Universal Lead Teller

America First Credit Union•Eagle Mountain, UT

8d•Onsite

About The Position

Responsible for implementing existing policies, procedures, and systems involving cashiering operations and member services functions. Coordinates, directs, and assigns work. Answers Service Representatives' questions, resolves more complex problems, and oversees balancing. Responsible for smooth flow of teller lines, adequate window coverage, and general training and supervision of Service Reps. Oversees provision of a full range of services (including phone and mail) to members and prospective members. Ensures that members are promptly and professionally served. Acts as Manager in the Manager's absence with the same approval authority as the Manager. Acts as a Service Representative as needed and enthusiastically cross-sells Credit Union services. Responsible for performing a broad variety of customer services including opening new savings, share draft, and credit card accounts. Answers and directs telephone calls and questions and informs members of complete array of Credit Union services. Responsible for providing secretarial and clerical support for all loan processing activities. Prepares closing documents and miscellaneous paperwork necessary for booking and funding new loan business each month. Tracks and obtains proof of insurance as required on member loans. Maintains departmental records and files and types routine reports and records. Responsible for receiving, reviewing, and processing applications for consumer, home improvement, second mortgage, home equity, credit card, and overdraft account loans. Meets with applicants to explain credit policies and to obtain additional loan information/documentation. Assembles and evaluates loan applications and approves those that meet initial lending criteria and are within approved lending limits. Presents loan requests above lending limit for approval as per loan.

Requirements

High school graduate or equivalent.
Back-up Lead Teller Qualified.
Passed Certification Tests 1, 2, 3, 4, Savings Training I & II, and Lead Teller Test with at least 80%.
Completed MSD Phase I & II.
A thorough knowledge of Service Representative operations and procedures.
Thorough understanding of Credit Union operations, including opening and closing accounts, loans, IRA and certificate procedures.
Thorough knowledge of member services, accounts, loans, and products provided.
Understanding of new account bookkeeping procedures.
Understanding of loan processing functions, including related requirements, procedures, and underwriting criteria.
Knowledge of Credit Union loan services, policies, and procedures, including related legal and regulatory standards, and required loan documentation.
Knowledge of consumer and residential lending practices including interest rates and how they are computed.
Minimum of 2 years experience as a Teller at a full service financial institution.
Back-up lead teller experience.
Minimum 1 year of lending experience.
Excellent interviewing, communication, public relations, and leadership skills.
Supervisory and training abilities.
Professional appearance, dress, and attitude.
Strong analytical, financial, and math skills.
Ability to operate related computer software, and other business equipment including 10-key, money counters, and telephone.
Good typing skills.

