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Form of workAs The Artisans of Banking, we strive to be B.R.A.V.E. (Build Relationships & Add Value Everyday). We recognize that in order to meet the needs of our communities, we must represent our communities. Our success relies on creating a culture where we have diverse perspectives and a true sense of belonging. This is a journey, and we pledge to do more than simply check the box.
When you join our Premier Members team, your benefits will include:
- Comprehensive medical insurance plan that has HRA, HSA, and FSA options
- Dental and vision insurance
- Generous paid-time-off
- 11 paid holidays
- Annual bonus (based off of annual results/scorecard each year)
- 401(k) plan with a 5% match
- Wellness program
- Tuition assistance
- 1% employee loan discount
- Employee Assistance Program (EAP)
- Life and disability coverage
What sets working for Premier Members apart?
- Career development and pathing opportunities to move into leadership roles or other lines of business within PMCU such as Commercial Lending, Finance, Marketing, Underwriting, Member Solutions, Training, Human Resources, and more.
- Supportive and engaging work environment.
- A wellness and sustainable work culture that puts family, Mother Nature, our community, and your health first.
- A work environment that encourages personal as much as professional growth, teamwork to make the dream work, and treating everyone equally.
Hours: Monday - Friday 8:00am - 6:00pm and Saturdays 9:00am - 1:00pm. (Occasional 7am start twice a month.)
POSITION SUMMARY:
In an automated, centralized lending environment, proactively develop quality memberships/accounts and loans over the phone and online. Advise members of approvals, rates, terms, stipulations and the loan processing procedures. Control the sales process by listening and providing the appropriate solutions to meet members’ requests. Reach or surpass cross-sales goals and follow up on pipeline of applicants. Requires ability to deal cheerfully and professionally with members and exercise some independent judgment. Responsible for: organizing, planning, directing, and controlling all operations of the eChannel and Mail team . Oversee all origination functions and assist in the resolution of difficult and complex member account situations. Perform periodic evaluation of lending policies and procedures and modify as needed and ensure that established policies, procedures, and legal requirements are followed. Train, direct, and appraise personnel. Ensure that the mail is processed/delivered/posted accordingly including payments and deposits to accounts.
ESSENTIAL FUNCTIONS:
•Review all e-channel loans and memberships on a first-in-first out basis in a timely and professional manner.
•Execute established operational goals and ensure that corporate-wide plans are complemented and supported.
•Assist in developing Department policies and procedures. Conduct periodic reviews of existing policies and procedures to ensure maximum efficiency and service delivery.
•Ensure lending functions are effectively and efficiently performed in accordance with established Credit Union policies and procedures, and with related legal requirements.
•Responsible for the effective and efficient administration and performance of team functions.
•Monitor and evaluate work quality, efficiency, and productivity. Provide suggestions for improved service delivery. Seek new methods to accomplish Department functions.
•Direct, coordinate, and ensure mail is posted/processed efficiently.
•Communicate with departments/branches regarding the delivery of internal mail.
•Provide assistance with complex and sensitive underwriting activities.
•Ensure that underwriting actions are thoroughly documented.
•Ensure pending loans are promptly addressed and decisioned.
•Ensure that requests, questions, and problems are courteously and professionally resolved. Ensure that communications are effective and efficient.
•Utilize effective human relations skills and persuasion to calm irate members and resolve negative situations.
• Ensure professional business relations exist with related agencies, organizations, institutions, and borrowers. Members are appropriately assisted in resolving their problems. The Credit Union is professionally represented in all business and legal matters.
• Effectively supervise Department personnel, ensuring optimal performance
• Provide leadership to personnel through effective objective setting, delegation, and communication. Conduct meetings as required. Inform personnel of policy, procedural, and legal changes.
• Ensure that personnel are well trained, effective, and optimally used. Identify training needs and develop and implement appropriate training programs. Conduct training sessions and cross-training as appropriate.
• Conduct performance appraisals as required. Formulate and implement corrective actions as needed.
• Ensure that staffing levels are appropriate. Assist in hiring personnel for the team.
• Assist, support, and serve personnel as needed.
• Responsible for establishing and maintaining effective communication and coordination with Credit Union personnel and with management.
• Assist, serve, and inform branches and related departments as needed.
• Provide recommendations to improve lending processes and effectiveness and ensure the integrity of Department processes.
• Complete required reports, records, and other documentation as required.
• Ensure effective and efficient internal communication.
• Attend and participate in meetings and committees as required.
• Ensure required documentation, reports, and records are complete, accurate, and timely. Management is appropriately informed.
• Ensure that changes in legal requirements and government regulations are integrated into current practices.
• Responsible for related duties as required or assigned.
• Ensure that the Credit Union's professional reputation is maintained.
QUALIFICATIONS
EDUCATION/CERTIFICATION:
• A two-year college degree or equivalent experience required.
REQUIRED KNOWLEDGE:
• Understanding of Credit Union lending policies
• Knowledge of financial products, loan documents, and services
• Knowledge of Federal and State lending regulations.
EXPERIENCE REQUIRED:
• A minimum of five years of similar or related experience
• One to two years supervisory experience
SKILLS/ABILITIES:
• Excellent communication and public relations skills
• Ability to work in stressful, high pressure situations
• Solid analytical and negotiating skills
• Strong leadership, management and supervisory abilities
• Ability to operate computer calculations and other basic business equipment
• Ability to perform mathematical calculations with speed and accuracy.
• Ability to work with mathematical concepts such as those necessary to calculate APR. Ability to effectively weigh the impact of decisions on the long term. Correctly assesses risk in making decisions. Looks at alternative solutions, and considers all circumstances before making decisions.
• Ability to read and analyze verbal or written communication. Can communicate effectively and convey ideas concisely in written and verbal form.
• Ability to tactfully question and actively listen to co-workers to determine specific needs/concerns and bring resolution to them.
WORKING CONDITIONS
• Standard office conditions
• Low to moderate noise
• Limited lifting up to 10 lbs.
This description has been reviewed to ensure that only essential functions and basic duties have been included. Peripheral tasks, only incidentally related to each position, have been excluded. Essential functions, requirements, skills, and abilities included have been determined to be the minimal standards required to successfully perform the positions. In no instance, however, should the duties, responsibilities, and requirements delineated be interpreted as all-inclusive. Additional functions and requirements may be assigned by supervisors as deemed appropriate.
In accordance with the Americans with Disabilities Act, it is possible that requirements may be modified to reasonably accommodate disabled individuals. However, no accommodations will be made which may pose serious health or safety risks to the employee or others or which impose undue hardships on the organization.
The Credit Union believes that each employee makes a significant contribution to our success. That contribution should not be limited by the assigned responsibilities. Therefore, this job description is designed to outline primary duties, qualifications, and job scope, but not limit the incumbent. It is our expectation that each employee will offer his/her services wherever and whenever necessary to ensure the success of our endeavors.
Job descriptions are not intended as and do not create employment contracts. The organization maintains its status as an at-will employer. Employees can be terminated for any reason not prohibited by law.
This Job Description is not a complete statement of all duties and responsibilities of this position and may change with or without notice.
