Apple FCU is deeply rooted in the community; we value and embrace workplace diversity. We believe our employees are our most valuable asset, so we are committed to providing professional development and assisting in career journeys. Apple FCU also offers a robust benefits package, including health; vision; dental; 401(k) contribution match; tuition reimbursement; guaranteed 11 federal holidays; paid time off; paid volunteer time; TEAM Bonus plan and much more.

Additional Workplace Highlights:

• Named 2022 Best Credit Unions to Work For by American Banker
• Named 2021 Washington Post Top Workplace
• Named 2021 Best-In-State Credit Union and Best Credit Union in Northern Virginia by Forbes
• Diverse, friendly work environment, progressive management staff
• 21 branches in Northern Virginia with easy commuting distance

Job Duties:

Under general supervision, deepen member relationships by assessing financial needs through proactive sales and service activities. Perform teller transactions using TCR, originate consumer loans within the underwriting guidelines; this includes application input, data input, compiling necessary statistics, and loan disbursal. Incorporates The Apple Way into daily activities, providing friendly, courteous and professional service to external and internal members. The staff member will qualify potential members, complete all required steps to open deposit accounts and online/mobile services. Additionally, the staff member will gather information to complete consumer on applications, member requests for information and/or account maintenance. The staff member will use established Apple Federal Credit Union sales techniques to assist in achieving individual and related sales goals. Performs duties and responsibilities in accordance with The Apple Way principles, of Team Up, Serve With Purpose, Challenge Yourself and Own It. Remains cognizant of and adheres to credit union policies and procedures, and regulations pertaining to the Bank Secrecy Act. Performs other job duties as assigned by the Branch Manager. 

*** Candidates who meet the minimum requirements of the position may be sent a required online assessment to the email address listed in the application. **

Responsibilities: 

• Proactively greets members, assesses reasons for branch visit, and assists members accordingly
• Processes transactions such as deposits, withdrawals, and account transfers. Balances checks and cash to daily cash received vouchers
• Inputs all required loan application data into the appropriate computer systems, promptly and accurately, to include generation and correct completion of all required loan documents. This is to support a timely and accurate underwriting review for final decision and ensuring Apple Federal Credit Union security interest in protected.
• Functions as a “trusted advisor” to Apple members by recommending appropriate products and services and counseling on how to improve members’ financial situation.
• In compliance with Apple Federal Credit Union policy and procedure, accurately completes all required paperwork and data input for new deposit account openings, initiation of other credit union services, and application for membership.
• Provides basic account information on Loans and Shares products or existing accounts as needed to members
• Receives loan payments, checks and cash for deposit into members’ savings and/or checking accounts, verifies amount, and examines checks for proper endorsement, negotiability and inputs information into the computer system via PC
• Adheres to Apple FCU Security Policy, CTR and SAR reporting, negotiable items procedures. Refers questionable transactions to immediate supervisor.
• Provides product and/or service recommendations to members based on thorough needs assessment.
• Responsible for cross-selling credit union products and services to members. Cross-sells other products as identified through the needs assessment
• Provides information to members via face to face or telephone. This information may include, but is not limited to, alternative loan products. For example, rates, terms and collateral requirements
• Utilizing the policy and procedure outlined in the Loan Underwriting Guidelines, calculates all key financial ratios’, collateral valuation, and verifies the source data used for these calculations (e.g. Income verification)
• Inputs comments and records member activity in the Synapsys MRM as needed
• Stays abreast of and follows all Apple FCU products, services, policies, and procedures. Meets all internal training requirements for this position, annually.
• Researches and investigates queries and concerns regarding activity on any member held accounts, services, or products. Ensures member satisfaction by setting expectations for a timely response. Performs adjustments, corrections, or refunds fees within their authority, or seeks approval from proper parties to do so
• Identifies opportunities for cross-selling and offers Potential Sales Opportunities (PSO’s) as presented in Synapsys and refers members accordingly
• Attends and actively supports external business development and loan sale events

Qualifications-all required unless otherwise noted:

• Minimum two (2) years' experience in lending or branch operations area
• High school diploma
• Excellent positive member/customer service and interpersonal skills
• Excellent math skills and the ability to effectively communicate with members. Familiarity with teller loan documents, lending regulations and credit union policies and procedures
• Proficient in the use of Symitar for posting teller transactions and inquiry on deposit accounts and loan accounts
• Proficient in the Akcelerant to perform basic inquiry on loan applications in process, input loan applications, and disburse approved loans
• Proficient in Synapsys MRM, to act on PSO’s, create and input to events, and retrieve and read My Sales reports
• Excellent oral, written and telephone communication skills
• Attention to detail and accuracy. Keyboarding 40 w.p.m. 
• The ability to lift 25 lbs. and utilize standard office equipment including, but not limited to, PC, fax, copier, telephone, etc
• Ability to function in a financial institution environment
• *Spanish speaker preferred*

Employment Type:Full-Time

Location: 5701-D Columbia Pike, Falls Church, VA 22042

*** Apple Federal Credit Union values, encourages, and implements diversity in the workplace.

As an equal opportunity employer, Apple Federal Credit Union does not discriminate in employment with regard to race, color, religion, national origin, citizenship status, ancestry, age, sex (including sexual harassment), sexual orientation, marital status, physical or mental disability, military status or unfavorable discharge from military service or any other characteristic protected by law.

All selected candidates will be subject to credit and background checks to determine employment eligibility. ***