What are the responsibilities and job description for the Member Service Officer position at WCCU Credit Union?
JOB REQUIREMENTS: The Member Service Officer provides a full range of
products and services to members with an emphasis for acquiring,
expanding, and enriching member relationships. They must be able to
identify and analyze member needs and desires so that they can
adequately recommend products and services that best match member needs
as embodied by Westby Co-op Credit Union and in accordance with
procedures. Principal Duties and Responsibilities: Lending
Responsibilities: Contacts members throughout the loan decision process
to gather background information on applicants by interviewing and
obtaining credit bureau reports, determines if the member qualifies for
a loan or if additional collateral/ co-signors are needed, verify
member\'s signature on loan documents, and approve or deny loan
requests. Calculates debt-to-income ratios on loan applicants, estimates
monthly obligations, and determines member\'s ability to repay debt
along with securing collateral, when necessary. Records and verifies all
reasons for decision. Explains decision to members and outlines terms,
fees, and conditions of the loan. Offers ancillary products to members
when appropriate, including Debt Protection, GAP Insurance, and Extended
Warranty coverage. Responsible for following up on delinquent loan
accounts, insurance needs and other issues that may arise. Follows
procedures for loan documentation and maintains orderly files on each
account with complete and accurate detailing of all correspondence.
Keeps abreast of changes in consumer, commercial, business, and
agricultural lending trends as they apply. May approve or decline a loan
application based on lending authority level. Other job-related duties
as may be necessary to carry out the responsibilities of this portion of
the role. Member Service Responsibilities: Follow the WCCU Way and WCCU
Values and Service Standards. This includes maintaining a positive,
professional demeanor when interacting with members, proactively
greeting and assisting members and providing welcoming and friendly
service. Perform duties, including but not limited to, maintaining
comments and notes on accounts, handling currency, basic deposits,
withdrawals and payments, issuance of negotiable instruments and cash
advances. Adheres to all balancing, cash, check-cashing and related
policies, or procedures. Executes check negotiation procedures to ensure
regular, foreign and onus checks are processed for payment. Performs
inquiries and generates statements for members to assist with financial
information questions. Complies with Bank Secrecy Act legislation and
Requirements. Process Requests For Members Who Order Checks. Educates
members on products, services, fees, and policies regarding their
financial information. Always maintains the integrity of our
confidentiality policy, including maintaining a neat work area so
confidential information is not compromised. Works with others in their
department to maintain, organize and revise member financial
information. Properly enter information into the computer program(s)
regarding transactions, holds, statements, order requests and other
related transactions. Maintain an expansive, up-to-date knowledge of
products, services, fees, and regulations to assist members and
co-workers accurately and efficiently. Maintenance of ATM machine in
designated office. Remove or add joint owners to membership accounts.
Assist with debit card needs including, new cards and replacement cards.
Scan account information into computer system. Add savings or checking
accounts for existing personal members who make the request. Prepare
gift cards for members who purchase them. Make contributions to HSA
accounts. Redeem savings bonds. Complete and maintenance stop payment
requests from members. Prepare counter checks, casher checks and
corporate checks. Assist members with access to their safe deposit box.
Assist with the initial request for embers who want to complete a wire
transaction. Add or renew Certificate of Deposits for member who make
the request. Help a member with fraud situations including but not
limited to debit cards, credit cards, ACH, and checks. Complete Red
Flags folders for members who are victims of identity theft. Process
foreign currency orders/exchanges through Continental Currency Services.
Assist in ordering cash/coin from Fed and sending cash/coin back to the
Fed. Bag removal/basic maintenance/troubleshooting of coin machine. Use
and basic maintenance of TCR. Process mail transactions (deposits, loan
payments, loan payoffs, mortgage payments, mortgage payoffs. Process
member\'s dividend checks that opt to have the interest paid back to
them by check. Open new accounts for individuals and entities interested
in becoming a WCCU member. This includes all business and all personal
accounts offered within WCCU. Knowledgeable in business services,
including but not limited to, business membership & related accounts,
online banking, online bill pay, merchant services, remote deposit
capture, ACH origination, and corporate credit cards. Discuss deposit
options, pricing for equipment/software, etc. with current & potential
business members. Specialize in, and serve as, a resource for
\"specialized\" accounts, i.e., Trust accounts. Perform opening,
contribution and withdrawal transactions on IRA and HSA accounts. Open,
assign or close safe deposit boxes for members who wish to rent them.
