Performs essential duties and responsibilities in the following areas which may include, but are not limited to those listed and are subject to change:
Adheres to the Credit Union's core values and Service Standards in carrying out GreenState's mission and vision.
Demonstrates a positive member service (internal and external) focus at all times, greeting members and guests with a smile and eye contact immediately upon their arrival, using their name or acknowledging them, and thanking them for their business.
Demonstrates teamwork in all interactions with coworkers and in the completion of all duties and responsibilities.
Ensures confidentiality of member information.
Performs daily transactions such as posting of loan payments, disbursing checks, deposits, and withdrawals.
Maintains members account records in an accurate, thorough and confidential manner.
Issues disclosure documents to borrowers as required, including home equity initial disclosures, valuation reports, and decline letters.
Orders and reviews searches required for the processing of home equity loans. Corresponds with lenders and businesses as needed to clear outstanding issues and ensure compliance with report contents.
Prepares and delivers home equity closing documents, including required supporting documentation.
Prepares and files all mortgage related documents, including mortgage, releases, and affidavits.
Tracks maturing home equity loans; communicates with members and lending staff as required.
Ensure home equity loan files meet all applicable internal, state, and federal regulation requirements prior to or at closing.
Finalizes home equity loan applications by creating loans on borrower accounts in the core system and dispersing the loan proceeds as instructed. Corresponds with lending staff and assists with resolving any delays in funding.
Submits valuation appeals and questions to vendor as needed.
Maintains and documents loans not received and error logs. Assists in obtaining members signatures and missing documentation in a timely manner.
Processes Paybreak claims and payments, and assists members, staff, and vendors with questions.
Researches and adjusts retail loan accounts and related general ledgers as necessary. Includes returned check and ACH payments provided by Accounting
Reviews funded retail loans for compliance and prepares documents for scanning and indexing.
Corresponds with other financial institutions to process payoff requests.
Supports staff, members, and other financial institutions through prompt attention to group and individual requests for assistance.
Generates, works, and files routine reports regarding loan maintenance.
Assists in various departmental functions as directed and assigned. Functions may include, but are not limited to: Participates and assists in departmental training sessions Performs general file maintenance on accounts Assists in general collection work Assists in the processing of periodic reports Performs clerical duties including general filing and processing of mail transactions
Plays a vital role in enriching the community by participating in community service organizations and/or Credit Union sponsored events, on an annual basis.
Interpersonal skills to represent the Credit Union in a positive manner.
Reports to work punctually, works all scheduled hours, and works overtime as necessitated by business demand. Job may require a non-traditional workweek including evening and /or weekend duties.
Accuracy in recording daily transactions. Attention to detail.
Ability to prioritize work assignments and organize work efficiently to handle large volumes of details.
Good oral communication skills and the ability to produce written communication.
Ability to follow oral and written instructions and good telephone manners and techniques.
Proficiency with related computer applications, spreadsheets, word processing, and database applications.
Ability to use and understand written material and perform basic math calculations.
Member account problem-solving skills.
Ability to develop and maintain effective working relationships with co-workers.
High school diploma or the equivalent (i.e. GED) and less than one year of related experience in a credit union or similar financial institution.
Must be bondable.
Reports to Retail Processing Supervisor
This position is not responsible for the supervision of other employees.
Equal Opportunity Employment Statement
GreenState Credit Union is an EEO/AA Employer. M/F/Veteran/Disability. We strongly encourage minorities, veterans, and individuals with disabilities to apply for openings with the credit union.
GreenState Credit Union has been ranked #3 by the Credit Union Journal as one of the Top 45 Credit Unions to Work For! GreenState has been consistently recognized as a Des Moines Register Top Workplace and Corridor Business Journal Coolest Workplace! We also were awarded for “Best Internal Career Pathway” and “Best Training for Existing Employee Needs” by the Corridor Business Journal due to our Leadership Development Program, training opportunities, and high internal promotion rate!