Member Service Representative- Hybrid

Position: Member Service Representative (Hybrid)

Purpose: To receive and pay out money. Keep records of money and negotiable instruments involved in the credit unions various transactions. To assist the Underwriters in processing loans using established policies, guidelines and lending principles set forth by the Board of Directors. To open accounts for members by processing paperwork following credit union policy and procedures. To provide overall account/loan services/products for members.

Scope:Under the general supervision of the Branch Manager and direct supervision of the MSR Supervisor, incumbent performs a variety of routine duties related to the tellering and lending function. Must comply with applicable statutes and regulations including, but not limited, to the Bank Secrecy Act, the USA Patriot Act, and follow all policies and procedures set forth thy the credit union

Reports To: McAllen Branch Manager

Machine Skills: Fax Machine, P.C. experience including using MS Word and Excel, Copy Machine and 10 Key

Job Specifications: Most important to this position are reliability, time management, selling products and services, accuracy, attention to detail. Required communication skills, mathematical/basic business knowledge usually acquired by a high school diploma, and a minimum of 2 years in a financial institution with at least 1 year of lending experience (preference will be given to consumer lending).

Physical Requirments: Incumbent must be capable of lifting up to 25 pounds. Job requires frequent viewing of computer screens, continual eye coordination and hand/wrist movement and finger manipulation. Must be able to sit for long periods of time as well as stoop, bend and reach overhead

Duties & Responsibilities:

Teller

• Cash checks and pay out money after verifying that signatures are correct, that written and numerical amounts agree, and that accounts have sufficient funds.
• Count currency, coins, and checks received by hand or using a currency counting machine, to prepare them for deposit or shipment to vault.
• * Enter customer’s transactions into computers to record transaction and issue computer generated receipts.
• * Examine checks for endorsements and verify other information such as dates, bank names, identification of the persons receiving payments and the legality of the documents.
• * Identify transactions mistakes when drawer is out of balance.
• * Order a supply of cash to meet daily needs.
• * Prepare and verify cashier’s checks.
• * Process transactions from mail and night deposits.
• * Receive checks and cash for deposit, verify amounts, and check accuracy of deposit slips.
• * Assist members in answering questions on status of account (i.e., account balance, transaction activity, etc.)
• * Provide timely and accurate service for members and maintain the documentation to support any transaction conducted at the credit union.
• * Ability to maintain good working relationships with co-workers, supervisor, management, department head staff and various agency personnel.
• Loans
• * Interview, discuss loan products and process loan applications for applicants * Complete title work for Loan Underwriters
• * Prepare and /or coordinate all the supporting documentation for each loan to ensure that each applicant has an account and that each file has proper supporting documentation (i.e., completed application, debt/income calculation, credit report, proof of income, denial notification, etc.)
• * Create a payment plan tailored to the applicants’ needs while offering all payment protection products (Gap, VSA, Credit Life and Disability)
• * Determine vehicle and accessory values for members using the NADA or inspection of vehicle
• * Complete loan review and forward to Underwriters for decision * Communicate loan decisions with members
• * Close member as per Underwriters instructions and ensure all loan paperwork is properly completed and signed
• * Disburse loan as per Underwriters instructions
• * Conduct a review of the core system to verify the loan was disbursed correctly
• * Print all necessary loan documents for the disbursed loan and forward to the appropriate department
• * Assist members in answering questions on status of account (i.e., account balance, loan payoff, transaction activity, etc.)
• * Ability to maintain good working relationships with co-workers, supervisor, management, and department head staff and various agency personne

Job Type: Full-time

Pay: $14.00 per hour

Benefits:

• 401(k)
• 401(k) matching
• Dental insurance
• Life insurance
• Paid time off
• Vision insurance

Schedule:

• Monday to Friday
• Weekends as needed

Education:

• High school or equivalent (Required)

Experience:

• Cash handling: 1 year (Preferred)
• Customer service: 1 year (Preferred)

Work Location: In person

Salary : $14