Virtual Branch Representative

Virtual Branch Representative

Full Time (40 hours)

Monday - Saturday (Varies)

Friday 8am to 5pm

Headquarters

630 Trade Center Drive

Las Vegas, NV 89119

PURPOSE:

The primary purpose of this position is to assist Silver State Schools Credit Union to live out its Mission, "Excellent Member Service and Financial Solutions - For Life," by providing outstanding service to both members and internal members. A key component of this service is to identify member needs and provide appropriate credit union product solutions.

• To deliver service in alignment with our Service Commitments:
• I will earn respect and build trust by acting with integrity in every situation.
• I will understand my role in supporting the team to achieve our purpose.
• I will focus on people over products and build lasting relationships.
• I will take ownership and accept responsibility.
• I will treat my coworkers with the same high standards as I treat my member.
• I will continuously look for ways to improve myself, my credit union, and my community.
• I will accept there is no "they". We are one working toward the same mission.
• I will commit to the core values.
• Possess adequate product knowledge as measured by the annual product knowledge certification assessment.
• Meet or exceed established sales and service goals.

SUMMARY:

Responsible for building relationships with our credit union members. Must be able to present credit union products and services that match the member needs. Assist members in resolving account and/or loan related problems. Build member relationships through proactively identifying additional products and services that will aid the member in achieving their financial goals. Communicate effectively with prospective and current members and represent the credit union in a positive and professional manner. Provide highest level of caring, personalized service and quality products, while staying abreast of members' needs and expectations.

Within written authorities and in accordance with sound underwriting practices as set forth in policy/procedure manuals, this position examines, evaluates, inputs data, and assists with qualifying the borrower/member application request for secured/unsecured fixed rate loans or open-end lines of credit. This includes all deposit accounts, consumer loan products, credit card, and equity products secured by deeds of trust.

All new account and/or loan applications, and any services or products requested by a member are expected to be facilitated including proper communication and documentation within the required service standard levels set forth by the institution.

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Contribute to the development and refinement of the credit union's loan growth and strategy working in a team environment dedicated to exceptional member service.
• Ability to perform in a high-volume/production, fast-paced Call Center environment processing new accounts and loans. This includes inbound and outbound calls to members and potential members offering products and services to enhance the member engagement.
• Ability to organize and prioritize work in a high volume and fast paced environment to ensure timely and accurate opening, processing, and funding of all requests, new accounts, and loans.
• Analyze completed loan applications and supporting documentation submitted by the origination source. Expeditiously analyzes the applicant's financial status, credit history, and collateral, when applicable, to determine feasibility of qualifying the requested loan.
• Responsible for accurately completing and reviewing all loan applications, gathering supporting documentation, analyzing applicant's financial status and credit worthiness, and valuing the collateral prior to submitting applications to Consumer Lending for a credit decision.
• Looks for ways to qualify the loan request by gathering additional information when needed, offering counteroffers when applicable, and suggesting cross-sell opportunities to the origination source.
• Responsible for complete and accurate analysis and input of income verifications including tax returns and paystubs. Must understand title reports and how to calculate loan-to-value and debt ratios.
• Provides counseling to applicants, members, and dealers regarding loan decisions and applicable policies and procedures. Ensures that the policies and procedures are adhered to within established guidelines. Acts as a liaison between members and dealers to generate quality loans that are within established guidelines.
• Responsible for efficiently and accurately communicating all credit decisions to applicants in a timely manner.
• Interacts with credit union staff, dealers and vendors regarding credit union policies, loan applications, decisions, required documentations and subsequent funding.
• Completes each applicable task, stipulation, or condition within lending platform as applicable.
• Ensures all executed documentation and packets (includes all forms for new accounts and loans as well as SSSCU process forms) are complete, accurate and archived according to policy requirements and compliance regulations.
• All documentation and packets must be completed in the expected timeframe set forth by the Virtual management team.
• Processes and opens new accounts and additional services while meeting cross-sell performance standards.
• Identify cross-sell opportunities to enhance relationships with members and must maintaining an expert level of knowledge of Credit Union features and benefits, products, and services.
• Describes and recommends suitable insurance and ancillary products.
• Respond and assist members via secure chats and secure emails.
• May process a variety of financial transactions for members including issuing checks, processing deposits and withdrawals from accounts, domestic wires, filing insurance claims, issues certificates, drafts, and other negotiable instruments.
• Responds and researches member inquiries regarding the operation of accounts, access to services, resolving account discrepancies, card and account disputes, balancing and reconciling, adding or reducing service features on various accounts, and assisting members to make the most effective use of Credit Union's automated services.
• Excels in exceeding established minimum expectations and goals as assigned.
• Follow established credit union policies and procedures, government rules and regulations, and security guidelines.
• Adhere, promote, and exemplify the credit union's core values (SMART Pro).
• Performs other duties as assigned.

