Position Overview
The primary purpose of this position is to assist Members First Credit Union to deliver on its mission: To encourage a better tomorrow. To achieve this mission, the position must deliver on our brand promise: We believe in you. Our promise is to be trustworthy, caring, and enthusiastic to help you succeed. You will do this by living out our core values in every service contact to both internal and external members.
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Trustworthy
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Caring
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Enthusiastic
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We deliver Excellence through knowledge.
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We are committed to encouragement and the power of positivity.
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We are hardworking, passionate people.
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We can be depended upon to do the right thing.
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We respect all people, without judgment.
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We encourage maximizing happiness and fun.
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We believe in exceeding expectations.
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We give the best of ourselves when we join together.
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We thrive by finding new ways to help.
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Essential Duties
Provide prompt, professional, helpful, knowledgeable and courteous member service.
Answer questions effectively and provide information as requested.
Prepare and process all paperwork needed to finalize a commercial loan.
Access credit-reporting system and review report and compare against the loan application.
Secure all documents and signatures to perfect any liens or notes and security agreements.
Obtain proof of insurance on collateral, when applicable.
Update pending loan files on a daily basis.
Duties and Responsibilities
The following statements are intended to describe the general nature and level of work being performed by this position. It is not intended to be an exhaustive list of all duties, responsibilities and skills required of this position. Other duties may be assigned to meet business needs.
- Deliver on the Credit Union’ Service Promises in every service situation.
- Responsible for the Commercial Loan Servicing Function, recommending changes to improve business loan servicing efficiency and assisting the Commercial Lending Manager, as assigned including, but not limited, to the following responsibilities:
- Managing the Financial Statement Tickler Report;
- Managing the Insurance and UCC Tickler Reports;
- Responsible for UCC Tickler system for the Business Department for follow-up on continuation statements and terminations;
- Responsible for managing the property tax payment verifications/tax escrow analysis;
- Responsible for Pre-Closing and Post-Closing reviews for business loan closings. Post any loan exceptions on tickler system;
- Prepare loan docs using Laserpro or Compliance One;
- Prepare files and scan loan documents;
- Update and manage loan exception report on monthly basis;
- Develop new business loan files;
- Prepare assistance in reviewing, preparing and maintaining various credit files.
- Processes mail as required.
- Other duties as assigned.
Qualifications and Expectations
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the expectations of the person performing this job.
- Strive to exceed credit union, department, and personal goals.
- Works autonomously.
- Manages projects successfully from start to finish.
- Meets deadlines.
- Team oriented.
- Produces accurate work results.
- Readily keeps others adequately informed.
- Presents a professional image.
- Maintains a high level of knowledge of credit union products and services.
- Attend educational functions as required.
- Ability to communicate with members and other staff members clearly and concisely.
- Must have a good knowledge of State and Federal laws governing the commercial lending process.
- Good organizational skills, attention to details with solid time management skills and well-developed abilities to multi-task.
- Ability to work overtime, attend meetings, seminars and travel.
- Must have flexibility to deal with changing work hours and locations as needed.
- Will be willing and able to file documents as required.
- Courtesy, tact, and diplomacy are essential elements of the job. Work involves personal contact with others inside and /or outside the organization generally regarding routine matters for purposes of giving or obtaining information, which may require some discussion.
Physical Requirements
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 accommodations may be made to enable individuals with disabilities to perform the essential functions.
- While performing the duties of the job, the employee is regularly required to stand, sit for up to 3 hours at a time, walk, use hands to finger, handle, or feel, reach with hands and arms, stoop, kneel, crouch or crawl, and talk or hear.
- The vision requirements include close vision and ability to adjust focus for up to 8 hours per day.
- Nature of position requires physical mobility and the ability to lift a minimum of 25 pounds.
Work Environment
- Must maintain a neat and orderly work area.
- Routinely clean and disinfect work areas (i.e. teller stations, desk surfaces, phones, electronic equipment).
- Wipe down teller windows and desk surfaces after every Member and Team Member interaction. If limited or no Member interactions, this practice is to be completed a minimum of twice a day.
- Wipe down door handles, drive thru canisters, desks, telephones, areas that are often touched by members or team members coming in frequently.
- Sanitize shared spaces such as break rooms, whiteboards, and meeting tables after every use.
- Protect the confidentiality of credit union staff and members by locking door or removing items from desk/workstation when away.
Education and Experience
- Minimum high school graduate or equivalent.
- Minimum 1 to 3 years’ experience in the financial industry.
- Able to operate a 10 key calculator and typewriter.
- Experienced in operating a personal computer.
- Must possess excellent oral and written communication skills.
- Skills in Microsoft Word, Excel, and Outlook.
