Universal Associate

Corazo Credit Union; Brawley (CA); On-site; USD 42,000 - 56,000; Full time

Job summary

Corazo Credit Union in California is seeking a versatile Member Service Representative to support branch operations, lending, and back office tasks. The role includes opening new accounts, handling loan processing and funding, and cross-selling products.

You will assist loan servicing with delinquent accounts, communicate with members, and ensure compliance with lending policies while maintaining accuracy and timely funding.

Qualifications

• Minimum of one-year Member Service Representative, two-year collection experience, two-year Member Service Officer, or combined related experience of 5 years within a financial institution
• Excellent written and verbal communication skills required.
• Proficient in Windows, Word, Excel, and Internet.
• Familiar with the Federal Fair Debt Collection Practices Act, California Fair Debt Collection Practices Act, and other regulatory requirements.
• Familiar with basic bankruptcy concepts, including chapter 7 & 13 codes.
• Ability to perform multiple tasks under pressure while maintaining a professional demeanor.
• Working knowledge of Credit Union lending insurance products.
• Thorough knowledge of lending policies and procedures.
• Working knowledge of compliance issues relating to Real Estate/ Consumer lending, Collections, Bankruptcies.

Responsibilities

• Open all new accounts related to product and services of the Credit Union.
• Perform all of the normal duties of a credit union member service representative.
• Process loan changes, adjustments and corrections.
• Audit loan work for accuracy and compliance.
• Assist loan officers and staff with loading loan data in the credit union’s core system.
• Cross-sell all credit union products and services with emphasis on GAP and Debt Protection.
• Reviews and gather necessary documentation to fund any consumer loan application, pre-approvals, Indirect lending documentation if needed.
• Reviews loan prior to funding to ensure it meets credit score approved guidelines.
• Backup/support for other positions as assigned by EVP/CFO or department manager.
• Performs additional miscellaneous duties as assigned by EVP/CFO or department manager.

Skills

Customer service

Communication skills

Multitasking

Detail-oriented

Interpersonal skills

Education

High School diploma

Tools

Windows

Word

Excel

Internet

Job description

Job Description

Job Description

Summary

**** This position will support all areas of the Credit Union: Branch Operations, Lending and back office departments. Work to assist in daily operations of branch, assist loan servicing department with delinquent accounts, assist branch operations, and lending department with loan processing/funding. Assist back office as needed.

Essential Functions

• To open all new accounts related to product and services of the Credit Union.

• Perform all of the normal duties of a credit union member service representative.

• Perform loan advances up to approval amount with appropriate file maintenance of loan payments, due date, and payroll deduction information, and accurately quote loan payoffs.

• Complete understanding of all new account disclosures.

• Ability to balance, service, maintain, and troubleshoot ATM machines.

• Ability to perform all transactions regarding direct deposit and payroll.

• Ability to cross-sell all loan products.

• Ensure that collateral loans are audited on a timely basis and given to DMV clerk.

• Assist the Collectors with calls on Delinquent Accounts.

• Proactively interacts with members and dealers to perfect security interest in collateral.

• Proactively ensures completion of the DMV portion of the consumer loan files.

• Process loan changes, adjustments and corrections.

• Audits all loan work for accuracy and compliance to Credit Union policies.

• Effectively answers member and staff phone inquiries.

• Recommends/assists accounts eligible for deferments/loan workouts.

• Enters collection notes in system for all accounts.

• Reviews and provides timely funding within credit union standards and guidelines.

• Provides administrative assistance to the Loan Officers and staff, including loading loan data in the credit union’s core system.

• Cross-sells all credit union products and services with emphasis on GAP and Debt Protection.

• Reviews and gather necessary documentation to fund any consumer loan application, pre-approvals, Indirect lending documentation if needed.

• Reviews loan prior to funding to ensure it meets credit score approved guidelines.

• Generate loan checks/disclosures.

• Audits all loan work for accuracy and compliance to Credit Union policies.

• Backup/support for other positions as assigned by EVP/CFO or department manager.

• Performs additional miscellaneous duties as assigned by EVP/CFO or department manager.

• Assist back-office department with time sensitive task.

****Qualifications

• High School graduate.

• Excellent written and verbal communication skills required.

• Minimum of one-year Member Service Representative, two-year collection experience, two-year Member Service Officer, or combined related experience of 5 years within a financial institution

• Proficient in Windows, Word, Excel, and Internet.

• Familiar with the Federal Fair Debt Collection Practices Act, California Fair Debt Collection Practices Act, and other regulatory requirements.

• Familiar with basic bankruptcy concepts, including chapter 7 & 13 codes.

• Ability to perform multiple tasks under pressure while maintaining a professional demeanor.

• Working knowledge of Credit Union lending insurance products.

• Thorough knowledge of lending policies and procedures.

• Working knowledge of compliance issues relating to Real Estate/ Consumer lending, Collections, Bankruptcies.

Physical Demands

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is occasionally required to stand; walk; sit; use hands to finger, handle, or feel objects, tools or controls; reach with hands and arms; talk or hear. The employee must occasionally lift and/or move up to 20 pounds. Specific vision abilities required by the job include close vision, distance vision, color vision, peripheral vision, depth perception, and the ability to adjust focus.