MSR - TELLER

Carolinas Telco Federal Credit Union•Charlotte, NC

2d•Onsite

About The Position

Responsible for receiving, reviewing, and processing applications for consumer, real estate, credit card, and overdraft account loans. Handle loan requests in person, over the phone and via tickets in MRP. Explain Carolinas Telco FCU loan products and policies. Assembles and evaluates loan applications and approves those that meet initial lending criteria and are within approval authority. Presents loan requests above approval authority as per loan policy. Provide a variety of paying and receiving functions for members in person, via phone, email and standard mail, including processing deposits, withdrawals, loan payments, teller checks, and visa cash advances. Balances each day's transactions and verifies cash totals. Ensures members and prospective members are promptly and professionally served. Provides general credit union information and cross-sells services. Exhibits CTFCU’s Core Values in all interactions.

Requirements

Business degree or one to two years of equivalent experience.
Must have NMLS # or the ability to be licensed through the NMLS Registry in compliance with the S.A.F.E. Act
Knowledge of credit union loan services, policies, and procedures
Thorough understanding of related legal and regulatory standards, and required loan documentation. Knowledge of consumer and residential lending practices.
One to two years of lending experience.
Ability to excel in a Sales and Service Team environment.
Excellent interviewing, communication, and public relations skills.
Excellent Time Management.
Professional appearance and attitude.
Ability to operate related computer applications, and other business equipment including calculators, printer, telephone, and notary stamp.

Responsibilities

Interviews, takes applications, gathers information, and processes preliminary documentation on loan requests.
Evaluates and verifies loan applications and credit criteria. Computes debt ratios manually and through the Loans System. Verifies employment and income, according to loan processing policies. Determines value of collateral. Approves loans within limits of authority and notifies applicants of loan decisions. Requests additional information if required.
Process loan applications through the Loans System. Refer loan requests that fall outside MSR’s lending authority according to the Consumer Loan Policy.
Ensures each loan is promptly and properly prepared, documented, processed, approved, and disbursed or adverse action is issued.
Calculates terms, finance charges, and insurance on loans for proper disclosure through the Loans System.
Assists in servicing loans by processing such items as payoff, refinances, address changes, collateral releases, and payment due date changes.
Assumes responsibility for filing vehicle titles and prompt follow-up on titles still pending. Verifies car insurance coverage.
Ensures the organizations core values are applied during communication with members and employees and are executed through daily functional processes. Make a strong commitment to enhance the organizational culture.
Inform members of loan protection products, credit life, disability, and other credit union products
Performs duties of area personnel as required and maintain confidentiality and privacy of accounts.
Ensures lending operations are conducted in accordance with established credit union’s policies and are legally compliant. Ensures loan requests are properly documented.
Performs all teller duties and apply CTFCU’s policies and procedures as outlined in the Teller Job Description.
Complies with all federal, state, and organizational policies, procedures, and processes, including (but not limited to) the Bank Secrecy Act (BSA) and Office of Foreign Assets Control (OFAC).
Completes all factors in MSR/Teller Scorecard
Resolves members' requests and questions promptly and courteously.
Ensures the credit union’s professional reputation is projected and maintained.
Assists area personnel as needed. Assists other Tellers and MSRs.
Assists in training and cross training loan support personnel.
Completes reports and records promptly and accurately.
Attends meetings as required.
Keeps Management informed of area activities and of any significant problems.
Actively and professionally cross sells credit union products and services.
Stays informed regarding local and national economic conditions and legal and regulatory changes.
Ensures proper maintenance, cleanliness, and security of work area, desks, equipment, etc.