Account Administration​/Loan Processor

The ideal candidate is passionate about delivering superior service to our members. The Financial Services Representative is responsible for interviewing members to identify products and services that best fit their financial needs. The Account Administration/Loan Processor uses their knowledge of Credit Union products and services, including deposits, IRAs, Trust Accounts, and consumer loans, to provide excellent service to our members. Also acts as a liaison to our core sponsor to increase membership and engagement in the Credit Union.

• Demonstrate our Core Values and First-Class Service Standards in all aspects of the job.
• Open new membership accounts, trust accounts and enhance the membership with supporting products and services that are convenient and gives peace of mind.
• Provide applicable disclosures for new accounts and lending products
• Determine collateral needs and payment plans for members applying for loans.
• Review credit report upon account opening to verify identity and look for additional cross-sell opportunities
• Interviewing, processing and disbursing consumer loan requests. Verify debts and estimate monthly payment for any outstanding debts not listed and add them to the debts on application. Calculate debt to income ratios.
• Cross-sell additional member loan benefits such as MBI, GAP and Debt Protection.
• Obtain a copy of members’ auto insurance policies and verify if the deductibles are within credit union policy and that the credit union is listed as lien holder
• Explain reasons for denial and explore options for members when loans are denied
• Process and order VISA Credit Cards
• Open IRAs and Share Certificates
• Identify problems, research and analyze issues from different perspectives
• Timely and correct processing of loan and DMV files.
• Ensure that collateralized loans have the appropriate title work, documentation and fees so that a completed title is received within 90 days of funding
• Follow Credit Union safety and security procedures
• Maintain knowledge on all state and federal regulations related to lending and branch operations
• Maintain a professional and courteous demeanor with all people, including fellow employees, members, management staff, board, supervisory members and outside vendors
• Assist other members and employees by answering questions, solving problems and helping complex work related matters
• Assist with business development activities when warranted including New Employee Orientation and site visits.
• Meet or exceed goals on their scorecard
• Call members or send correspondence to create business and increase lending pipeline
• Complete projects in a timely manner
• Process IRA reports and RMDs in an efficient and timely manner
• Act as the liaison between the credit union and employee groups to develop new membership opportunities.
• Conduct presentations and seminars to our employee group and their employees.
• Prepares visitation schedule and prepares weekly call reports.
• Perform outbound calls to secure visits at post office locations.
• Perform outbound calls to cross-sell products and services to new and existing members.
• Develops new member relationships by attending postal employee meetings and events.
• Actively participate in all sales and service activities, goals and responsibilities as requested.
• Communicate regulary and effectively with management to ensure corporate goals are met.
• Participates in the development and execution of business development plans.
• Generate awareness that drives brand loyalty.
• Keep abreast of industry trends, competition, and new opportunities.
• Perform other duties as assigned

• Minimum of 2 years’ experience in a Credit Union or, financial institution performing similar job duties is preferred.
• Excellent verbal and written communication skills, including writing business correspondence.
• Excellent interpersonal skills
• Ability to work 32+ hours a week, Monday through Friday
• Hold Notary appointment
• Strong problem-solving skills and possess the ability to make sound judgment decisions.
• Goal driven and able to meet or exceed established cross-sell goals
• Must be proficient in job related technology applications including the Credit Union’s operating…