactively develop and execute the strategy and tactics related to commercial and business banking financing with a focus on, and primary accountability for, achieving risk objectives and financial targets.
The VP, Commercial & Business Banking is an experienced leader who creates a positive, collaborative environment while building a well-respected and identified in-market brand 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

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”
Lead and direct a high-performing Commercial & Business Banking team; ensure annual and long-term direction is understood and objectives met; create a culture that fosters engagement, passion, and enthusiasm for DUCA’s vision, mission, and values; embed a Member-service excellence approach within DUCA’s established risk framework
Lead the development and execution of the commercial banking strategy; develop and maintain a profitable commercial term loan portfolio of complex loans valued between $1MM-$30MM which include term financing, commercial mortgages, and participations in loans led by other credit unions or FIs in these sectors
Lead the development and execution of the business banking strategy; develop and maintain a profitable business banking portfolio of loans valued between $50K - $1MM
Oversee DUCA’s Cash Management initiatives as they relate to deposit gathering for key strategic sectors, such as the Condominium and M.U.S.H sectors
Oversee the Account Opening Team who will be responsible for opening all Commercial and  Business Banking accounts; develop and implement a centralized Business Banking account opening process for DUCA’s branch network   
Leverage relationships with existing Members and other financial intermediaries to source new deposit relationships and loan applications; solicit business opportunities from brokers, vendor relationships, and credit union affiliations
Review and, where necessary, underwrite credit applications providing products and services which meet the clients’ needs while adhering to DUCA’s lending policies and practices; actively monitor the assigned portfolios to ensure accounts are operating as authorized and take measures necessary to remedy non-performing assets; oversee and act as a point of escalation for applications within the Commercial & Business Banking team
Implement and oversee all Government loan programs for both segments; work with other DUCA departments to ensure the funding and reporting requirements for these loans are adhered to
Build strong relationships with DUCA leaders across the organization to foster open, candid lines of communication and effective processes are in place that will ensure AOP metrics are met and the Member experience in both segments is viewed as best in class within our trading area
Build organizational and product visibility at local and regional levels; represent DUCA at community, business networking, and trade association events; join key industry associations to promote DUCA’s commercial and business banking brand within our trading area while also gathering market information
Occupational Experience & Education Requirements

Undergraduate degree in business, finance, or related area
EMBA or MBA an asset
Minimum 10 years of progressive experience in mid-market commercial lending, small business lending, relationship management, cash management and/or commercial risk management
Minimum 8 years of people management experience with senior level leadership experience preferred
Exposure to syndicated and/or shared commercial financing
Sales management experience required 
Knowledge, Skills & Attributes

Seasoned professional with in-depth commercial banking industry knowledge as well as an entrepreneurial drive including a high level of business development, networking, and lead generation skills
Strong leadership skills with a proven ability to maximize employee engagement, build, retain, and manage a highly motivated sales team
Proven abilities in coaching, mentoring, and individual employee development towards consistent performance and sales results
Strong Member-service excellence mindset with the ability to integrate this approach throughout their team
Strategic thinker with strong business acumen to see the big picture and identify emerging risks and opportunities
Highly developed negotiation and influencing skills
Problem solving and issue resolution skills
Strong business development, leadership, sales, and relationship management skills
Strong commitment to building DUCA’s Commercial Banking brand in the GTA and surrounding markets
High level of analytical, credit assessment, and underwriting skills
Demonstrated focus on profitability, portfolio growth, and asset quality
Strong interpersonal, partnership, and collaboration skills
Highly organized with the ability to multi-task and meet tight or conflicting priorities
Ability to manage complexity and the requirement to conform with regulatory, legal, and ethical rules and norms
High level of integrity, ethics and professionalism; proven ability to maintain sensitive and highly confidential information
Working Conditions
Normal office environment with some travel and after-hours requirements to attend networking and business development events
Department: Commercial Banking
Primary Location: Corporate Office, 5255 Yonge Street, North York 
Employment Status: Full-Time
Hours per Week: 38
Number of Vacancies: 1

DUCA is committed to employment equity and encourages applications from all qualified candidates. Recruitment related accommodations will be provided upon request.
Qualified applicants are encouraged to submit their application. Applications must include a resume.
We thank all applicants but only those considered for an interview will be contacted.

