Branch Champion Float

Cornerstone Community Federal Credit Union•Lockport, NY

6h•Onsite

About The Position

Depending on operational demands, the Branch Champion Float will provide assistance and back up support to various areas and locations within the Credit Union. This position provides members with a full-service experience either face to face, by telephone or by video channels. This position is part of the Saturday rotation schedule.

Requirements

High School Diploma required
1 – 3 years of Member Service, Cash Handling and/or Lending experience required.
Working knowledge of Microsoft Office, Word and Excel.
Bondable upon initial employment and continue to be bondable throughout term of employment.

Nice To Haves

Associates Degree preferred.
Experience within the Financial Services industry strong preferred.

Responsibilities

Accept and disburse cash, share deposits, share withdrawals, loan payments, VISA payments, money orders, gift cards, travel money cards, and amusement park tickets; and to provide general credit union information.
Maintains cash box at a predetermined dollar level.
Maintains constant recognition of the vulnerability of handling cash; periodically reviews security procedures and maintains high awareness of actions to take during and after a criminal attack or other emergency.
Calls unusual circumstances and exceptional cases to Head Teller or Branch Head Teller’s attention to obtain approval for proper disposition.
Responsible for processing required government reporting.
Opens new accounts, to include but not limited to: New membership accounts, trust and business accounts, Money Market transactions, IRA accounts, HSA’s and share certificates, Share Draft accounts, Debit Cards, Direct deposits and payroll deposit requests.
Explains and educates members regarding Overdraft Privilege Program and maintains necessary paperwork per member request.
Performs file maintenance on above items.
Disburses approved consumer loans adhering to all policies and procedures established by Cornerstone Community FCU verifying all stipulations of approval have been met.
Assemble loan information in person, by phone, on-line, fax, or mail for consumer applications.
Properly secure necessary collateral and process all loan packages in a manner that will result in the least liability for the credit union.
Secure necessary credit ratings.
Assist the member toward the understanding of their own financial history.
Process paid unsecured and secured notes.
Evaluate loan applications, using all sources necessary (ex: credit report, tax returns, etc.) for the underwriter to reach a viable determination that is a productive loan for both the member and the credit union. This must be accomplished by adherence to all federal and state laws and regulations.
Communicates the credit decision to the member.
Follows all compliance and regulatory requirements when a loan application is rejected.
Advises the member of the factors leading to the rejection of their loan request (if applicable).
Updates loan minutes.
Responsible for aspects of the Real Estate Lending application process including interviewing member, obtaining proper application, originating application, and any documents necessary to forward to an underwriter.
Obtains HMDA/Data collection information.
Trains other staff at management request.
Adhere to safe work practices and procedures.
Be neat, punctual, and professional in appearance and demeanor.
Always represent the best interests of the Credit Union in words and actions.
Complete all required training.
Other duties as assigned.