Member Service Rep-Universal Associate 3

Downey Federal Credit Union•Downey, CA

About The Position

Serves as a liaison between members and the credit union in branch and call center settings. Provides account information and performs file maintenance and monetary transactions. Interviews members to identify their needs and recommend appropriate products and services; opens memberships and individual accounts, assists with consumer loan applications, and funds consumer loans. The role may serve as an in-branch Universal Associate or Contact Center Representative and may cover different branches when business needs arise.

Requirements

Ability to be bonded.
Understanding of basic accounting principles.
Ability to use office machines required for the position and understanding of EDP concepts.
High school graduation.
Two years of credit union or other lending experience.
Basic personal computer knowledge, including Word and Excel.

Nice To Haves

Secondary education is preferred.
Strong communication skills in both English and Spanish are preferred.

Responsibilities

Respond to member inquiries and requests through all access channels offered by the credit union.
Verify eligibility, open new memberships and individual accounts, obtain required documentation, and scan copies to appropriate destinations.
Interview members to identify needs and offer appropriate products and services.
Assist members with loan applications, obtain required information, and review applications and credit reports to identify loan opportunities and clarify concerns.
Obtain and verify documentation required to satisfy loan stipulations and approval requirements.
Verify approved loan amounts and terms, prepare loan documents, explain terms and conditions, obtain signatures, and disburse proceeds in accordance with approvals and stipulations.
Complete Home Equity Loan signings as needed.
Complete DMV and related forms to perfect the credit union’s security interest in collateral.
Explain loan denials professionally and courteously.
Serve as a commissioned notary public and stay current on regulations governing notary services.
Perform Universal Associate 2 duties, including processing deposits, withdrawals, transfers, loan payments, address changes, and other transactions or file maintenance requests.
Open Individual Retirement Accounts and process deposits, distributions, and other IRA-related requests.
Represent the credit union professionally at its offices and community events.
Communicate professionally and articulately with members and staff verbally and in writing.
Maintain knowledge of credit union products, services, promotions, benefits, and offerings, and educate members about them.
Comply with Bank Secrecy Act, member identification, anti-money-laundering, and OFAC requirements, including gathering information for timely and accurate Currency Transaction Reports and reporting suspicious activity.
Stay current on policies, procedures, rules, and regulations governing credit union operations.
Comply with member service standards, provide superior service, and promote a retail sales environment by selling credit union products and services.
Protect the confidentiality and security of credit union and member information and documents.
Use analytical reasoning to identify opportunities and threats affecting members and the credit union.
Accept management direction to meet goals established by the Board of Directors.
Serve members and maintain a positive attitude in the office.
Perform other related duties as requested by management.