Why DUCA? 
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. 
Regulatory Compliance Lead
DUCA is looking for a Regulatory Compliance Lead to join our growing team! 
Job Purpose & Summary
The primary responsibility of the Regulatory Compliance Lead is to support the development, implementation and execution of DUCA’s Regulatory Compliance Management Program, excluding the AML/ATF Program*.
*Please Note: The CAMLO has the primary responsibility for the AML/ATF Program. However, the Regulatory Compliance Lead will be responsible for executing the quality assurance testing of elements of the AML/ATF Program.
The Regulatory Compliance Lead utilizes the organization’s regulatory compliance framework, systems and applications to perform regulatory compliance risk identification, control identification and evaluation, gap analysis, and any additional regulatory compliance activities that help enhance the state of organizational regulatory compliance at DUCA.
The Regulatory Compliance Lead will be responsible for supporting the Vice President, Legal & Compliance in managing regulatory compliance programs, collaborating with Compliance department senior management, some third-party service providers, and regulatory bodies, including, but not limited to FSRA, CRA, OPC, and DUCA’s internal and external auditors. In addition, there will also be some engagement with DUCA front-line business units and other functional areas within DUCA.
The Regulatory Compliance Lead will support the Privacy Officer and be relied upon by the Vice President, Legal & Compliance to lead the execution of the Privacy program on an enterprise-wide basis, including any and all subsidiaries.
 Key Accountabilities & Duties

Identify regulatory compliance requirements applicable to an Ontario credit union, including but not limited to: FATCA/CRS, Privacy/PIPEDA, CASL, Market Conduct Code, Credit Unions and Caisses Populaires Act, 2020, etc.; and
Provide Compliance department senior management and DUCA business unit leaders with the background, context and other explanatory information sufficient to ensure an organizational understanding of regulatory compliance requirements; and
Provide contextual support, as required, to operational business units in the management of regulatory compliance risk through functional operationalized processes and procedures; and
Primary functional responsibility for the implementation, maintenance, and support to business units for DUCA’s organizational regulatory compliance risk management software (i.e. Resolver); and
Utilize Resolver, and other applications (as required), to identify regulatory compliance risks, regulatory compliance controls, regulatory compliance gaps, and the allocation of regulatory risk to business unit owners; and
Conduct planned compliance testing (Quality Assurance) across all aspects of the Regulatory Compliance programs and issue reports outlining the results of those activities; and
Provide periodic reporting, including quarterly Regulatory Compliance reports, and monthly Management Compliance and Operational Risk Committee (MCORC) on any identified regulatory compliance deficiencies or gaps following the performance of self-assessments, control assessments and/or compliance testing; and
Provide data and statistics to the Vice President, Legal & Compliance for utilization of senior management and the Board to evidence the state of organizational regulatory compliance; and
Assist in the maintenance of all Level 1 Regulatory Compliance policies on an annual basis; and
Lead the execution of DUCA’s Privacy program by responding to and managing privacy breaches, leading investigations and addressing complaints, reporting on conclusions or finds internally or externally when applicable; and
Any other duties and projects as may be assigned.
 Occupational Experience & Education Requirements

Degree or diploma in a law, commerce or related financial services field; and
Minimum of four (4) years of direct experience in financial services Regulatory Compliance, including dispute resolution, Privacy, CASL and FATCA/CRS; and
Completion of dispute resolutions courses considered an asset.
 Knowledge, Skills & Attributes

Expert level skills in MS Office products, specifically Excel, Word and PowerPoint; and
High level of integrity with the ability to deal with confidential and sensitive Member and employee information with a high degree of professionalism; and
Strong knowledge of FATCA/CRS, Privacy/PIPEDA, CASL, Market Conduct Code, Credit Unions and Caisses Populaires Act, 2020, requirements as they pertain to the operation of an Ontario credit union; and
Ability to make decisions independently using sound judgment, work well under pressure and shifting priorities while meeting multiple or conflicting deadlines; and
Critical thinking and analytical skills with a focus on problem solving and continuous improvement; and
Meticulous attention to detail and very strong organizational and prioritization skills; and
Excellent verbal and written communication skills with strong interpersonal skills to successfully interact, encourage, and influence at all organizational levels, including senior leadership teams; and
Strong execution skills with attention to detail and focus on clear, realistic action steps and timelines.
 Working Conditions
Normal office environment/model. Potential for longer hours given certain demands of the job and reporting deadlines.
Department: Compliance Department
Primary Location: Corporate Office - 5255 Yonge Street, North York, M2N 6P4
Employment Status: Full-Time 
Hours per Week: 38
Salary: The annual salary range for this position starts at $69,956. Actual annual base salaries will vary depending on relevant job-related factors such as experience, knowledge, skills, qualifications, and education/training. Depending on the position, DUCA’s total compensation package may include incentive compensation tied to company and individual performance or other benefits.
Number of Vacancies: 1


DUCA is committed to employment equity and encourages applications from all qualified candidates. Recruitment related accommodations will be provided upon request.
Qualified applicants are encouraged to submit their application. Applications must include a resume.
We thank all applicants but only those considered for an interview will be contacted.

Why DUCA? 
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 new Financial Services Officer to join our dynamic Mount Pleasant 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: 245 Eglinton AvenueToronto, Ontario , M4P 3B7
Employment Status: Full-Time 
Hours per Week: 38
Salary: The annual salary range for this position starts at $57,857. Actual annual base salaries will vary depending on relevant job-related factors such as experience, knowledge, skills, qualifications, and education/training. Depending on the position, DUCA’s total compensation package may include incentive compensation tied to company and individual performance or other benefits.
Number of Vacancies: 1


DUCA is committed to employment equity and encourages applications from all qualified candidates. Recruitment related accommodations will be provided upon request.
Qualified applicants are encouraged to submit their application. Applications must include a resume. 
We thank all applicants but only those considered for an interview will be contacted.

