Job Listings

ACCOUNTABILITY

Under the supervision of and accountable to the Branch Supervisor/Manager.

PRIMARY RESPONSIBILITIES

• Makes decisions on the credit worthiness of loan applicants.
• Counsels members on loan options and financial considerations.

ESSENTIAL FUNCTIONS

• The functions listed describe the business purpose of this job.  Specific duties or tasks may vary and be documented separately.  The employee might not be required to perform all functions listed.  Additional duties may be assigned, and functions may be modified, according to business necessity.
• Employees are held accountable for successful job performance.  Job performance standards may be documented separately, and may include functions, objectives, duties or tasks not specifically listed herein.
• All functions, duties or tasks are to be carried out in an honest, ethical and professional manner, and to be performed in conformance with applicable credit union policies and procedures.  In the event of uncertainty or lack of knowledge of company policies and procedures, employees are required to request clarification or explanations from their superiors or management.

1. Counsels members on loan options and financial considerations.
2. Verifies application information for completeness and accuracy.
3. Decides the credit worthiness of loan applicants.
4. Secures proper signatures on loan paper and revises payroll deductions if necessary.
5. Obtains an updated credit Bureau infile.
6. Records liens on titled collateral loans.
7. Requests evidence of insurance coverage on secured loans.
8. Accepts loan application information over the phone.
9. Mails adverse action notices to rejected loan applicants.
10. Cross-sells other credit union services.
11. Processes IRA’s and certificate of deposit.
12. Opens new accounts and provides required new member information.
13. Administers collateral protection insurance program.
14. Records loan papers when paid.
15. Processes death claims for insurance purposes.
16. Must demonstrate commitment, dependability and respect for other employees with regular attendance, punctuality and adherence to agreed-upon schedule of availability.

MINIMUM QUALIFICATIONS AT ENTRY

Additional qualifications may be specified and receive preference, depending upon the nature of the position.

Education/Experience:

• High school diploma or GED required.  College credits desired.
• Experience in loan interviewing required.

Competencies (as demonstrated through experience, training, and/or testing):

• The ability to properly address members; either by telephone or in person.

• Ability to interpret instructions furnished in written, oral, diagrammatical, or schedule form.
• Ability to use personal computers and office productivity software.
• Ability to communicate clearly and concisely.
• Ability to interact effectively at all levels and across diverse cultures.
• Ability to be an effective team member and handle projects responsibly.
• A cooperative, positive attitude in relations with members and other employees.
• Ability to write original correspondence.
• Planning, organizing, and project coordination skills.
• Ability to maintain professional composure when dealing with emotional or confrontational circumstances.
• Courteous telephone manner
• Aptitude for figures and detail work.

WORKING CONDITIONS (Physical/Mental Demands)

With or without reasonable accommodation, requires the physical and mental capacity to perform effectively all essential functions. In addition to other demands, the demands of the job could include:

Sedentary work. Exerting up to 10 pounds of force occasionally and/or negligible amount of force frequently or constantly to lift, carry, push, pull or otherwise move objects. Repetitive motion. Substantial movements (motions) of the wrists, hands, and/or fingers. The worker is required to have close visual acuity to perform an activity such as: preparing and analyzing data and figures; transcribing; viewing a computer terminal; extensive reading.