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 Assurance Analyst
DUCA is looking for a Credit Assurance Analyst to join our growing team! 
Job Purpose & Summary
The Credit Assurance Analyst supports the Retail & Commercial Credit Management Team. This position is responsible for analyzing Retail and Commercial Lending files to ensure compliance to the underwriting and documentation standards as per DUCA’s policies and procedures. 
The Credit Assurance Analyst implements audit strategies and conducts audits of DUCA and external business partner retail and commercial credit files. This position also reviews, prepares, and cleanses credit files in preparation of regulatory, internal and mortgage insurers annual audits.
The Analyst acts as a second line of defense for DUCA by reviewing retail, commercial, and small business lending including mortgages, unsecured loans/lines, auto-loans, specialized lending files, term loans, and lines of credits.
Key Accountabilities & Duties

Review all required documentation for accuracy and legitimacy, mitigating DUCA’s risks related to anti-money laundering (AML) and anti-terrorist financing (ATF).
Works independently and makes quick decisions with respect to data elements and the various analysis to be taken.
Conduct post-funding, delinquency and decline reviews.
Review sample files for mortgage pool purchases as directed.
Implement quarterly Provincial Property Security Agreement reviews for Small Business Banking and Specialized Lending files.
Enhanced Due Diligence reviews to be implemented when required.
Conduct employment verification independently or through external partner portal.
Perform follow-up reviews to determine appropriate actions are taken on reported findings and that desired results are achieved.
Ensure that exceptions if any are identified and escalated as per policy.
Stay abreast of DUCA policies, guidelines, and lending products to support recommendations or decisions related to credit files.
Updates and retrieves data for reporting purposes.
Ensure that all reviews are inputted accurately in review database.
Stays current on regulatory developments related to Credit Risk.
Provide regular feedback regarding credit and risk performance and discrepancies and find solutions to identify defects.
Provide appropriate recommendations regarding credit trends and/or issues.
Work with the sales teams, internal and external stakeholders to comply with regulatory and risk requirements.
Inform relevant parties on any identified gaps and recommend corrective actions.
Assist in preparing for internal audits and regulatory reviews.
Deliver effective credit risk analysis to aid in the development and implementation of policies, strategies, scorecards, monitoring and guidance for DUCA’s Credit portfolios.
Collaborate with credit adjudication and credit operations to validate and refine credit process controls. 
Occupational Experience & Education Requirements

Post-secondary degree in a business-related field.
Minimum of 5 years mortgage experience, including exposure to both conforming and non-conforming mortgage products.
Knowledge Unsecured, Small Business Banking and Specialized lending products.
Recent experience in a fulfillment, conventional underwriting or quality assurance or control position within the banking industry.
Knowledge of mortgage default insurers’ lending programs and requirements.
Keeping up with the latest mortgage industry knowledge, B20, B21 and Anti-Money Laundering Legislations and market trends.
Current working knowledge of all consumer loan policies and procedures, as well as credit scoring, risk scores, and monitoring systems. 
Knowledge, Skills & Attributes

Strong understanding of real estate secured lending, unsecured lending, auto-loans, commercial lending documentation review.
Knowledge of all conventional and government underwriting guidelines for Credit Unions
Strong knowledge and understanding of credit underwriting, administration, and monitoring practices.
Negotiation, analytical and problem-solving skills to be able to identify trends, patterns, and anomalies in retail and commercial lending underwriting practices.
Ability to work on the Loan Origination System or strong aptitude to learn new systems
Accuracy and attention to detail and time management skills
Excellent investigation skills
Exceptional attention to detail and solid multi-tasking skills
Excellent time management skills
Ability to follow AML & ATF practices
Ability to succeed under pressure and work in team
Strong written and verbal communication skills
Ability to build relationships at all levels
Strong proficiency with MS Office software
Results Oriented
Working Conditions
Normal office environment
Department: Retail Credit
Primary Location: Corporate Office - 5255 Yonge Street, North York, M2N 6P4
Employment Status: Full-Time
Hours per Week: 38
Number of Exsisting Vacancies: 1
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.
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. 
Accounts Payable, Accountant 
DUCA is currently looking for an Accounts Payable, Accountant to join our dynamic team!
Job Purpose & Summary
The Accounts Payable, Accountant serves as the primary contact for DUCA’s end-to-end accounts payable cycle. This role ensures all invoices are processed and paid accurately and on time, while supporting the Finance team with period-end closing activities including reconciliations. This position is independently responsible for the accounts payable function, including verifying and reconciling invoices, monitoring expenses, and maintaining detailed records. Additionally, this position prepares journal entries, performs account reconciliations, and assists with closing processes. 
Role: 70% accounts payable 30% accounting reconciliations
Key Accountabilities & Duties