Responsibilities

Ensuring and performing efficient, effective, and professional teller operations.
Ensuring that all teller functions are correctly performed and are in accordance with established polices and standards. Ensures that all security procedures are followed (i.e., alarms, cameras, teller audits. etc.)
Coordinating teller operations by assisting in assigning work and distributing workflow. Coordinates weekly schedule, monitors lunch and breaks, tracks sick and vacation leave.
Answering Service Representative's questions, solving problems, and assisting with complex transactions and sensitive member relations problems. Explaining policies and procedures to members. Making judgements for Service Representatives within limits of authority, pertaining to cashing and/or accepting checks or drafts. Giving authorization for overrides.
Investigating teller out of balance conditions and instituting corrective procedures. Assisting in finding balancing errors. Ensuring that each teller balances at the end of each day and that all monies are secured in accordance with established procedures.
Performing teller paying and receiving functions as required. Receiving share deposits and loan payments. Preparing proper receipts.
Maintaining an inventory of cashier's checks, money orders, receipts, travelers checks, and other negotiable items for use in the teller area.
Balancing vault and replenishing. Ordering cash and disbursing cash to tellers.
Monitoring orders, dispenses, ships, and balances cash.
Keeping ATM functional and balanced. Ensuring that security procedures for ATM are followed.
Loan training and duties. (The extent will vary from branch to branch.)
Ensuring and effectively performing Member Services functions.
Member Services functions are performed in accordance with established policies and standards.
Answering questions of members and Service Representative personnel, solving problems and assisting with complex transactions and sensitive member relations problems.
Explaining services, policies, and procedures to members. Opening new share draft, savings, and credit card accounts, including preparing all related paperwork. Processing stop-payments. Corresponding with members regarding claims, IRA's and CD's.
Maintaining a supply of new account packets and related forms.
Actively and professionally cross-selling Credit Union services.
Assisting in completing dealer payoffs and with delivery of titles.
Effectively receiving, reviewing, and processing of loan applications.
Interviewing, taking applications, gathering information and processing preliminary documentation on loan requests. Evaluating and verifying loan applications and credit criteria. Computing debt ratios. Verifying employment and income. Approving loans within limits of authority and notifying applicants of loan decisions. Requesting additional information if required. Determining value of collateral.
Performing loan processing functions. Pulling applicant files, verifying employment and salary, ordering PR and appraisal, and running credit reports. Typing loan documents. Ensuring that each loan is promptly and properly prepared, documented, processed, approved, and disbursed.
Following up to ensure that all necessary items are available for underwriting. Reviewing information for completeness and accuracy. Ensuring that processing is completed promptly.
Assuming responsibility for 2nd mortgage loans, including origination, tile searches, appraisals, credit reports, etc. Following through recission period to closing after all supporting documents have been legally filed and returned to the Credit Union. Following up on mortgages, trust deeds, and title policies.
Performing title processing functions. Tracking all titles accurately. Insuring Credit Union as lien holder and making loan payoffs. Maintaining DMV file to ensure proper title conveyance.
Calculating terms, finance charges, and insurance on loans for proper disclosure on promissory notes.
Assisting in servicing loans by processing such items as payoff, refinances, problem loan workout arrangements, address changes, payment extensions, collateral releases, and payment due date changes.
Posting fees to members' loans.
Ensuring that lending operations are conducted in accordance with established Credit Union policies and are legally compliant. Ensuring that loan requests are properly documented.
Effectively supervising area personnel, ensuring optimal performance.
Providing leadership to personnel through effective objective setting, delegation, and communication.
Ensuring that personnel are well-trained, effective, and optimally used. Providing instruction regarding policy, procedure, and service and product offerings. Assisting new employees.
Tracking individual employee progress and assisting with performance appraisals as required. Providing support and suggestions for employee improvement.
Assisting and supporting personnel as needed.
Ensuring that professional business relations exist with members.
Resolving members' requests, problems, and questions promptly and courteously. Answering members' questions or referring appropriately. Answering questions regarding account balances, loans, blue book values, balances, payoffs, and student loans. Assisting members with payroll deduction requests.
Keeping members accurately and appropriately informed of Credit Union policies and procedures. Receiving and processing new accounts and changes to existing accounts. Counseling members regarding money management and financial matters.
Maintaining and projecting the Credit Union's professional reputation.
Training the staff on a continuous basis. (Staff meetings)
Quarterly Security training.
Establishing and maintaining effective communication and coordination with Department and area personnel and with management.
Coordinating Service Representative duties and responsibilities with related functions within and outside of the Department.
Keeping management informed of area activities and of any significant problems. Providing suggestions for improved service.
Completing required reports and related documents promptly and accurately. Typing end of month reports.
Maintaining employee progress.
Attending meetings as required. Relaying information to staff.
Performing related duties as required or assigned.
Ensuring that work area and equipment are clean and well-maintained.
Performing procedures for opening and closing of operations, including vault, alarm, and doors.
Staying informed regarding developments and changes in the financial industry.
Replacing Service Representatives as needed.
Performing related clerical functions as required.
In the absence of the Manager, assuming responsibility and decision making for service center.