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America First Credit Union · 1 month ago

Universal Service Representative I - Spanish Speaking

Idaho

Full-time

Onsite

Entry Level

2+ years exp

America First Credit Union is seeking a Universal Service Representative I who is fluent in Spanish. The role involves building member relationships, cross-selling services, and performing a variety of customer service tasks, including loan processing and electronic services support.

FinanceFinancial ServicesNon Profit

Responsibilities

Acts as a Service Representative and enthusiastically cross-sell Credit Union services

Establishes and builds member relationships by identifying members’ needs and educating them with specific products and/or services

Responsible for performing a broad variety of customer services including opening new savings, share draft, and basic credit applications

Interviews, counsels, and advises members regarding basic loan products, deposits, and any other products/services, including investment referrals, insurance products, and mechanical repair coverage

Presents loan requests to underwriters for approval as per loan procedures

Responsible for helping members via all channels such as phone, text, e-mail, and assisting members with video solutions, and self-serve channels to determine additional financial opportunities with the credit union in a prompt and courteous manner

Actively promotes and cross sells Electronic Services to members and serves as an electronic services expert in the branch

Responsible for providing secretarial and clerical support for all loan processing activities

Prepares closing documents and miscellaneous paperwork necessary for booking and funding of new loan business each month

Provides general typing and clerical support for underwriting, including credit investigations and document preparation

Tracks and obtains proof of insurance as required on member loans

Maintains departmental records and files and types routine reports and records

Ability to attain expected baselines in sales and service to support branch goals

Support marketing and lending initiatives such MRM outbound calling by proactively soliciting additional business for the Credit Union and identifying and selling AFCU products and services

Onboards new members by conducting outbound two week and two-month calls

Assumes responsibility for the effective development of Member relations through sales and service

Maintains relationships with members in the branch as well as outbound calling to onboard new members at 2 weeks and at 2 months

Maximizes the penetration of Credit Union products and services to meet/exceed established sales goals and baselines

Responsible for handling member interactions via all channels while using effective sales techniques

Assesses members' current financial needs by using effective relationship building and consultative sales techniques

Makes appropriate recommendations for loan, deposits, and other products and services

Highly motivated and self-driven. Sales and goal oriented

Demonstrate professional sales and negotiation skills to achieve individual and branch goals

Resolves members problems and concerns related to consumer loan products and services, and account issues

Acts as a senior service representative and processes teller transactions

Identify additional cross-sell opportunities, such as checking accounts, certificate accounts, core deposit accounts, and other AFCU products and services

Assumes responsibility for the efficient, effective, and accurate performance of teller functions

Represents the Credit Union in a courteous and professional manner

Receives share deposits and loan payments

Computes interest

Processes cash advances, traveler's checks, cashier's checks, and money orders

Disburses cash or check share withdrawals

Processes transfers, post CD and all types of IRA's

Verifies transactions

Monitors deposit amounts and examines documents for endorsement and negotiability

Detects and resolves discrepancies promptly

Balances daily transactions and verifies cash totals

Investigates and resolves out-of-balance conditions

Processes 'bank by mail' transactions

Provides override function for other tellers

Evaluates basic loan applications and credit criteria and determines the appropriate sale so the member and credit union both benefits

Actively and professionally cross-sells Credit Union product and services

Sells Debt Protection, GAP, mechanical repair coverage, and members financial solutions

Expectation is to meet monthly Credit Union sales Standards including promotions and campaigns

Interviews, takes applications, and processes preliminary documentation on loan requests

Conducts personal/web and telephone interviews and discusses loan alternatives, credit criteria, interest rates, and loan documentation with the member

Determines value of collateral

Verifies car insurance coverage

Notifies application of loan decisions

Requests additional information if required

Presents loan requests to underwriters for approval as per loan procedures

Processes loans including ordering of credit reports, title searches and closing

Assists in servicing and maintaining all aspects of loans but not limited to payoff, refinances, payment agreements and amendments to original loan contracts

Assumes responsibility for processing and securing liens on collateralized loans and prompt follow-up on titles still pending

Ensures that lending operations are conducted in accordance with established Credit Union policies and are legally compliant

Ensures that loan requests are properly prepared and documented and that approved loans are promptly disbursed

Resolves any rejects concerning loans and membership accounts in a timely manner

Acts as a branch expert for electronic services

Actively cross sells AFCU electronic services such as mobile banking, online banking, card guard, bill pay, mobile deposit and others

Has a knowledge of AFCU electronic services and serves as an expert for members as well as assists members with problem resolutions for electronic services

Assists members with account lock outs or other online account problems

Acts as a branch account specialist for New Accounts

Assists Members with new account openings and closing of member accounts

Assists with some Business accounts, IRA accounts, Court ordered accounts, and HSA account applications

Directs members to appropriate contacts to assist with more advanced and specialized accounts when appropriate

Performs Notary Public duties if eligible and in accordance with State Laws

Qualification

Member services knowledgeLoan processing knowledgeFluent in SpanishElectronic services expertiseNotary Public certificationTyping abilitiesSolid math abilitiesWell organizedCommunication skills