Organize and identify the nature of invoices to efficiently process them to proper GLs
Ensure approvals from the appropriate business units in accordance with delegation of authority matrix
Process weekly payments via cheques, wires and EFT for approved invoices, and monitor bi-weekly Accounts Payable Aging to ensure timely payment
Book the bank transfers in the core banking system, make credit card payments, and ensure accuracy and timeliness.
Book month-end and year-end accruals, book prepayments, book journal entries, void payments and monitor vendor information where required
Co-ordinate the transition from cheque and wire payments to EFT payments
Reconcile vendor statements, serve as the point of contact for invoice-related inquiries, and resolve issues promptly
Respond to incoming calls and emails from vendors; address, redirect, or escalate as appropriate
Review employee travel and expense reports for proper coding, approval, and policy compliance; coordinate with employees where required
Work closely on project related expenses to review and determine appropriate accounting treatment (capital or expense)
Prepare reconciliations for the month-end and year-end close processes. Investigate and remediate reconciling items by working with internal and external stakeholders.
Assist with annual audits and business units’ requests for invoices
Assist in analyzing and documenting significant periodic expense variances
Help determine opportunities to streamline processes, identify automation opportunities, eliminate unnecessary or redundant tasks, and improve governance and oversight
Develop and implement accounts payable procedures by documenting and analyzing current procedures and recommending changes
Complete other accounting related duties, as required 
Occupational Experience & Education Requirements

2+ years of accounts payable related working experience
Understanding of principles of finance, accounting, and bookkeeping required
Degree in (or working towards) Accounting, Finance or Commerce considered an asset 
Knowledge, Skills & Attributes

Strong analytical and communication skills (written and oral)
Strong understanding of accounting principles
Strong mathematical and data entry skills
Ability to multi-task with a high level of attention to detail and accuracy in a deadline driven environment
Ability to prioritize tasks and manage an increased workload and demands during peak periods
Strong computer skills including Microsoft Word, Excel, and Adobe
Ability to establish and maintain effective working relationships with co-workers at all levels within the organization
Strong problem-solving and investigative skills, and the ability to make sound recommendations
Demonstrated discretion and confidentiality when handling sensitive information 
Working Conditions

Normal office environment with standard work week of 38 hours with additional time required to meet deadlines and project deliverables.
Department: Finance 
Primary Location: Corporate Office 
Employment Status: Full-time 
Hours per Week: 38
Number of Existing Vacancies: 1
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.
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. 
Network Engineer
DUCA is looking for a Network Engineer to join our growing team! 
Job Purpose & Summary
The Network Engineer will configure, maintain, and secure DUCA’s network infrastructure, comprised of LAN, WAN and VOIP network environments across corporate offices and branches, datacenters, and cloud. This role will contribute to a positive, collaborative team environment.

Key Accountabilities & Duties

Deploy and maintain Cisco network switches and routers
Review, troubleshoot, and maintain Palo Alto firewalls & policies
Configure and optimize software defined datacenter networking (VMware NSX-T)
Investigate network infrastructure issues (including configuration review, packet inspection, etc.)
Define, document, and enforce network systems & standards including network security policies and network access monitoring and controls
Facilitate network tasks related to DUCA IT technology roadmap projects & initiatives
Assist in short and long-term planning for network technology roadmap (including cross-technology and cross-platform configurations, resiliency & High Availability)
Manage patching & security compliance of network devices
Administer certificates & public DNS with appropriate third-party services
Create  templates and baseline configurations for network devices
Manage backup & recovery of network configurations, and ensure high availability configurations are validated to support business continuity; participate in disaster recovery testing when required
Facilitate technology audits in network categories as required
Working with the cybersecurity team to ensure security tools are properly in place and configured optimally.  This would include vulnerability scanning, IPS/IDS solutions.
Provide insight to prioritization and scope of security remediations based on networking knowledge & experience
Share knowledge and collaborate with team members including systems engineers, system administrators, and IT support staff
Work with 3rd party service providers and vendors to support the network infrastructure
Occupational Experience & Education Requirements

