eBranch Generalist I presso Cornerstone Community FCU

Position Summary: 

Provides Members with a full-service experience through the online, phone and video channels. Assist with member service, consumer loan origination, processing, and disbursement as well as real estate originating and other phone duties.  Assist with outbound call efforts. 

• This position is part of the Friday and Saturday rotation schedule. 

Essential Duties and Responsibilities: 

• Complete assigned training before or by the assigned deadline.
• This position is deemed an essential position and must follow the essential employee requirements. 
• Other duties as assigned.

Member Service:

Has thorough knowledge of CCFCU products and services and educates members of their availability, opens new accounts, to include but not limited to the following:  

• New membership accounts, trust, and business accounts.  
• Money Market transactions.  
• IRA accounts, HSA’s and share certificates.  
• Share Draft accounts.  
• Debit Cards.  
• Direct deposits and payroll deposit requests.  
• Explains and educates members regarding Overdraft Privilege Program and maintains necessary paperwork per member request.  
• Performs file maintenance on above items.  

Loans: 

Disburses approved consumer loans adhering to all policies and procedures established by Cornerstone Community FCU verifying all stipulations of approval have been met. This is to include but not limited to the following:  

• Assemble loan information submitted by phone, on-line, or video channel.  
• Properly secure necessary collateral and process all loan packages in a manner that will result in the least liability for the credit union.  
• Secure necessary credit ratings.  
• Assist the member toward the understanding of their own financial history.  
• Process paid unsecured and secured notes.  
• Evaluate loan applications, using all sources necessary (ex: credit report, tax returns, etc.) for the      underwriter to reach a viable determination that is a productive loan for both the member and the credit union. This must be accomplished by adherence to all federal and state laws and regulations.  
• Communicates the credit decision to the member.  
• Follows all compliance and regulatory requirements when a loan application is rejected.  
• Advises the member of the factors leading to the rejection of their loan request (if applicable).  
• Updates loan minutes.  
• Assist with training branch staff on loan process and products including ancillary products such as GAP, mechanical repair and debt protection. 

Duties Specific to Real Estate Lending: 

• Responsible for aspects of the Real Estate Lending application process including interviewing member, obtaining proper application, originating application, and any documents necessary to forward to an underwriter.  
• Obtains HMDA/Data collection information.  

Duties Specific to Phones:

• Assists with the daily handling of the phone system as it relates to the Switchboard. 
• Assists with the setup and maintenance of the phone messaging system. 

Knowledge, Skills, and Abilities:

• Must acquire NMLS within 30 days and maintain license in good standing. 
• Deep understanding of how a credit union functions, and the value it brings to its member’s and community.  This includes understanding of what a Cooperative is, as that is the business models of all credit unions. 
• Has a thorough knowledge of Credit Union Lending and can discuss the various loan alternatives with the member as well as all credit union programs and must thoroughly cross-sell all credit union products at every available opportunity.  
• Has a thorough knowledge of the documents required for each loan and has the skill to obtain the required information in a friendly and efficient manner.  

Knowledge, Skills, and Abilities continued:

• Has a thorough knowledge of interest rates and dividends, how they are computed and disclosed, and can discuss this with the member.  
• Provides consistent high-quality and memorable service to our members.  
• Ability to communicate effectively both orally and in writing and generate grammatically correct written reports, letters, memorandums, etc.  
• Excellent interpersonal communication skills and be able to establish working relationships and interact effectively with a wide range of individuals, members, and vendors.  
• Ability to problem solve and provide solutions to customer issues.  
• Desire to build strong relationships with teammates, business partners and specialists through    collaboration.  
• Self-motivated, confident, and ability to multitask effectively.  

Confidentiality:

Employees are required to maintain the confidentiality of all sensitive Cornerstone CFCU, member, employee, and proprietary information both during and after their employment. If an employee has a question about the confidentiality of a particular matter, they should consult with their Manager/Supervisor or Human Resources. Any violation of this rule may subject the employee to disciplinary action, up to and including termination of employment. 

Qualifications:

• High School Diploma required; Associates Degree preferred.  
• 1 – 3 years of Member Service, and/or Lending experience required.  
• Experience within the Financial Services industry strong preferred.  
• Working knowledge of Microsoft Office, Word, and Excel.  
• Bondable upon initial employment and continue to be bondable throughout term of employment. 
• NMLS licensed a plus. 

Physical Requirements:

The functions of the position usually performed sitting but may require some amount of time standing. Some amount of stooping, kneeling, bending, crouching, lifting, walking, carrying and other movements may be required. Tasks involving working on a computer keyboard, typewriter, calculator, cutting, labeling and taping involve extensive wrist and hand movements. All individuals are required to be able to perform these movements without significant risk of injury to themselves or others. 

EOE Race/Sex/Vet/Disability
Cornerstone CFCU is an equal opportunity employer that complies with the laws and regulations set forth in the following EEO Is the Law poster: http://www.dol.gov/ofccp/regs/compliance/posters/pdf/eeopost.pdf
Cornerstone CFCU is committed to diversity, and values the ways in which we are different.