Assist other MSRs in help with hostile situations. Resolve advanced
check scanning issues in Image Center-ITC. Other job-related duties as
may be necessary to carry out the responsibilities of this portion of
the role. Mobile Branch Responsibilities: Provides coverage as needed.
Occasional weekday, evening and Saturday rotations may be scheduled in
Advance For Special Community Events. Additional Physical Requirements
Ability to maneuver, life and carry hose lines for emptying black tank.
Ability to bend, reach, lift and apply 5-10 pounds of pressure when
washing the vehicle. Daily stair climbing (3-5 stairs). \*\*\*\*\* OTHER
EXPERIENCE AND QUALIFICATIONS: Previous financial and cash handling
Experience Desired. Excellent Communication Skills And Proven
effectiveness when working with members and staff. Also work in a
courteous, respectful, and efficient manager. Comprehend consequences of
various situations and refer them to the appropriate staff for
resolution. Ability to perform basic mathematical calculations. Ability
to work with a wide range of personalities in a courteous, effective,
and efficient manner. Knowledge and ability to apply current financial
service industry standards, laws, and regulations. Ability to present
ideas, report facts and other information clearly and concisely. Basic
knowledge of the Microsoft Suite (Outlook, Word, Excel, PowerPoint).
Proficient operation of a variety of general office equipment such as a
computer, software applications, typewriter, copier, calculator,
telephone, copy machine, fax machine and other similar devices or
programs related to the position. \*\*\*\*\* APPLICATION INSTRUCTIONS:
Apply Online
https://recruiting.paylocity.com/recruiting/jobs/All/b9944418-e383-4000-853f-3d5b60a36394/Westby-Coop-Credit-Union
products and services to members with an emphasis for acquiring,
expanding, and enriching member relationships. They must be able to
identify and analyze member needs and desires so that they can
adequately recommend products and services that best match member needs
as embodied by Westby Co-op Credit Union and in accordance with
procedures. Principal Duties and Responsibilities: Lending
Responsibilities: Contacts members throughout the loan decision process
to gather background information on applicants by interviewing and
obtaining credit bureau reports, determines if the member qualifies for
a loan or if additional collateral/ co-signors are needed, verify
member\'s signature on loan documents, and approve or deny loan
requests. Calculates debt-to-income ratios on loan applicants, estimates
monthly obligations, and determines member\'s ability to repay debt
along with securing collateral, when necessary. Records and verifies all
reasons for decision. Explains decision to members and outlines terms,
fees, and conditions of the loan. Offers ancillary products to members
when appropriate, including Debt Protection, GAP Insurance, and Extended
Warranty coverage. Responsible for following up on delinquent loan
accounts, insurance needs and other issues that may arise. Follows
procedures for loan documentation and maintains orderly files on each
account with complete and accurate detailing of all correspondence.
Keeps abreast of changes in consumer, commercial, business, and
agricultural lending trends as they apply. May approve or decline a loan
application based on lending authority level. Other job-related duties
as may be necessary to carry out the responsibilities of this portion of
the role. Member Service Responsibilities: Follow the WCCU Way and WCCU
Values and Service Standards. This includes maintaining a positive,
professional demeanor when interacting with members, proactively
greeting and assisting members and providing welcoming and friendly
service. Perform duties, including but not limited to, maintaining
comments and notes on accounts, handling currency, basic deposits,
withdrawals and payments, issuance of negotiable instruments and cash
advances. Adheres to all balancing, cash, check-cashing and related
policies, or procedures. Executes check negotiation procedures to ensure
regular, foreign and onus checks are processed for payment. Performs
inquiries and generates statements for members to assist with financial
information questions. Complies with Bank Secrecy Act legislation and
Requirements. Process Requests For Members Who Order Checks. Educates
members on products, services, fees, and policies regarding their
financial information. Always maintains the integrity of our
confidentiality policy, including maintaining a neat work area so
confidential information is not compromised. Works with others in their
department to maintain, organize and revise member financial
information. Properly enter information into the computer program(s)
regarding transactions, holds, statements, order requests and other
related transactions. Maintain an expansive, up-to-date knowledge of
products, services, fees, and regulations to assist members and
co-workers accurately and efficiently. Maintenance of ATM machine in
designated office. Remove or add joint owners to membership accounts.
