Loan and Member Services Representative

Member Service Representative – Sovita Credit Union

Location: Flint, MI

• Provide quality service to members and team members as defined by the credit union's service standards at all times.
• Warmly acknowledge and greet members with a sincere smile upon arrival at one of our offices.
• Proactively promote credit union products and services to save members time and money.
• Comprehensive knowledge of all credit union products and services, as well as the related policies, procedures, rules and regulations.
• Accurately process member requests in person and over the phone, such as transferring/withdrawing funds; provide monetary instruments such as cashier's checks; open/close various account types; assist with account maintenance requests on accounts, IRAs, certificates of deposit and other credit union products.
• Handle member challenges and complaints in a way that is consistent with the Credit Union's service standards. Take ownership by resolving issues or connecting the member with the right team member for specific information and assistance.
• Assist members in person, by telephone, or electronically with the loan application process to ensure completeness of information. Perform all basic loan application functions, such as interviewing, obtaining/analyzing credit reports, verifying debts, analyzing collateral (pull NADA values) and calculating debt-to-income/unsecured ratios. Guide members through the loan process and present loan options in a consultative manner.
• Accurately process loans, complete loan documents, close, and disburse loans when approved. Audit loans to ensure all documentation is complete and accurate.
• Assist members in filing GAP, credit disability, and credit life insurance claims.
• When a loan is denied, explain reasons for denial in a professional, courteous manner. Work with member to provide recommendations or alternative options for other possible ways to secure a loan in the future.
• Develop and grow member relationships by following the credit union's new member onboarding process, follow-up programs and other activities as assigned.
• Assist in balancing department/branch at the end of day and other nightly duties.
• Comply with and maintain an up-to-date and comprehensive knowledge of all related policies, procedures, rules and regulations.
• Ensure that all information and transactions regarding credit union members are kept confidential. Enforce strict adherence to established security procedures.
• Perform other duties as assigned.

• Admit members to Safe Deposit Boxes. Process new applications for Safe Deposit boxes.
• Perform duties of a teller when needed.

Seniority level: Entry level

Employment type: Full-time

Job function: Other