JOB SUMMARY:

Serve as liaison between the member and the credit union. Provide account information by phone or in person, as well as information on the full range of credit union products and services. Open accounts for members, interview, and professionally handle the member’s requests. Provide a variety of transaction services to members including loan processing, closing, and disbursal. 

MAJOR DUTIES/(ESSENTIAL FUNCTIONS):

Greet and welcome members and visitors to the credit union in a professional manner. Represent the credit union to members in a courteous and professional manner and provide prompt, efficient, and accurate service in the processing of transactions.

Opens and maintains records of shares, share drafts, money market accounts, CDs, and IRAs. Prepares documents related to opening, maintaining, and closing of deposit accounts.

Cross-sell all United Texas CU products and services. Educate and inform members of the services available. Communicate features and benefits of products. Listen to understand information presented by members to understand ancillary product needs, cross-sales, or referrals. Understand products and services offered and keep up-to-date with changes and training. Utilize cross-sales platform and tracking methods. 

Process loan applications, close and disburse loans. Prepares required documentation for review by loan personnel. Accesses credit reports and assembles loan files. Inputs information received for approved or disapproved loans from the Loan Officers into JUICE. Prepares necessary loan documents and verifies insurance requirements for collateralized loans. Closes loan and explains the lending documents to the member during closing.

Maintains the files for all outstanding loans. Maintains loan folders according to credit union audit policies.

Assists branch staff as needed.

Investigates and resolves problems with members' accounts.

Credit Union’s contact for reporting lost/stolen debit cards.

Handle requests from members for transfers of shares to loan payments, share withdrawals, check requests, CD transactions, line of credit advances, and any other requests received from members.

Verify re-issue warning list for debit card renewals.

Opens and maintains records of safe deposit boxes (Main Office/Medical Center).

Assist with gathering information from members regarding fraud/forgery claims.

Follow all policies, procedures and regulatory requirements during the course of business.

MINOR DUTIES/(NON-ESSENTIAL FUNCTIONS):

Issues stop payments on CU Checks/Money Orders and reissues replacement checks, as necessary. 

Documents requests regarding wire transfers and forwards to designated department. 

Completes and forwards Estate Settlement Checklist to Manager/Supervisor.

Places stop payment requests on the system.

Verifies all items are deleted on closed account forms.

Issues and maintains log of temporary checks.

Performs notary services.

Performs any and all duties as assigned by the Manager/Supervisor for the benefit of the credit union.

Images work on a daily basis.

RELATIONSHIPS:

Works with the members and all credit union personnel.

HIRING AND EDUCATIONAL REQUIREMENTS:

High school graduate.

One year of experience in new accounts/consumer lending preferably with a credit union or other financial institution.

Must be familiar with an online computer system and basic PC operation.

Must be people-oriented and organized.

Must possess strong sales acumen. 

PHYSICAL REQUIREMENTS:

Must be able to walk long distances and lift at least 25 pounds.

Must be able to sit for long periods of time.

Should be able to bend and stoop for short periods.

This job description is not considered a contract of employment, any aspect of the job can change at any time, and the duties and qualifications listed above are not all inclusive.