Bachelor’s degree in Computer Science or a related technical discipline, or the equivalent combination of education, technical certifications or training, or work experience
5+ years working in an IT related field
3+ years working in a network administration capacity
Palo Alto firewall & policy management experience required
Proven experience with software defined networking (including VMware NSX-T & SD-WAN technologies
CCNA, CCNP certifications or equivalent Cisco networking experience
Load Balancer, DNS & Certificate Management experience
Experience deploying and life cycling wireless infrastructure (e.g., Ruckus) an asset
MPLS networking experience an asset
Networking configurations in public cloud environments (AWS) an asset
VOIP experience an asset
Knowledge, Skills & Attributes

Proven networking fundamental skills
OSI model
Routing/Switching (including OSPF & BGP)
IP Subnetting & NAT
VPN (IPsec, GRE, IKE)
Layer 2 Connectivity including VLANs & Trunking

Understanding of ACL’s & role-based access controls
Implementation skills of redundant switch networks using Spanning Tree Protocol
High level understanding of HSRP and VRRP to facilitate routing redundancy
Comfortable in CLI environments, including basic scripting
Familiar with PAN-OS next-gen firewall administration
Excellent troubleshooting capability
Independent contributor with the ability to self organize as well as ability to work with a team for specific projects and initiatives
Strong oral and written communication skills with the ability to interact with employees at all levels of the organization
Strong documentation skills in creation of blueprints & reference configurations, training material, etc.
Demonstrated organization, prioritization, and time management skills with the ability to manage multiple tasks with tight deadlines
Ability to maintain confidentiality when dealing with sensitive information
Working Conditions
This position will require some travel within the GTA to DUCA branches and data centres. It will also require occasional evening and weekend work, sometimes with little advanced notice.
Department: Information Technology
Primary Location: Corporate Office - 5255 Yonge Street, North York, M2N 6P4
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. 
Treasury Operations Specialist
DUCA is looking for a Treasury Operations Specialist to join our growing team! 
Job Purpose & Summary
The Treasury Operations Specialist is responsible for core operational elements of the Treasury function. Key aspects of the role relate to operational excellence across all Treasury teams (primarily securitization as well as cash management and funding) and includes analysis, reporting, policy and procedure support, as well as overseeing and/or completing the accurate and timely execution, settlement and posting of transactions, etc. 
Overall, the Treasury Operations Specialist is expected to operate with a high degree of collaboration, accuracy, and attention to detail with a drive to deliver outstanding service to external stakeholders as well as internal stakeholders.
 Key Accountabilities & Duties
Securitization

Collaborate with Treasury leadership to provide input into the overall timing for key activities from an operational perspective regarding government insured (Canada Mortgage and Housing Corporation / CMHC) and non-government securitization programs
Accurately analyze, prepare, and distribute Securitization documentation while adhering to strict reporting deadlines including but not limited to Pool Maker, Pool Manager as well as existing and new bulk insurance
Supports ongoing operational and administrative elements of non-government securitization programs, including but not limited to, monthly reporting and settlement with Asset Backed Commercial Paper programs
Proactively works with all key stakeholders, including but not limited to, Consultants, Issuers, Custodians, Swap Counterparties, and other related parties to ensure strict deadlines are adhered to
Monitor changing market conditions and business risks and proactively identify required changes to DUCA processes
Lead and initiate collaboration with third-parties regarding pricing and set-up of National Housing Act Mortgage Backed Securities (NHA MBS) as High Quality Liquid Assets (HQLA) pools
Computation of revenue recognition of HQLA income and expenses while adhering to all submission reporting deadlines
Accurately analyze and prepare ongoing accounting entries and reconciliations, including posting of General Ledger (GL) entries, of on and off-balance sheet securitization balances and related payments
Lead in the analysis and recording of daily data relating to Securitization cash flows payments for all Issuers ensuring correct payments are received
Analyze and prepare reporting of Securitization maturities as a Percentage of Regulatory Capital
Develop, document, and maintain Securitization procedures
Prioritize and adjust work activities according to the Treasury team’s overall activities
Lead the coordination of documentation and communication workflows to support deal-flow for additional credit union securitization support, including but not limited to, Multi-Unit Residential Buildings (MURB) 2.0, while operating within strict deadlines
Cash Management

