CPM FEDERAL CREDIT UNION Full Time FSR I Beaufort Port Royal Salary in the United States

Job Details

ESSENTIAL FUNCTIONS AND BASIC DUTIES

1. Assumes responsibility for effectively receiving, reviewing, and processing loan applications.

a. Performs teller functions, actively cross-sells Credit Union products and services to members and assists in meeting their financial needs. Opens and closes accounts.

b. Interviews, takes applications, gathers information, and processes preliminary documentation on loan requests.

c. Evaluates and verifies loan applications and credit criteria. Computes debt ratios. Verifies employment and income. Determines value of collateral. Gets loan approvals and notifies applicants of loan decisions. Requests additional information if required.

d. Coordinates and processes closings. Ensures that each loan is promptly and properly prepared, documented, processed, approved, and disbursed.

e. Calculates terms, finance charges, and insurance on loans for proper disclosure on promissory notes.

f. Assists in servicing loans by processing such items as payoff, refinances, problem loan workout arrangements, address changes, payment extensions, collateral releases, and payment due date changes.

g. Assumes responsibility for filing vehicle titles and prompt follow-up on titles still pending. Verifies car insurance coverage. Makes car appraisals.

h. Sells credit life, disability, and other loan products.

1. Ensures that lending operations are conducted in accordance with established Credit Union policies and are legally compliant. Ensures that loan requests are properly documented.

j. Performs all tasks accurately and proactively seeks to solve problems or assists anywhere needed.

2. Assumes responsibility as a Service Ambassador by establishing and maintaining effective, professional business relationships with internal and external members as well as the communities in which we serve.

a. Resolves members' requests and questions promptly, accurately and courteously.

b. Helps members balance their checking accounts.

c. Keeps members properly informed of Credit Union loan policies and services.

d. Supports and protects the Credit Union's quality reputation by embracing the Mission, Vision and Core Values.

e. Counsels members regarding money management and financial matters.

3. Assumes responsibility for establishing and maintaining effective coordination and communication with area personnel and management.

a. Assists area personnel as required. Provides guidance to other Financial Service Representatives. Assists with training or orientation as needed.

b. Assists in training and cross-training co-workers.

c. Completes reports and records promptly and accurately. Ensures any and all loan documentation is complete, accurate and signed as required.

d. Attends meetings as required.

e. Serves as a leader in the branch.

f. Keeps Management informed of area activities and of any significant problems.

4. Assumes responsibility for related duties as required or assigned.

a. Stays informed regarding local and national economic conditions and legal and regulatory changes and ensures that all activities comply with Credit Union policies/procedures and federal/state law and regulations.

b. Ensures proper maintenance, cleanliness, and security of work area, desks, equipment, etc.

c. Performs other duties, assignments, and special projects as assigned.

PERFORMANCE MEASUREMENTS

1. Lending functions are effectively performed in accordance with established Credit Union policies, procedures and with legal and regulatory requirements.

2. Good business relations exist with members. Programs and services are properly and thoroughly explained and members' needs accurately assessed. Members' problems are courteously and promptly resolved.

3. Required reports are accurate and timely.

4. Good working relationships exist with area personnel and with management. Area personnel are assisted as needed.

5. Credit applications and related financial data are closely and effectively analyzed and evaluated.

6. Personal delinquency write-off numbers are in line with Credit Union objectives.