What are the responsibilities and job description for the Member Solution Specialist position at West Virginia Central Federal Credit Union?
The position of Director of Member Solutions performs direct supervisory duties of department staff, coordinates staff for coverage in all related areas of the department, and is required to be fully knowledgeable and skilled in all areas of lending and deposits. The position also is responsible for training, coaching and tracking the lending staff to assure adherence to policy and procedures. Works to access lending growth goals as set by the credit union. Will oversee the production of documentation relating to the opening, underwriting and closing of all loans and deposits accounts. Ensure that all activities adheres to state and federal laws, regulations and credit union lending policies and procedures. Also provide a high level of member relations and service and assure all staff does the same.
Essential Functions & Responsibilities:
75% Responsible for training and coaching the Solutions Specialists on all loan, deposit and insurance
products and services in order to meet the goals of the credit union.
Responsible for weekly tracking and reporting of loan growth, cross-sells and when offered
incentives to their immediate supervisor.
Audit work flow to determine timeliness, accuracy and to assure that proper decisions are being
made.
Track all loan applications to assure that all loan officers are addressing all current and pending
loan applications in a timely manner.
Assure the credit union is meeting the goals that are set for loan growth and insurance sales.
Assure that all Solutions Specialist are adhering to our loan philosophy and credit union
determined work flow.
Work with other management to continually analyze and adjust our lending philosophy and
procedures to assure that WV Central is meeting our member’s needs.
25% Works with the marketing specialists in developing loan promotions.
As needed, work with members on loan and account needs.
As needed, approve and disburse loans to help the department during high volume time periods.
Performance Measurements:
1. Ensure the department is providing professional, timely, personal service to all members and
associates by quickly responding to all messages and correspondence. All correspondence should occur
same day at the very latest. .
2. Develop and maintain a highly qualified staff possessing knowledge of all lending products and rates both
with the credit union and the industry as a whole, sufficient to meet the
daily lending demands of our members.
3. Ensure all lending and account activity is in compliance with established policies, procedures, rules
and regulations.
4. Ensure the department meets or exceeds established standards and that direct reports achieve
100% of their individual goals.
5. Required to keep the credit union informed regarding key operational issues affecting the department.
6. Continuously coach Solutions Specialists and give and receive feedback on a monthly basis.
Knowledge and Skills:
Experience Three years to five years of similar or related experience.
Education (1) A two-year college degree, or (2) completion of a specialized certification or licensing,
or (3) completion of specialized training courses conducted by vendors, or (4) job-specific
skills acquired through an apprenticeship program.
Interpersonal Skills Motivating or influencing others is a material part of the job. Outside contacts become
important and fostering sound relationships with other entities (companies and/or
individuals) becomes necessary and often requires the ability to influence and/or sell ideas
or services to others. The role requires a significant level of trust or diplomacy.
Other Skills 1. Knowledge of the secondary market and experience with first and second mortgage
residential real estate lending; must have proven track record of selling and servicing loans.
2. Must have working knowledge of regulations affecting mortgage lending.
3. Must have good communication and supervisory skills.
3. Must have working knowledge of spreadsheets and word processing software; be able to
use PC and general office equipment including 10-key calculator.
Physical Requirements
The physical demands described here are representative of those that must be met by an
employee to successfully perform the essential function of this job. While performing the
duties of this job, the employee is regularly required to talk or hear, and stand and walk.
The employee frequently is required to use hands to finger, handle and feel; and reach with
hands and arms. The employee may occasionally lift up to 10 pounds. Specific vision
abilities required by this job include close vision, distance vision, peripheral vision, depth
perception, and ability to adjust focus. The employee must be able to read and comprehend
a credit report and have the ability to analyze data collected.
Work Environment This job operates in a friendly and professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopies, scanners, filing, and fax
machines. The noise level in the work environment is usually moderate.