Loan and Member Services Representative

Sovita Credit Union; Flint (MI); On-site; USD 25,000 - 32,000; Full time

Job summary

Sovita Credit Union is seeking a Loan and Member Services Representative to provide top-notch service to members, process loans, and promote credit union products across our Genesee County and Lapeer offices. The role involves handling deposits, withdrawals, and various account maintenance tasks, while ensuring compliance with policies and security standards.

The ideal candidate has a High School Diploma or equivalent and, ideally, prior experience in a financial institution.

Qualifications

• High school diploma or equivalent.
• Previous financial institution experience desired.

Responsibilities

• Provide quality service to members and team members as defined by the credit union's service standards at all times.
• Warmly acknowledge and greet members with a sincere smile upon arrival at one of our offices.
• Proactively promote credit union products and services to save members time and money.
• Comprehensive knowledge of all credit union products and services, as well as the related policies, procedures, rules and regulations.
• Accurately process member requests in person and over the phone, such as transferring/withdrawing funds; provide monetary instruments such as cashier's checks; open/close various account types; assist with account maintenance requests on accounts, IRAs, Certificates of Deposit and other credit union products.
• Handle member challenges and complaints in a way that is consistent with the Credit Union's service standards.
• Assist members in person, by telephone, or electronically with the loan application process to ensure completeness of information. Perform all basic loan application functions, such as interviewing, obtaining/analyzing credit reports, verifying debts, analyzing collateral (pull NADA values) and calculating debt-to-income/unsecured ratios. Guide members through the loan process and present loan options in a consultative manner.
• Accurately process loans, complete loan documents, close, and disburse loans when approved. Audit loans to ensure all documentation is complete and accurate.
• Assist members in filing GAP, credit disability, and credit life insurance claims.
• When a loan is denied, explain reasons for denial in a professional, courteous manner. Work with member to provide recommendations or alternative options for other possible ways to secure a loan in the future.
• Develop and grow member relationships by following the credit union's new member onboarding process, follow-up programs and other activities as assigned.
• Assist in balancing department/branch at the end of day and other nightly duties.
• Comply with and maintain an up-to-date and comprehensive knowledge of all related policies, procedures, rules and regulations.
• Ensure that all information and transactions regarding credit union members are kept confidential. Enforce strict adherence to established security procedures.
• Performs other duties as assigned.

Education

High School Diploma or Equivalent

Tools

Computer

Printers

Scanner

Telephone system

Adding machine

Job description

About the Organization Sovita Credit Union is a locally owned and operated financial institution serving education and healthcare workers, their families and their communities. Since 1934, Sovita Credit Union's focus is on raising up the life's work of those who work hardest. We lift others by solving and serving with a genuine desire to say yes. Sovita Credit Union has four branch offices located in Genesee County and one in Lapeer.

Position Loan and Member Services Representative

JOB/TASK FUNCTIONS: ESSENTIAL TO THE POSITION

• Provide quality service to members and team members as defined by the credit union's service standards at all times.
• Warmly acknowledge and greet members with a sincere smile upon arrival at one of our offices.
• Proactively promote credit union products and services to save members time and money.
• Comprehensive knowledge of all credit union products and services, as well as the related policies, procedures, rules and regulations.
• Accurately process member requests in person and over the phone, such as transferring/withdrawing funds; provide monetary instruments such as cashier's checks; open/close various account types; assist with account maintenance requests on accounts, IRAs, Certificates of Deposit and other credit union products.
• Handle member challenges and complaints in a way that is consistent with the Credit Union's service standards. Take ownership by resolving issues or connecting the member with the right team member for specific information and assistance.
• Assist members in person, by telephone, or electronically with the loan application process to ensure completeness of information. Perform all basic loan application functions, such as interviewing, obtaining/analyzing credit reports, verifying debts, analyzing collateral (pull NADA values) and calculating debt-to-income/unsecured ratios. Guide members through the loan process and present loan options in a consultative manner.
• Accurately process loans, complete loan documents, close, and disburse loans when approved. Audit loans to ensure all documentation is complete and accurate.
• Assist members in filing GAP, credit disability, and credit life insurance claims.
• When a loan is denied, explain reasons for denial in a professional, courteous manner. Work with member to provide recommendations or alternative options for other possible ways to secure a loan in the future.
• Develop and grow member relationships by following the credit union's new member onboarding process, follow-up programs and other activities as assigned.
• Assist in balancing department/branch at the end of day and other nightly duties.
• Comply with and maintain an up-to-date and comprehensive knowledge of all related policies, procedures, rules and regulations.
• Ensure that all information and transactions regarding credit union members are kept confidential. Enforce strict adherence to established security procedures.
• Performs other duties as assigned.

JOB/TASK FUNCTIONS: MODIFIABLE

• Admit members to Safe Deposit Boxes. Process new applications for Safe Deposit boxes.
• Perform duties of a teller when needed.

Position Requirements

• STRENGTH LIGHT - Exert force to 20 lbs. occasionally or 10 lbs. frequently, or negligible force constantly. May involve significant stand/walk/push/pull.
• PHYSICAL DEMANDS: NOT PRESENT: Balancing, Crawling, Tasting/Smelling, Depth Perception; OCCASIONAL: Climbing, Stooping, Kneeling, Crouching, Feeling, Color Vision; FREQUENT: Near Acuity (under 20"), Accommodation (Focal Length Change), Field of Vision (Peripheral Vision); CONSTANT: Reaching, Handling, Fingering, Talking, Hearing.
• EDUCATION REQUIREMENTS: REASONING - Apply principles of rational systems to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Interpret a variety of instructions furnished in written, oral, or schedule form. MATH - Add, subtract, multiply and divide all units of measure. Perform the four operations with like common and decimal fractions. Compute ratio, rate, and percent. LANGUAGE - Read documents, policies and procedures. Prepare business letters, summaries, and reports, using prescribed format, and conforming to all rules of punctuation, spelling, grammar, diction, and style. Speak on a variety of subjects with poise, voice control, and confidence, using correct English and well-modulated voice. MINIMUM FORMAL EDUCATION: High School Diploma or Equivalent.
• EXPERIENCE: Previous Financial Institution Experience Desired.
• MACHINES, TOOLS, EQUIPMENT AND WORK AIDS USED: Computer, printers, scanner, telephone system, adding machine and other business equipment.
• PROTECTIVE CLOTHING AND PERSONAL DEVICES REQUIRED: None.
• ENVIRONMENTAL CONDITIONS: NOT PRESENT: Exposure to Weather, Extreme Cold, Extreme Heat, Wet and/or Humid, Vibration, Atmospheric Conditions, Moving Mechanical Parts Hazard, Electrical Shock Hazard, High, Exposed Place Hazard, Exposure to Radiation,Explosive Hazard, Toxic/Caustic Chemical Hazard; MODERATE: LIGHTING, Noise Intensity Level.

Full-Time/Part-Time Full-Time

This position is currently accepting applications.

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