Role

Receives incoming calls and determines the products, services or resources that the caller requires (or could benefit from). Provides direct support services to members; or, connects them with the appropriate staff representative.

Performs all duties associated with: the preparation and monitoring of vehicle titles and Loan Servicing including insurance monitoring and administrative functions.

Major Duties and Responsibilities

• Answer incoming calls, online chat, email inquiries to determine the needs of the caller and verify the caller’s identity, minimizing the caller’s time and effort in resolving their concern.
• Responsible for maintaining vehicle title tracking program, including assisting loan officers with their individual titling efforts and contacting dealers/members/loan officers to resolve unperfected titles.
• Perform teller functions for members (i.e. transfer funds between accounts and/or loan, stop payments, close and reorder debit cards, provide balances and recent transactions, reissue and reset pin numbers, process loan or credit card payments, etc.) to assure members needs are addressed in a polite and friendly manner.
• Assist members with the loan application process to ensure completeness of information. Explain the loan process to members to include loan options, insurance on loan products, loan policies, interest rates, payoffs, etc.
• Research, troubleshoot and resolve member’s internal inquiries regarding policies, practices and products.
• Contact members or insurance agents to obtain or verify insurance information. Coordinate with insurance tracking vendor to ensure accurate, professional service is provided with minimal false-adds.
• Assist Collection manager with CPI tracking and maintenance. Adjust loan payment if a policy needs to be added or if a full or partial refund of CPI is received. Track refunds expected to ensure proper credit is received, and post all CPI refunds per refund report.

Knowledge and Skills

• Experience - Six months to two years of similar or related experience, including time spent in preparatory positions.
• Education/Certifications/Licenses - High school degree or GED required.
• Interpersonal Skills - Courtesy, tact, and diplomacy are essential elements of the job. Work involves personal contact with others inside and/or outside the organization, generally regarding routine matters for purposes of giving and obtaining information, as well as advising or referring, which commonly require shorter discussions.

Role

Responsible for accurately processing financial transactions and being an effective source of information for our members: in lobby, drive-thru window, by telephone or online. Provides friendly, professional, confidential and effective assistance to members and company associates assuring a positive experience and minimizing wait time.

Major Duties and Responsibilities

• Demonstrate efficiency with financial transactions for checking, savings and borrowing members: receives funds, posts transactions and pays out funds as requested. Verbally confirm intended transactions with member to assure needs are met and minimize redoing.
• Issues money orders, cashier’s checks, teller’s checks and receives currency for coin and verifies amounts, and cashes checks according to written procedures.
• Receives loan payments and savings deposits from members, addresses inquiries on accounts, records amounts and dates of payments and other significant information, checks member’s calculations and validates checks and/or counts cash payments.
• Research, troubleshoot and resolve member’s internal inquiries regarding policies, practices and products.
• Balances cash drawer daily to assure accuracy in transactions and notifies supervisor regarding any outages. Appropriately applying policies.
• Assist other departments and branches with transactions as needed, provide support for the department and branch managers in fulfilling member’s requests and merchant verifications
• Create and maintain a clean, neat, pleasant work environment by maintaining a professional look (i.e. dress, posture, attitude, etc.), positive outlook and behavior toward members and co-workers.
• Must comply with applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.

Knowledge and Skills

• Experience - Cash handling and customer service experience is strongly preferred.
• Education/Certifications/Licenses - High school degree or GED required.
• Interpersonal Skills - Courtesy, tact, and diplomacy are essential elements of the job. Work involves personal contact with others inside and/or outside the organization, generally regarding routine matters for purposes of giving and obtaining information, as well as advising or referring, which commonly require shorter discussions.

Role

Receives incoming calls and determines the products, services or resources that the caller requires (or could benefit from). Provides direct support services to members; or, connects them with the appropriate staff representative.

Major Duties and Responsibilities

• Identify products/services that might be beneficial to members and provide information about their value and benefit.
• Answer incoming calls, online chat, email inquiries to determine the needs of the caller and verify the caller’s identity, minimizing the caller’s time and effort in resolving their concern.
• Perform teller functions for members (i.e. transfer funds between accounts and/or loan, stop payments, close and reorder debit cards, provide balances and recent transactions, reissue and reset pin numbers, process loan or credit card payments, etc.) to assure members needs are addressed in a polite and friendly manner.
• Assist members with the loan application process to ensure completeness of information. Explain the loan process to members to include loan options, insurance on loan products, loan policies, interest rates, payoffs, etc.
• Cross-sell services and assist members in setting up online banking enrollment.
• Assist other departments and branches with transactions as needed, provide support for branches in fulfilling member requests.
• Must comply with all company policies and procedures, applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.

Knowledge and Skills

• Experience - Six months to two years of similar or related experience, including time spent in preparatory positions.
• Education/Certifications/Licenses - High school degree or GED required.
• Interpersonal Skills - Courtesy, tact, and diplomacy are essential elements of the job. Work involves personal contact with others inside and/or outside the organization, generally regarding routine matters for purposes of giving and obtaining information, as well as advising or referring, which commonly require shorter discussions.

Role

The Mortgage Loan Officer is responsible for proactively soliciting new residential mortgage loans to meet established loan quality and production goals of AlaTrust Credit Union {The Loan Headquarters}. This position will handle branch and call center generated referrals along with self-generated referrals. This position will develop and maintain long-term relationships with members, approved organizations, realtors, other referral sources, and communities we serve to ensure recurring mortgage loan prospects and referrals. Incumbent must be familiar with all mortgage types including: Government (FHA, VA, USDA), conforming, non-conforming portfolio, home equity, land, Construction-Perm, etc.

Major Duties and Responsibilities

• Creates and generates leads and loan applications from various referral sources and COIs to meet mortgage production goals.
• Receives, screens, and processes loan applications; requests applicant credit, gathers and reviews all necessary documentation necessary to process the loan application in a timely manner. Provides adequate information to the Credit Committee for loan consideration.
• Works directly with the applicants, realtors, attorney’s, internal processor(s) to ensure strict deadlines are met.
• Responds to inquiries from prospective members regarding all types of mortgage and construction loans, provides requested information regarding the organizations lending policies and procedures.
• Also responds to post-closing servicing related inquiries from members for escrow, tax information, payment reconsolidation questions, etc…
• Works directly with investors to ensure loans and processed and booked to investor guidelines and all deadlines are met. Balance loan transactions, coordinate with 3rd parties, overall acts as an intermediary between investor(s) and all other parties.
• Cross-sells members additional Credit Union products including preauthorized payment plan, car loans, credit cards, checking, online banking, etc…
• Create and maintain reports as needed for senior management and the CU Board as requested.
• Maintains close relations with others in the real estate community, home builders, appraisers, and attorneys to be knowledgeable about market trends and to build network of professionals.

Knowledge & Skills

• Experience - Experience with Federal Housing Authority (FHA), Veterans Affairs (VA), US Department of Agriculture (USDA), and Federal National Mortgage (Fannie Mae), construction loans, home equity, and raw land. Also, must have experience working in a team environment, including branch staff, processors, closers, investors, etc..
• Education/Certifications/Licenses - Must have an active NMLS license or be able to secure one within 60 days of hire. Incumbents are required to maintain their registration active, and current, with the National Mortgage Licensing System throughout their employment.
• Other Skills - Is responsible for a width of information including but not limited to: the organizations current mortgage loan interest rates, commitment/rate lock/relock fee procedures, consumer loan products/rates/guidelines that are used in conjunction with Mortgage Lending. Experience with Mortgage Origination software, (Byte, Encompass, Optimal Blue, etc.) a plus