Marietta Location: 1075 Cobb Place Blvd NW, Kennesaw, GA 30144
Status: Full-Time – Exempt
Primary Function: Calling on new potential members and existing members to develop business and commercial lending and commercial deposit opportunities that benefit both the member and the credit union. Achieving superior levels of product and service to members and coworkers.
You must develop excellent knowledge of all credit union products and services with a complete emphasis on commercial, business and SBA loan products and related products and services.
You must develop excellent knowledge of all deposit products and related services with a complete emphasis on all cash management products and services including remote deposit capture, on-line banking, positive pay and related services.
You must be able to articulate these products and services to new and existing members of the credit union to develop greater deposits and commercial/business/SBA loans.
You must be willing to make numerous outside calls, with and without other credit union employees to develop business and further the goals for lending and deposits for the credit union.
You must be excellent in follow-up and organization. You must be personable, outgoing and friendly.
You must understand that many times your most important customer/member is your coworker as they are a huge referral source.
Education and Experience:
A sales background with an emphasis on service and professionalism is critical. A friendly and outgoing personality combined with problem solving skills is essential. The successful candidate must be seen as a resource for others in the organization to partner with to further everyone’s goals and fully benefit our members.
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Location: 1000 NW 17th Avenue, Delray Beach, FL 33445
Primary Function: Welcome members to the Credit Union, and deliver excellent service by identifying member needs and financial solutions. Process consumer loan applications, make loan decisions, process transactions, and account changes according to member requests and credit union policies and procedures.
- Deliver products and services to meet members’ financial needs.
- Provide members with the most recent accurate information about the features and benefits.
- Open member accounts and process transactions.
- Process consumer loan applications.
- Process teller transactions.
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Status: Full-time - Exempt
Primary Function: Assist management with daily workflow of mortgage applications. Provide guidance to Loan Processor, Originators and Closers with workload when necessary. Evaluate mortgage and/or consumer loan applications for compliance to government, internal and investor standards. Approve, modify, or deny investment and portfolio loans. Provide financial counseling for members. Update and maintain policy and procedure manual.
Major Duties and Responsibilities:
Assist management with supervision of overall daily workflow of mortgage applications through entire process, which includes providing guidance to loan officers, processors and closers.
Process and approve mortgage and consumer loan applications: answer questions, verify applications for completeness, conduct credit investigation, determine value and status of collateral (if any), establish a signature limit (if applicable), approve advances for preapproved signature loans, determine debt ratio, and document loan decision in writing. Authority lending limit to be dictated per the lending authority chart in the Consumer Loan/ Mortgage Loan Policy Manual.
Deny loan applications not in conformance with credit union policies. Prepare necessary notifications and forms. Refer rejected loans to the Senior Mortgage Underwriter as needed. Discuss denials with members as outlined by policy. Document loan denials. Refer loans beyond limits to management or Loan Review Committee
Compile end-of-month report.
Remain current on changes within the legal, regulatory, economic, and competitive and technology environments, which may affect consumer lending program. Responsible for remaining current on credit life mortgage insurance program features and costs.
Maintain loan information on computer and all follow-up paperwork including: review of daily loan minutes to acknowledge previous day's loans, responsible for preparing payroll deduction, distribution and allotment forms, clearing conditions for closing and signing off, assist in clearing up post closing problems as they arise.
Explain and answer member inquiries about mortgage loans, payoff schedules, loan rates, overdraft loan protection, and loan disbursals. Monitor and answer loan department phones.
Originate second mortgages and assure that these loans meet all requirements as outlined in credit union policy.
Education and Experience: Job requires a four-year college level of language, math and reasoning skills and three years experience, or an equivalent combination of education and/or work experience. Formal position training should be supplemented with continuing education. This is an exempt position.
Work Environment/Physical Activities: Job requires limited physical effort. It is basically a desk assignment. The job calls for a high degree of mental concentration to interpret and act upon a wide range of situations. The job requires a degree of attention to details.
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