Why DUCA? 
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. 
Facilities Administrator
DUCA is looking for a Facilities Administrator to join our growing team! 
Job Purpose & Summary
The Facilities Administrator is responsible for supporting the Facilities team with delivery of services and various office tasks. The position is the first point of contact for the Facilities department and is responsible for administrative tasks including preparing documentation, correspondence, and reports, as well as answering phone inquiries, updating databases, and other general administrative duties. The incumbent is also responsible for all mailroom operations and for maintaining supply inventories for all DUCA locations.
Key Accountabilities & Duties

Responds to all inquiries as the first point of contact for the Facilities department
Conduct research, prepare reports, and collect and consolidate data from various tools
Coordinate and meet with vendor and trade visits at Corporate Office
Dispatch vendor work for the region as a joint department function and follow up on completion and closure of work orders
Coordinate all work and maintenance of both Corporate Office and the Willowdale Branch, both during and after hours
Participate in a wide variety of committee meetings by attending departmental, health and safety, Fire Warden, and project planning meetings as a representative of the department
Coordinate receipt and filing of monthly workplace inspection forms from all locations
Administer the security system for all locations, issuing access cards and dispatching security services when warranted.
Back up on-call for security for Corporate Office and Willowdale Branch (outside of normal working hours)
Coordinates kiosk delivery and marketing products for promotional events for all locations
Create and maintain electronic and paper filing systems
Implement, monitor, and identify areas of improvement with respect to administrative processes
Collect, sort, and distribute incoming mail and items from couriers
Maintain regular pickup and delivery of internal mail
Prepare delivery of outgoing mail and items for courier including shipping and receiving documents and equipment
Maintain and stock office supplies in all locations
Responsible for keeping the mailroom, office supply spaces, and marketing inventory space organized, clean, and hazard-free
Other general administrative duties as required including scanning, filing, and organizing facilities records and documents
Occupational Experience & Education Requirements

Three (3) plus years of general administrative experience and customer service experience
Experience managing and coordinating supplies and inventory delivery considered an asset
Partial degree or diploma considered an asset, or equivalent work experience
Knowledge, Skills & Attributes

Proficient in Windows and Microsoft Office suite of products
Passion for providing outstanding customer service
Highly service-oriented team player with a proactive attitude
Excellent time management and organizational skills
Strong planning and attention to detail skills
Exceptional interpersonal skills
Proven ability to establish and maintain effective working relationships
Demonstrated ability to work under pressure, meet tight deadlines, and handle changing priorities
Strong data analysis skills
Ability to learn computer programs and software quickly and independently
Excellent communication skills – written and verbal
Working Conditions

Driver’s license and access to a vehicle, travel within the GTA to DUCA’s branches as required with ability to transport equipment and supplies
Some lifting required
Anticipated hours are Monday to Friday, 8:45am to 4:45pm with some after hours when responding remotely to security incidents
Department: Facilities 
Primary Location: Corporate Office - 5255 Yonge Street, North York, M2N 6P4
Employment Status: Full-Time 
Hours per Week: 38
Salary: The annual salary range for this position starts at $46,162. Actual annual base salaries will vary depending on relevant job-related factors such as experience, knowledge, skills, qualifications, and education/training. Depending on the position, DUCA’s total compensation package may include incentive compensation tied to company and individual performance or other benefits. 
Number of Vacancies: 1
DUCA is committed to employment equity and encourages applications from all qualified candidates. Recruitment related accommodations will be provided upon request.
Qualified applicants are encouraged to submit their application. Applications must include a resume.
We thank all applicants but only those considered for an interview will be contacted.

Why DUCA? 
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 an organically growing large Credit Union in Canada 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: Northern GTA Corridor
Employment Status: Full-Time 
Hours per Week: 38
Number of Vacancies: 1
DUCA is committed to employment equity and encourages applications from all qualified candidates. Recruitment related accommodations will be provided upon request.
Qualified applicants are encouraged to submit their application. Applications must include a resume.
We thank all applicants but only those considered for an interview will be contacted.

Why DUCA? 
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 growing 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 Yonge Street, North York, M2N 6P4
Employment Status: Full-Time 
Hours per Week: 38
Salary: The annual salary range for this position starts at $69,956. Actual annual base salaries will vary depending on relevant job-related factors such as experience, knowledge, skills, qualifications, and education/training. Depending on the position, DUCA’s total compensation package may include incentive compensation tied to company and individual performance or other benefits. 
Number of Vacancies: 1
DUCA is committed to employment equity and encourages applications from all qualified candidates. Recruitment related accommodations will be provided upon request.
Qualified applicants are encouraged to submit their application. Applications must include a resume.
We thank all applicants but only those considered for an interview will be contacted.