Affinity Plus Federal Credit Union
Loan Officer - Richfield, MN
Affinity Plus Federal Credit Union, Richfield, Minnesota, United States,
Description
Position Overview:A Member Consultant interacts with members through a variety of communication channels including: Face to face, Drive Thru, Phones, Mobile Apps, Chat, Text, SMS, and/or Video Banking. In listening to our member's needs and goals, a Member Consultant recommends different types of consumer lending and account products. Additionally, this role will also assist members with self-serve education, transactions, budgets, account maintenance, and other account related issues.Duties and Responsibilities:Open membership savings, checking, certificates of deposit, Individual Retirement Accounts (IRA), and other credit union accounts or productsProvide information and recommendations to members concerning services and products, directing them to appropriate person when neededAssist members with consumer lending questions and applicationsListen to member needs, identify, and recommend products and services aligning with member's needsDetermine different types of consumer loan and credit options that are available to the memberAnalyze member's financial situation and credit report to determine if it is in the member's best interest to approve the loanReview loan agreements and gather required documentation and ensure completeness and accuracy in accordance to policyApprove loans within specified limits, and refer loan applications outside those limits to management for approvalPartner with members to understand their financial goals and assist in creating a personal budget to help them achieve those goalsProactively reach out to members on products or services that would be a beneficial to help achieve their financial goalsAssist members with accurately and efficiently processing transactionsProvide education to members on our self-serve optionsExecute wire or ACH transferring of fundsInstant issue debit, credit, and gift cardsTroubleshoot credit or debit card issues, online banking questions, or other general account related questions and issuesBalance and maintain personal cash drawer and branch vault, and appropriate currency logs if applicableOther duties as assigned
Qualifications and Skills:1+ years of customer service or professional experience working with people1+ years of consumer lending experience preferredAbility to navigate and resolve complex issues and situationsAbility to achieve call goals set by leadershipBasic knowledge of credit and regulatory policy as it relates to consumer lendingAbility to consistently identify and cross-sell product and service opportunities that will be beneficial to the memberStrong analytical and decision-making skills required with a high degree of accuracyAptitude to work independently as well as part of a team and ability to collaborate with othersStrong verbal and written communication skillsTime Management skills and the ability to prioritize workload based on department and member needsFlexibility to adapt and succeed in a dynamic environmentAbility and drive to provide exceptional service to members and employeesIntermediate computer skills and the ability to navigate between multiple systems with ease
Workplace Environment:Requires face-to-face interaction and coordination of work with other employees, and in-person interactionSitting 70-80% and standing 20-30% which is determined on your rotation within the branchWorking at a computer 98% of the dayUtilizing the phone 40-60%Bending, twisting, kneeling, stooping, or crouching when appropriate, on occasionRepetitive movements, including but not limited to typing, using a mouse, phones, etc.Lift, carry, push or pull up to approximately 50 pounds (cash/coin bags, supplies, etc.)Requires face-to-face interaction and/or coordination of work with other employees and departments, and in-person interaction
Required Work Schedule:
Shifts between 7am - 7pm Monday - Friday and Saturday 7-3. Consistent and reliable attendance is a required essential function of this role to meet the needs of the department/team and organization.Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)
Position Overview:A Member Consultant interacts with members through a variety of communication channels including: Face to face, Drive Thru, Phones, Mobile Apps, Chat, Text, SMS, and/or Video Banking. In listening to our member's needs and goals, a Member Consultant recommends different types of consumer lending and account products. Additionally, this role will also assist members with self-serve education, transactions, budgets, account maintenance, and other account related issues.Duties and Responsibilities:Open membership savings, checking, certificates of deposit, Individual Retirement Accounts (IRA), and other credit union accounts or productsProvide information and recommendations to members concerning services and products, directing them to appropriate person when neededAssist members with consumer lending questions and applicationsListen to member needs, identify, and recommend products and services aligning with member's needsDetermine different types of consumer loan and credit options that are available to the memberAnalyze member's financial situation and credit report to determine if it is in the member's best interest to approve the loanReview loan agreements and gather required documentation and ensure completeness and accuracy in accordance to policyApprove loans within specified limits, and refer loan applications outside those limits to management for approvalPartner with members to understand their financial goals and assist in creating a personal budget to help them achieve those goalsProactively reach out to members on products or services that would be a beneficial to help achieve their financial goalsAssist members with accurately and efficiently processing transactionsProvide education to members on our self-serve optionsExecute wire or ACH transferring of fundsInstant issue debit, credit, and gift cardsTroubleshoot credit or debit card issues, online banking questions, or other general account related questions and issuesBalance and maintain personal cash drawer and branch vault, and appropriate currency logs if applicableOther duties as assigned
Qualifications and Skills:1+ years of customer service or professional experience working with people1+ years of consumer lending experience preferredAbility to navigate and resolve complex issues and situationsAbility to achieve call goals set by leadershipBasic knowledge of credit and regulatory policy as it relates to consumer lendingAbility to consistently identify and cross-sell product and service opportunities that will be beneficial to the memberStrong analytical and decision-making skills required with a high degree of accuracyAptitude to work independently as well as part of a team and ability to collaborate with othersStrong verbal and written communication skillsTime Management skills and the ability to prioritize workload based on department and member needsFlexibility to adapt and succeed in a dynamic environmentAbility and drive to provide exceptional service to members and employeesIntermediate computer skills and the ability to navigate between multiple systems with ease
Workplace Environment:Requires face-to-face interaction and coordination of work with other employees, and in-person interactionSitting 70-80% and standing 20-30% which is determined on your rotation within the branchWorking at a computer 98% of the dayUtilizing the phone 40-60%Bending, twisting, kneeling, stooping, or crouching when appropriate, on occasionRepetitive movements, including but not limited to typing, using a mouse, phones, etc.Lift, carry, push or pull up to approximately 50 pounds (cash/coin bags, supplies, etc.)Requires face-to-face interaction and/or coordination of work with other employees and departments, and in-person interaction
Required Work Schedule:
Shifts between 7am - 7pm Monday - Friday and Saturday 7-3. Consistent and reliable attendance is a required essential function of this role to meet the needs of the department/team and organization.Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)