Collaborate with Treasury leadership to provide input into the overall timing for key activities from an operational perspective
Leads the accurate and timely execution and approval of wire transactions in conjunction with banking partners and relevant internal parties.
Leads agreements and signing authorities for key counterparties including, but not limited to, credit facilities, investment accounts and bank accounts.
Leads implementation of processes for posting and updating Branch foreign exchange currency rates as well as execution of foreign exchange currency spot transactions in an accurate and timely fashion.
Funding

Track, analyze, and report competitor pricing and market trends in client-name Branch and Broker Term Deposit channels and recommend changes to the pricing to meet funding requirements
Accurately prepare and distribute rate change sheets for client-name Branch and Broker Term Deposits
Achieve agreed upon targets for Market Linked (ML) term deposits by collaborating with internal and external parties as well as recommending product enhancements
Administer the ML GIC program including, but not limited to, executing deal-flow of ML term deposit business for other credit unions that DUCA administers, accounting entries, reconciliation, reporting, and collaboration with key stakeholders like DUCA Deposits Administration department and external hedging counterparty(ies)
Create and post, or review and release, Treasury related outgoing wire transactions
Review and process Treasury related incoming wire transactions along with associated service charges
Prioritize and adjust work activities according to the Treasury team’s overall funding strategy
 Investment Shares and Other Share Initiatives

Leads the reconciliation of investment share and other share offering initiatives
Establishes models to monitor redemptions in each class to ensure redemptions do not breach regulatory maximums
Ensures all committed shares are validated with appropriate supporting documents
 Other Duties

Supports the timely posting and reconciliation of all relevant Treasury General Ledger accounts, reimbursement of Member funds as well as monthly, quarterly and year-end compliance, processing and reporting requirements
Supports the team with ad-hoc data analysis
Supports Treasury deliverables for Management Committees including, but not limited to, Management Risk Asset Liability Committee (MRACLO) and Consolidated Risk Review (CRR) Committee
Supports ongoing and new internal and external audits, related to Treasury Operations
Other duties, as assigned
 Occupational Experience & Education Requirements

Post-secondary education, with a specialization in Finance preferred
Bachelor’s degree in finance, economics, accounting, or related area of study
3-5 years’ experience in Finance and/or Securitization
Experience building financial models
Retail banking experience considered an asset
Credit Union experience considered an asset
 Knowledge, Skills & Attributes

Excellent Microsoft Office skills including proficiency with Excel and Word
Excellent written and oral communication skills
Experience using Bloomberg and a Banking System, specifically DNA, is considered an asset
Proven problem-solving and investigative skills
Able to take ownership of projects and manage multiple simultaneous priorities
Ability to work quickly and accurately, with outstanding attention to detail and meticulous organizational skills
Good judgement and decision-making capabilities
Ability to prioritize, adapt to change, and work in a fast-paced environment
A self-motivated team player that is results oriented
 Working Conditions
Normal office environment with standard work week of 38 hours with additional time required to meet deadlines and project deliverables.
Department: Treasury 
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. 
Member Service Representative  

DUCA is currently looking for a full-time Member Service Representative to join our dynamic West Region branches! Travel required to Guelph and Orangeville branches. 
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: West Region Branches - Guelph and Orangeville 
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 Service Representative
DUCA is currently looking for a full-time Member Service Representative to join our dynamic Guelph 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: Guelph Branch - 779 Woolwich Street, Guelph, Ontario , N1H 3Z2
Employment Status: Full-Time 
Hours per Week: 38
Salary: The annual salary range for this position is $40,643 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. 
Commercial Banking Analyst 
DUCA is looking for a Commercial Banking Analyst 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 objectivesEffective 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 new Financial Services Officer to join our dynamic Willowdale 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: 5290 Yonge St, North York, ON M2N 5P9
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. 
Mobile Mortgage Specialist
We are looking for new Mobile Mortgage Specialists in multiple locations! 
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: Mobile - Multiple Locations 
Employment Status: Full-time
Hours per Week: 38
Number of Existing Vacancies: 6
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. 
Financial Services Officer
We are looking for a new Financial Services Officer to join our dynamic Pickering 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: Pickering Branch
Primary Location: 650 Kingston Rd #2, Pickering, ON L1V 1A6
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.