Consumer Lending Assistant
Rally Credit Union, Corpus Christi, TX, United States
Overview
Primary Objective Of Position
Responsible for establishing new and increasing existing member loan and account relationships through sales and referrals. Serves as an initial sales and service contact for new and existing members. Provide backup administrative tasks for credit union staff to ensure timely delivery of services to membership and contacts. Essential Job Functions
Maintains excellence in delivering member service and exceeding the credit union and department service standards. Perform daily responsibilities along with knowledge of inputting loan applications, reviewing title work packets for accuracy, reviewing loan maintenance documents for accuracy, issuing cashier’s checks, placing supply orders, servicing members via remote channels, performing general file maintenance and researching transactions. Providing a consultative sales approach to meet our members’ financial needs by proactively identifying opportunities to cross-sell and up-sell beneficial products and services. Fostering a teamwork attitude to ensure all credit union goals and objectives are achieved. Consistently meet or exceed sales goals as set by management by effectively and efficiently cross-selling credit union products and services to both current and potential members. Responsible for referring sales opportunities to other lines of business. Input loan applications to include pulling credit bureau and recommendation of loan and new account opportunities. Forward to Consumer Lending Representatives for decision. Maintain accurate data entry in regard to member records, maintenance, and transactions; have the ability to find and correct errors. Ensure the protection of the credit union’s interest in matters of adequate documentation; includes but not limited to loan, title work, and account packets. Adherence to security, internal control procedures, policies and applicable laws and regulations. Adhere to mandatory compliance, product, and credit union training. Demonstrates an understanding of and follow the requirements of all regulation compliance including but not limited to those Bank Secrecy Act (BSA), AntiMoney Laundering (AML), Office of Foreign Assets Control (OFAC), Customer Identification Program (CIP) and Member Due Diligence (MDD) as it specifically relates to their job functions. Responsible for completing BSA/AML compliance training annually. Relationships and Contacts
Supervise Approximately: None Reports To: Consumer Lending Assistant Manager Contacts: Contact with representatives and officers from department and other departments. Requirements
EDUCATION
High School Diploma or equivalent EXPERIENCE
One (1) year experience in assessing and meeting member needs, with 6 months of financial/banking/CU experience preferred. Most important to this position are accuracy, and attention to detail. PHYSICAL REQUIREMENTS
Position involves wrist/hand manipulation, restriction to workstation for extended periods of time. Vision abilities required by this job include close vision for frequent viewing of computer monitor and review of documents. MENTAL REQUIREMENTS
Must be able to perform job junctions independently or with limited supervision and work effectively either on own or as part of a team. Must have a strong ability to read and carry out various written instructions and follow oral instructions. Must have a strong ability to speak clearly and deliver information in a logical and understandable sequence. The ability to anticipate member needs, initiate assistance, make recommendations of appropriate products/services. Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public. Must be able to perform responsibilities with composure under the stress of deadlines/requirements for extreme accuracy and quality and or fast pace. Must be able to effectively handle multiple, simultaneous, and changing priorities. Must be capable of exercising highest level of discretion on both internal and external confidential matters. Equipment Requirements
Personal computer with windows environment, calculator, copy machine, fax machine, and Scanner.
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Primary Objective Of Position
Responsible for establishing new and increasing existing member loan and account relationships through sales and referrals. Serves as an initial sales and service contact for new and existing members. Provide backup administrative tasks for credit union staff to ensure timely delivery of services to membership and contacts. Essential Job Functions
Maintains excellence in delivering member service and exceeding the credit union and department service standards. Perform daily responsibilities along with knowledge of inputting loan applications, reviewing title work packets for accuracy, reviewing loan maintenance documents for accuracy, issuing cashier’s checks, placing supply orders, servicing members via remote channels, performing general file maintenance and researching transactions. Providing a consultative sales approach to meet our members’ financial needs by proactively identifying opportunities to cross-sell and up-sell beneficial products and services. Fostering a teamwork attitude to ensure all credit union goals and objectives are achieved. Consistently meet or exceed sales goals as set by management by effectively and efficiently cross-selling credit union products and services to both current and potential members. Responsible for referring sales opportunities to other lines of business. Input loan applications to include pulling credit bureau and recommendation of loan and new account opportunities. Forward to Consumer Lending Representatives for decision. Maintain accurate data entry in regard to member records, maintenance, and transactions; have the ability to find and correct errors. Ensure the protection of the credit union’s interest in matters of adequate documentation; includes but not limited to loan, title work, and account packets. Adherence to security, internal control procedures, policies and applicable laws and regulations. Adhere to mandatory compliance, product, and credit union training. Demonstrates an understanding of and follow the requirements of all regulation compliance including but not limited to those Bank Secrecy Act (BSA), AntiMoney Laundering (AML), Office of Foreign Assets Control (OFAC), Customer Identification Program (CIP) and Member Due Diligence (MDD) as it specifically relates to their job functions. Responsible for completing BSA/AML compliance training annually. Relationships and Contacts
Supervise Approximately: None Reports To: Consumer Lending Assistant Manager Contacts: Contact with representatives and officers from department and other departments. Requirements
EDUCATION
High School Diploma or equivalent EXPERIENCE
One (1) year experience in assessing and meeting member needs, with 6 months of financial/banking/CU experience preferred. Most important to this position are accuracy, and attention to detail. PHYSICAL REQUIREMENTS
Position involves wrist/hand manipulation, restriction to workstation for extended periods of time. Vision abilities required by this job include close vision for frequent viewing of computer monitor and review of documents. MENTAL REQUIREMENTS
Must be able to perform job junctions independently or with limited supervision and work effectively either on own or as part of a team. Must have a strong ability to read and carry out various written instructions and follow oral instructions. Must have a strong ability to speak clearly and deliver information in a logical and understandable sequence. The ability to anticipate member needs, initiate assistance, make recommendations of appropriate products/services. Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public. Must be able to perform responsibilities with composure under the stress of deadlines/requirements for extreme accuracy and quality and or fast pace. Must be able to effectively handle multiple, simultaneous, and changing priorities. Must be capable of exercising highest level of discretion on both internal and external confidential matters. Equipment Requirements
Personal computer with windows environment, calculator, copy machine, fax machine, and Scanner.
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