Careers

Duties

• Contacts delinquent accounts by phone, e-mail, mail or any other acceptable means that are available. Analyzes financial situation of delinquent borrowers and takes appropriate action to help bring accounts current. Properly close services when required.
• Maintains accurate files and proper collection notes, and reports on collection activity.
• Completes collection functions in accordance with established policies and procedures as well as applicable legal requirements.
• Assists members with setting up automatic payments. Helps set up FSP on negative share drafts as needed.
• Ensures confidentiality and professionalism is maintained.

Duties:

• Effectively combines product knowledge and member information to provide appropriate products that help members with their mortgage needs. 
• Interviews loan applicants to obtain required financial information.
• Assembles required documentation necessary to take loan applications to underwriting for approval.
• Remains in continual contact with the borrower during the entire loan process, providing updates on the loan status as well as collecting additional documentation requested by the underwriter if necessary.
• Assures loan file is complete.  Provides all necessary supporting documents for member files.  When appropriate, closes loans, delivers products and reviews terms and conditions with the member.
• Makes timely follow-up contacts as appropriate to fully enhance member relationships and exceed service expectations.
• Assists with development of policy and procedures, staff resources, education, and training.

Qualifications:

• Three to five years of similar or related experience
• Two year college degree or equivalent knowledge attained through on the job experience
• Strong communication skills both written and verbal
• High attention to detail
• Good follow through ability
• Effective time management skills and sense of urgency
• Ability to uphold confidentiality
• Professionalism

Responsibilities

• Makes consistent and sound decisions involving verification of documents and signatures.
• Tracks and communicates the status of indirect contracts in house and conducts regular follow up to obtain missing documentation.
• Verifies and inputs demographics, employment and loan information into core system.
• Works with Credit Analysts and Indirect Program Manager to maintain and build business relationships with Indirect Dealer Partners, including suggesting and implementing improvements to Indirect Program.
• Collaborates with Credit Analysts to ensure prompt funding of contracts.
• Assures Credit Union’s rights and interests are protected through proper documentation and lien perfection.
• Efficiently and reliably completes loan processing and funding in accordance with established policies and procedures.
• Adheres to all Credit Union compliance and procedural requirements.

Qualifications

• One to twelve months of similar or related experience including time spent in preparatory positions.
• High School Diploma or General Education Degree.
• Strong communication skills and high attention to detail.
• Significant level of trust, diplomacy and professionalism.

Responsibilities

• Responsible for establishing and maintaining exceptional financial relationships with members by ensuring all staff are acting in their best interest.  Includes looking at members’ entire financial picture and promptly resolving all requests and questions.
• Continually coaches staff, in order to improve branch productivity and meet established goals.  Ensures personnel are well trained in all phases of their respective jobs.  Completes orientation of new employees in overall branch procedures.
• Conducts regular sales meetings, reviews and analyzes branch activity reports and coaches to achieve desired results.
• Responsible for strategizing and planning for branch business development to meet established goals.  Becomes involved in appropriate community activities and Preferred Partners, particularly in and around their branch. 
• Ensures branch operations are conducted in accordance with established Credit Union policies and procedures and within legal and regulatory requirements. Stays current on operational procedures.
• Oversees staff scheduling and practices efficient labor utilization.  Administers time and attendance for assigned staff.
• Responsible for maintaining proper cash controls by ensuring all transactions are balanced at the close of each day, staff are following all proper policies and procedures, and cash audits for all teller drawers, cash items and vaults are performed regularly as required.
• Responsible to see that branch expenses are well-managed and adequate supplies and equipment are available.
• Ensures proper maintenance and general housekeeping of the building, grounds, work areas, desks and equipment is carried out, including ice and snow removal.

Qualifications

• Three years of related experience in a financial institution with a minimum of two years of supervisory experience.
• College degree. Equivalent knowledge attained through on the job experience will be considered.
• Proven Leadership and supervisory skills.
• Strong communication skills both written and verbal.
• Attention to detail and good organizational skills.
• Ability to apply analytical thinking to recommend solutions involving multiple variables.
• Ability to perform math skills including computation of ratios and percentages.
• Ability to prepare business letters, proposals, summaries and reports.
• Conducts training, communicates well at panel discussions and able to create professional presentations.