• Promote credit union products and services based on member needs as determined from member interviews. Maintain current knowledge of all credit union’s services and polices. Maintain knowledge of competitor’s rates, terms, etc., as well as internal trends relation to lending. Counsel members on dividend rates and cross-sell services offered at the credit union.
• Accurately and efficiently processes transaction and service requests.
• Responsible for accurate handling and maintaining of all cash/negotiable instruments and end-of-day balancing.
• Assist members in the completion of Individual Retirement Account and Savings Certificate applications. Open new savings accounts, certificates, assist members with wire transactions, closing accounts, security breaches, deceased accounts, stop payments and account disputes.
• Process new account information including ensure compliance with Customer Information Program (CIP), verifying eligibility, ordering checks, issuing/ordering debits cards, assist with set-up of electronic services, ensure collections of appropriate signatures, and assist with other ancillary account products.
• Provide loan applications and/or information to members and prospective members.
• Analyze and process consumer loan applications. Pull credit reports for all accounts, varying debts, estimate monthly payment for any outstanding debts not listed, and perform other underwriting processes as applicable.
• Assist member with information as to the status of pending loans. Explain reasons for denial and explore options for members when loans are denied.
• Ensure accurate processing of loans by ensuring that each one is properly documented, closed, disbursed, coordinated, and filed.
• Ensure that all information and transactions regarding credit union members are keep confidential.
• Enforce strict adherence to established security procedures. Assist members with discrepancies and complaints. Make corrections and adjustments on account if necessary.
• Participates in marketing campaigns or promotions with communication to members and prospective members.
• Performs other duties as required.

• Provides excellent member service both internally and externally.
• Achieves new accounts and loan production volumes as determined.
• Comply with all rules, regulations and procedures relating to member accounts, loans, and IRA information.
• Performs work with accuracy and completeness.
• Consistently display timeliness in the management of projects
• Demonstrate professionalism by exercising sound judgment and creativity and by representing the credit union in a positive manner.
• Be a trusted source of clear and accurate information to the members

Education/Certification:

• High school diploma, GED, college degree or equivalent work experience required.

Required Knowledge:

• Must be proficient in MS Office Suite.
• Thorough knowledge of member services and products
• Knowledge of credit union loan services, policies, and procedures.
• Understanding of lending standards and documentation.
• Knowledge of consumer lending practices.

Experience Required:

• Two to three years prior experience in branch operations that include loan and new account processing.
• Two to three years customer service experience.
• One to two years sales experience.
• Credit union industry experience a plus.

Skills/Abilities:

• Able to multi-task, work under pressure and meet deadlines.
• Excellent customer service & interpersonal skills.
• Able to work in a fast-paced environment.
• Effective and clear verbal and written communication skills.
• Able to prioritize workload and meet deadlines.
• Excellent analytical, creative, and problem-solving skills.
• Able to work independently and make sound decisions.

Repetitive Motion:

Movements frequently and regularly required using wrists, hands, and/or fingers.

Communication Skills:

Must frequently convey detailed or important instructions or ideas accurately and quickly.

Visual Abilities:

Average visual acuity necessary to read, prepare and inspect documents or products.

Hearing:

Able to hear average or normal conversations and receive information.

Physical Strength:

Sedentary work (sitting most of the time).  Able to lift and carry up to 25 lbs.

Reasoning Ability:

Able to apply common sense understanding to carry-out detailed instructions and to deal with problems involving variables.

Mathematics Ability:

Able to perform basic math skills including adding, subtracting, multiplying and dividing using a calculator.

Language Ability:

Able to write complex sentences using normal word order with present and past tenses, as well as a command of the English vocabulary.

Working Conditions:

Air-conditioned, smoke-free office setting.

Attendance Requirements:

Please note that scheduled attendance requirements may change due to business needs.

Business Hours:

Monday through Saturday.  Business hours are subject to change.  Must be able to work additional hours, weekends, and holidays as needed.