Service One Credit Union
  • 05-Jun-2020 to Until Filled (CST)
  • Glasgow, KY, USA
  • Hourly
  • Full Time

Health, Dental, Vision, Life/AD&D, LTD, FSA, PTO, Paid Holidays, 401 (K) Plan, Corporate Gym Membership andTuition Reimbursement


Position Summary

This position is responsible for providing exceptional service to our members from the loan application to approval process. The SLRS will promote and actively cross-sell Credit Union loan and deposit products and services. Responsible for performing a broad variety of financial services such as opening new accounts and assisting members with any account issues. Actively builds relationships with new, current, and prospective members. Demonstrates teamwork through positive interaction and cooperation with fellow associates, members of management and other departments. Supports and promotes the Credit Union's Vision, Mission and Core Values.

Primary Responsibilities

  • Originates, processes, and closes consumer loans according to established policies and procedures.
  • Evaluates and verifies loan applications and credit criteria, computes debt ratios, verifies employment and income, determines value of collateral.  Requests additional information if required.
  • Generates new business and services existing members.
  • Assists individuals in establishing membership and opening deposit product accounts according to established policies and procedures.
  • Assess member needs and recommends the best product or service.
  • Initiates calls to members utilizing lead lists generated internally to increase membership and loan applications.
  • Maintains compliance with Federal laws and regulations set forth by the National Credit Union Administration (NCUA) and other regulatory agencies.
  • Offers alternative recommendations for non-conforming loans.
  • Assists members with opening and closing accounts. 
  • Answers questions about products and services and assists with problem resolution. 
  • Directs members to appropriate departments for specific information and service.
  • Identifies cross sell opportunities and cross sells products and services to members based on their needs.
  • Recommends credit life, disability, and mortgage insurance. 
  • Assists in servicing loans by processing items such as payoff, refinances, problem loan arrangements, address changes, payment extensions, collateral releases, and payment due date changes.
  • Perform such duties as may be required from time to time for the overall management and operation of the Credit Union.

Additional Responsibilities

  • Develops connections and maintains involvement in the community.
  • Maintain all correspondence and documentation through the consumer loan underwriting and decision process and ensure documentation is archived in document retention system.
  • Coordinate the preparation and issuance of adverse action letters to members.

Educational/Experience Requirements

  • Bachelor's degree in a related field.
  • 3-5 years of experience in a Lending and Relationship role.
  • Customer service background.
  • Equivalent work experience may be substituted for education requirement.

Qualifications

  • Demonstrated track record in a lending and relationship role.
  • Strong communication skills; understanding how to tailor product and service solutions to members with differing needs.
  • Advanced knowledge and understanding of related legal and regulatory standards.
  • Proven sales experience, particularly in cross-selling products and services.
    Advanced knowledge of consumer lending practices.
  • Working knowledge of commercial and mortgage lending.
  • Ability to work various schedules and on Saturdays as needed.
  • Ability to travel to other branches as needed. 

 

Full Job Description




Service One Credit Union
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