Member Banking & Lending Specialist

DEXSTA FEDERAL CREDIT UNION 2187; Wilmington (DE); On-site; USD 26,000 - 41,000; Full time

Job summary

DEXSTA FEDERAL CREDIT UNION 2187 in Prices Corner, Wilmington, DE is seeking a full-time Bank Services Associate to service members’ financial needs and process deposits, loans, and related transactions at branches and the Phone Center.

The role requires high school education with lending/loan processing and financial service experience, plus strong communication and sales skills to expand member relationships. Training will cover policies, compliance and product knowledge.

Qualifications

• High school diploma or the equivalent.
• Lending /loan processing experience desired.
• Financial Service experience desired.
• Sales/Service experience desired.

Responsibilities

• Follow all credit union policies, procedures, and requirements in addition to all state and federal laws and regulations, including Regulation CC, the Bank Secrecy Act, OFAC and USA Patriot Act/Customer Identification Act (CIP).
• Service members’ financial needs at any branch location, including the Phone Center.
• Process non-monetary requests (i.e. direct deposits, online banking, mobile banking, etc.).
• Open and close members’ accounts (including savings, checking, money markets, certificates, debit cards, check orders, etc.), while learning more about members’ reasons for maintaining or dissolving their relationship with the credit union.
• Maintain members’ account information and update when appropriate.
• Investigate and reconcile members’ questions, inquiries, and concerns with regard to their accounts/services; communicate with the appropriate department or individual when applicable to ensure resolution and member satisfaction.
• Maintain an up-to-date and comprehensive knowledge of the credit union’s products and services.
• Support the credit union’s focus on member service and sales. This position will have sales and lending goals and minimum performance standards.
• Build rapport and use active listening skills, to identify members’ needs while working with members or actively researching members’ relationships to determine sales and cross-selling opportunities.
• Answer inquiries, screen, interview and counsel prospective borrowers, including explaining loan options (rates, types of loans/options, repayment terms, etc.); assist members in completing loan documentation; verify and complete appropriate credit checks and perform financial ratios to determine credit risk to credit union. Approve or deny consumer loans within established policies and limits; document approvals and notify denials in a timely manner.
• Complete and prepare loan documentation accurately and efficiently.
• Close and disburse loans according to credit union procedures and policies, ensuring borrowers are familiar with and understand loan terms, conditions, collateral and disclosures.
• Perform other duties as assigned.

Skills

Customer service

Sales

Communication skills

Problem solving

Computer skills

Education

High school diploma or the equivalent

Lending /loan processing experience

Financial Service experience

Sales/Service experience

Job description

DEXSTA FEDERAL CREDIT UNION 2187 in Prices Corner, Wilmington, DE is seeking a full-time Bank Services Associate to service members’ financial needs and process deposits, loans, and related transactions at branches and the Phone Center.

The role requires high school education with lending/loan processing and financial service experience, plus strong communication and sales skills to expand member relationships. Training will cover policies, compliance and product knowledge.