SUMMARY
Interviews loan applicants and processes applications. Gathers background information and analyzes credit history. Serves as liaison between member and the Credit Union. Provides account information, opens new accounts, and handles member's daily credit union needs. This position requires the employee to be service-oriented, self-motivated, and to be able to perform a variety of tasks.
ESSENTIAL DUTIES AND RESPONSIBILITIES
- Include the following. Other duties may be assigned.
- Cross-sells a wide array of credit union products including loan products, deposit products and electronic services such as CUAnywhere and online banking.
- Meets established goals for acceptable penetration or monthly sales numbers on all ancillary loan products.
- Interviews applicant and requests specified information for loan application. Ensures loan agreements are complete and accurate according to policy.
- Serves as subject matter expert and provides assistance to members about products that best meet their needs.
- Acting supervisor in the absence of the Branch Manager. This includes the opening and closing of branch as needed.
- Works loan to obtain approval from centralized lending and then closes loan with member. Responsible for securing liens on motor vehicles, and ensuring that the right documentation includes appropriate lien position on home equity loans.
- Opens new accounts, checking, certificates, money markets, IRA or CD accounts. Verifies eligibility for new account and processes through ChexSystems prior to opening new accounts. Processes check orders for members.
- Responsible for maintaining a working knowledge of lending procedures, Credit Union guidelines, Lending Software, and the benefits and features of all loan products.
- May perform the following teller duties: receives checks and cash for deposit, verifies amount, and examines checks for endorsements. This includes loan payments and processing credit card payments and cash advances. Cashes checks and pays out money after verification of signatures and member balances. Places holds on accounts for uncollected funds in accordance with Advancial policies and procedures. Apply payments to AFCU loans, credit card payments and cash advances. Enters customers' transactions into computer to record transactions, and issues computer generated receipts.
- Responsible for picking up and processing the Night Drop deposits from the branch ATM.
- .Responsible for correcting all new account exceptions or transactional errors under Teller Number.
- Provides account information and handles member's daily credit union needs. Provides a variety of transaction services to members in the branch and by phone such as balance inquiry, transfer of funds, history information, stop payments or photocopy of check(s), etc. This includes researching and resolving member concerns.
- Processes and balances bond redemptions when necessary.
- Makes copies and files correspondence and other records on a daily basis.
- Opens and closes the branch as needed.
- Performs miscellaneous duties such as assisting in monitoring supplies and end of day and end of month audit procedures.
- Maintains a positive and caring atmosphere for members and employees consistent with the Credit Union's mission and philosophy.
- Ensures positive relationships with the branches, internal departments and external partners.
