Universal Associate

Corazo Credit Union•Brawley, CA

3d•$25 - $31•Onsite

About The Position

This position will support all areas of the Credit Union: Branch Operations, Lending and back office departments. Work to assist in daily operations of branch, assist loan servicing department with delinquent accounts, assist branch operations, and lending department with loan processing/funding. Assist back office as needed.

Requirements

High School graduate.
Excellent written and verbal communication skills required.
Minimum of one-year Member Service Representative, two-year collection experience, two-year Member Service Officer, or combined related experience of 5 years within a financial institution
Proficient in Windows, Word, Excel, and Internet.
Familiar with the Federal Fair Debt Collection Practices Act, California Fair Debt Collection Practices Act, and other regulatory requirements.
Familiar with basic bankruptcy concepts, including chapter 7 & 13 codes.
Ability to perform multiple tasks under pressure while maintaining a professional demeanor.
Working knowledge of Credit Union lending insurance products.
Thorough knowledge of lending policies and procedures.
Working knowledge of compliance issues relating to Real Estate/ Consumer lending, Collections, Bankruptcies.

Responsibilities

Open all new accounts related to product and services of the Credit Union.
Perform all of the normal duties of a credit union member service representative.
Perform loan advances up to approval amount with appropriate file maintenance of loan payments, due date, and payroll deduction information, and accurately quote loan payoffs.
Complete understanding of all new account disclosures.
Balance, service, maintain, and troubleshoot ATM machines.
Perform all transactions regarding direct deposit and payroll.
Cross-sell all loan products.
Ensure that collateral loans are audited on a timely basis and given to DMV clerk.
Assist the Collectors with calls on Delinquent Accounts.
Proactively interact with members and dealers to perfect security interest in collateral.
Proactively ensure completion of the DMV portion of the consumer loan files.
Process loan changes, adjustments and corrections.
Audit all loan work for accuracy and compliance to Credit Union policies.
Effectively answer member and staff phone inquiries.
Recommend/assist accounts eligible for deferments/loan workouts.
Enter collection notes in system for all accounts.
Review and provide timely funding within credit union standards and guidelines.
Provide administrative assistance to the Loan Officers and staff, including loading loan data in the credit union’s core system.
Cross-sell all credit union products and services with emphasis on GAP and Debt Protection.
Review and gather necessary documentation to fund any consumer loan application, pre-approvals, Indirect lending documentation if needed.
Review loan prior to funding to ensure it meets credit score approved guidelines.
Generate loan checks/disclosures.
Audit all loan work for accuracy and compliance to Credit Union policies.
Backup/support for other positions as assigned by EVP/CFO or department manager.
Perform additional miscellaneous duties as assigned by EVP/CFO or department manager.
Assist back-office department with time sensitive task.