PERFORMANCE STANDARDS:

A complete understanding of credit union products and services to engage in cross-selling to members is required. Assist in attaining the lending goals and objectives of the credit union. Professional approach to assessing the credit needs of members while observing the established lending policy guidelines and all applicable compliance regulations. Must fully understand the factors considered in the credit qualification process, and the appropriate steps to ensure compliance with applicable regulations. Accurately completes system input to obtain valid credit scores. Must be competent and comfortable in a sales environment. Ability to maintain a cooperative and positive attitude toward members, potential members, and credit union staff. Credit decisions should be made and communicated to the origination source within an average of 2 hours from the application being received by the loan department. Professional appearance and attitude as well as the ability to communicate effectively with members and fellow workers. Willingness to continue personal development by attending job related seminars, workshops, college courses, or other learning opportunities.

QUALIFICATION REQUIREMENTS:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Excellent customer service skills to assure quality internal / external member service.

EDUCATION and/or EXPERIENCE:

High Scholl diploma or GED plus 2 -4 years minimum experience and/or training; or equivalent combination of education and experience primarily derived from prior experience as a Financial Institution Loan Officer.

COMMUNICATION SKILLS:

Ability to read and interpret documents such as credit bureau reports, verifications of income, reports, collateral appraisals, policy/procedure and federal/state compliance manuals. Ability to write routine reports and correspondence. Ability to speak professionally and effectively with members and other employees of organization. This includes communication in person, email and over the phone.

MATHEMATICAL SKILLS:

Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals. Ability to compute rate, ratio, and percent and to draw and interpret bar graphs.

REASONING ABILITY:

Ability and willingness to solve practical problems and deal with a variety of concrete variables in situations where a considerable amount of standardization exists. Ability to interpret a variety of instructions furnished in written form, including but not limited, to Loan Policy and Procedural Manuals, Regulation Z, Section 91 ‑ The Fair Credit Reporting Act, and UCC.

CERTIFICATES, LICENSES, REGISTRATIONS:

No requirement.

OTHER SKILLS and ABILITIES:

Ability to operate general office machines and equipment such as: typewriters, photocopier, fax machine, personal computer, and printers. Experience in Microsoft Office Suite, Google Mail, Word, Excel and other software preferred.

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 accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is regularly required to sit; talk and hear. The employee frequently is required to use hands to finger, handle, or feel objects, tools, or controls. The employee is occasionally required to stand; walk; reach with hands and arms; and stoop, kneel, crouch, or crawl.

The employee must occasionally lift and/or move up to 30 pounds. Specific vision abilities required by this job include close vision, distance vision, and the ability to adjust focus.

WORK ENVIRONMENT:

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The noise level in the work environment is usually quiet.

MENTAL DEMANDS:

The mental characteristics necessary to competently perform this job involve the need to be flexible, resourceful, perceptive and persuasive in solving problems; the frequent need to take initiative and instruct; and the continuous need to concentrate, exercise sound judgment and patience in dealing with employees, dealers and members; and the ability to multi-task, prioritize, balance competing demands, and complete projects within needed timeframes.

The employee is occasionally required to write letters, negotiate, use basic and complex numeric calculations, be creative and become resourceful in resolving problems and challenges. The employee frequently is required to be alert, precise, solve problems, be persuasive, exercise sound judgment, take initiative, and analyze situations. This high- volume job also requires the ability to handle stressful situations.

**ONLY FULLY COMPLETED APPLICATIONS WILL BE CONSIDERED**

***SEE RESUME ON APPLICATIONS WILL NOT BE CONSIDERED***

****SSSCU IS AN EQUAL OPPORTUNITY EMPLOYER****

Salary : $24 - $25