Assist with debit card needs including, new cards and replacement cards.
Scan account information into computer system. Add savings or checking
accounts for existing personal members who make the request. Prepare
gift cards for members who purchase them. Make contributions to HSA
accounts. Redeem savings bonds. Complete and maintenance stop payment
requests from members. Prepare counter checks, casher checks and
corporate checks. Assist members with access to their safe deposit box.
Assist with the initial request for embers who want to complete a wire
transaction. Add or renew Certificate of Deposits for member who make
the request. Help a member with fraud situations including but not
limited to debit cards, credit cards, ACH, and checks. Complete Red
Flags folders for members who are victims of identity theft. Process
foreign currency orders/exchanges through Continental Currency Services.
Assist in ordering cash/coin from Fed and sending cash/coin back to the
Fed. Bag removal/basic maintenance/troubleshooting of coin machine. Use
and basic maintenance of TCR. Process mail transactions (deposits, loan
payments, loan payoffs, mortgage payments, mortgage payoffs. Process
member\'s dividend checks that opt to have the interest paid back to
them by check. Open new accounts for individuals and entities interested
in becoming a WCCU member. This includes all business and all personal
accounts offered within WCCU. Knowledgeable in business services,
including but not limited to, business membership & related accounts,
online banking, online bill pay, merchant services, remote deposit
capture, ACH origination, and corporate credit cards. Discuss deposit
options, pricing for equipment/software, etc. with current & potential
business members. Specialize in, and serve as, a resource for
\"specialized\" accounts, i.e., Trust accounts. Perform opening,
contribution and withdrawal transactions on IRA and HSA accounts. Open,
assign or close safe deposit boxes for members who wish to rent them.
Assist other MSRs in help with hostile situations. Resolve advanced
check scanning issues in Image Center-ITC. Other job-related duties as
may be necessary to carry out the responsibilities of this portion of
the role. Mobile Branch Responsibilities: Provides coverage as needed.
Occasional weekday, evening and Saturday rotations may be scheduled in
Advance For Special Community Events. Additional Physical Requirements
Ability to maneuver, life and carry hose lines for emptying black tank.
Ability to bend, reach, lift and apply 5-10 pounds of pressure when
washing the vehicle. Daily stair climbing (3-5 stairs). \*\*\*\*\* OTHER
EXPERIENCE AND QUALIFICATIONS: Previous financial and cash handling
Experience Desired. Excellent Communication Skills And Proven
effectiveness when working with members and staff. Also work in a
courteous, respectful, and efficient manager. Comprehend consequences of
various situations and refer them to the appropriate staff for
resolution. Ability to perform basic mathematical calculations. Ability
to work with a wide range of personalities in a courteous, effective,
and efficient manner. Knowledge and ability to apply current financial
service industry standards, laws, and regulations. Ability to present
ideas, report facts and other information clearly and concisely. Basic
knowledge of the Microsoft Suite (Outlook, Word, Excel, PowerPoint).
Proficient operation of a variety of general office equipment such as a
computer, software applications, typewriter, copier, calculator,
telephone, copy machine, fax machine and other similar devices or
programs related to the position. \*\*\*\*\* APPLICATION INSTRUCTIONS:
Apply Online
https://recruiting.paylocity.com/recruiting/jobs/All/b9944418-e383-4000-853f-3d5b60a36394/Westby-Coop-Credit-Union