Virtual Branch Representative

Silver State Schools Credit Union•Paradise, NV

2d•$24 - $26•Remote

About The Position

The primary purpose of this position is to assist Silver State Schools Credit Union to live out its Mission, "Excellent Member Service and Financial Solutions - For Life," by providing outstanding service to both members and internal members. A key component of this service is to identify member needs and provide appropriate credit union product solutions. To deliver service in alignment with our Service Commitments: I will earn respect and build trust by acting with integrity in every situation. I will understand my role in supporting the team to achieve our purpose. I will focus on people over products and build lasting relationships. I will take ownership and accept responsibility. I will treat my coworkers with the same high standards as I treat my member. I will continuously look for ways to improve myself, my credit union, and my community. I will accept there is no "they". We are one working toward the same mission. I will commit to the core values. Possess adequate product knowledge as measured by the annual product knowledge certification assessment. Meet or exceed established sales and service goals.

Requirements

High School diploma or GED
2 - 4 years minimum experience and/or training; or equivalent combination of education and experience primarily derived from prior experience as a Financial Institution Loan Officer.

Responsibilities

Responsible for building relationships with our credit union members.
Must be able to present credit union products and services that match the member needs.
Assist members in resolving account and/or loan related problems.
Build member relationships through proactively identifying additional products and services that will aid the member in achieving their financial goals.
Communicate effectively with prospective and current members and represent the credit union in a positive and professional manner.
Provide highest level of caring, personalized service and quality products, while staying abreast of members' needs and expectations.
Examines, evaluates, inputs data, and assists with qualifying the borrower/member application request for secured/unsecured fixed rate loans or open-end lines of credit.
Facilitates all new account and/or loan applications, and any services or products requested by a member including proper communication and documentation within the required service standard levels set forth by the institution.
Contribute to the development and refinement of the credit union's loan growth and strategy working in a team environment dedicated to exceptional member service.
Perform in a high-volume/production, fast-paced Call Center environment processing new accounts and loans.
Process inbound and outbound calls to members and potential members offering products and services to enhance the member engagement.
Organize and prioritize work in a high volume and fast paced environment to ensure timely and accurate opening, processing, and funding of all requests, new accounts, and loans.
Analyze completed loan applications and supporting documentation submitted by the origination source.
Expeditiously analyze the applicant's financial status, credit history, and collateral, when applicable, to determine feasibility of qualifying the requested loan.
Accurately complete and review all loan applications, gather supporting documentation, analyze applicant's financial status and credit worthiness, and value the collateral prior to submitting applications to Consumer Lending for a credit decision.
Look for ways to qualify the loan request by gathering additional information when needed, offering counteroffers when applicable, and suggesting cross-sell opportunities to the origination source.
Accurately analyze and input income verifications including tax returns and paystubs.
Understand title reports and how to calculate loan-to-value and debt ratios.
Provide counseling to applicants, members, and dealers regarding loan decisions and applicable policies and procedures.
Ensure that the policies and procedures are adhered to within established guidelines.
Act as a liaison between members and dealers to generate quality loans that are within established guidelines.
Efficiently and accurately communicate all credit decisions to applicants in a timely manner.
Interact with credit union staff, dealers and vendors regarding credit union policies, loan applications, decisions, required documentations and subsequent funding.
Complete each applicable task, stipulation, or condition within lending platform as applicable.
Ensure all executed documentation and packets (includes all forms for new accounts and loans as well as SSSCU process forms) are complete, accurate and archived according to policy requirements and compliance regulations.
Complete all documentation and packets in the expected timeframe set forth by the Virtual management team.
Process and open new accounts and additional services while meeting cross-sell performance standards.
Identify cross-sell opportunities to enhance relationships with members and must maintain an expert level of knowledge of Credit Union features and benefits, products, and services.
Describe and recommend suitable insurance and ancillary products.
Respond and assist members via secure chats and secure emails.
May process a variety of financial transactions for members including issuing checks, processing deposits and withdrawals from accounts, domestic wires, filing insurance claims, issues certificates, drafts, and other negotiable instruments.
Respond and research member inquiries regarding the operation of accounts, access to services, resolving account discrepancies, card and account disputes, balancing and reconciling, adding or reducing service features on various accounts, and assisting members to make the most effective use of Credit Union's automated services.
Excel in exceeding established minimum expectations and goals as assigned.
Follow established credit union policies and procedures, government rules and regulations, and security guidelines.
Adhere, promote, and exemplify the credit union's core values (SMART Pro).
Performs other duties as assigned.