Service Center Digital Account Processor

Description

Job Title: Service Center Digital Account Processor

Report To: Lending Manager/EVP-CSLO/President-CEO

Classification Code: Non-Exempt

General Purpose

Maintains and processes online new membership and deposit account applications. Builds and maintains successful member relationships while opening accounts, funding and servicing pending requests to the member’s complete satisfaction, while simultaneously ensuring that supporting documentation and records are accurately prepared according to Kinetic Credit Union policies and procedures and fully compliant.

Essential Duties/Responsibilities

1. Demonstrates comprehensive knowledge of deposit account products, services, and processes. Successfully and completely processes deposit account openings, all forms and documents for maintenance deposit related transactions.
2. Comprehensive knowledge of Kinetic’s eBranch, mobile banking, and digital app services and can explain and assist members with set up.
3. Handles inquiries and provides assistance to sales team and other staff on status of the membership or account application. Follows up with members and other key individuals immediately to resolve problems.
4. Reviews online membership and/or account application requests and documentation with great focus on identity, compliance, and qualifications. Knowledge of and review of credit bureau reports, and other identifying reports.
5. Comprehensive understanding of the online membership / account applications software; processes, and capabilities.
6. Verify accuracy of data imported to database from digital applications and update or add information as needed.
7. Clear and accurate communication and correspondence with members on status of their applications, or needed documentation.

8. Monitors pending account/membership applications to ensure documentation and/or account funding complete in a timely manner.
Close all non-compliant or non-funded accounts within a disclosed time period.

9. Prepares and/or maintains reporting information of the online memberships and accounts opened and forwards data on a regular basis
to appropriate management personnel.

10. Forwards completed online applications to Member Outreach Specialists for further follow up touch point.

11. Performs quality control on online accounts opened to ensure all necessary paperwork, signatures, fees and computer information is
included and accurate.

12.Retains an ongoing knowledge of the processes and procedures of the lending processor position. Is expected to perform the duties and responsibilities of the lending processor position as needed. 

13. Assists with on-line software testing when there are software enhancements and in troubleshooting issues.

14. Completes SAR (Suspicious Activity Report) when applicable according to policies and procedures set forth by Kinetic Credit Union, in
accordance to BSA/AML regulations, and turns over to appropriate parties in a timely manner.

15.Understands and adheres to all Bank Secrecy Act/Anti-Money Laundering policies and procedures set in place to ensure TIC compliance and attends annual training.

16.Responsible for completing Information Security Awareness training as directed by management. 

17.Responsible for complying with GLBA, Safe Act, Regs B, D, E, CC, Z and other regulatory requirements. 

18.Participates in the Community Involvement goals of the credit union.

Additional Duties/Responsibilities

1. Performs final audit and verifies that consumer lending documentation complies with rules and regulations.
2. Responsible for knowing all aspects of the credit union’s product line and services including rates, terms and fees.
3. Superior verbal and written communication skills.
4. Ability to work with members and staff tactfully and professionally, both in-person and on the phone.
5. Proactively find ways to support the lending department’s goals and work collaboratively with co-workers.
6. Effectively manage time and resources.
7. Responsible for maintaining a current Learning Action Plan in conjunction with the Performance Management System.
8. Performs additional duties as directed by management.

Requirements

This position requires a high school diploma or the equivalent, and a commensurate level of language, math and reasoning skills. In addition, six (6) months of Financial Service Representative experience in a related field is preferred. Formal training should be supplemented with appropriate continuing education.

Supervisory Responsibilities

None.

Work Environment/Physical Activities

This position requires limited physical effort. It is basically a desk assignment. The ability to read small print and color vision may also be required. The employee is regularly required to listen/hear or talk. In addition, the employee must be able to work a flexible schedule, including Saturday, evening and holiday hours. The job calls for a high degree of mental concentration to interpret and act upon a wide range of situations. The job requires a degree of attention to details. 

Job requires access to credit union’s network and core data processing system. Core system roles are assigned by Divisional Vice President.