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America First Credit Union · 12 hours ago

Branch - Lead Teller Trainee

Tempe, AZ

Full-time

Onsite

Mid Level

3+ years exp

America First Credit Union is looking for a motivated individual to join their team as a Lead Teller Trainee. This role is designed to identify and develop future supervisors on the teller side, with responsibilities including overseeing teller operations, member services, and loan processing.

FinanceFinancial ServicesNon Profit

Responsibilities

Assumes responsibility for ensuring and performing efficient, effective, and professional teller operations

Ensures that all teller functions are correctly performed and are in accordance with established polices and standards. Ensures that all security procedures are followed (i.e., alarms, cameras, teller audits. etc.)

Coordinates teller operations by assisting in assigning work and distributing work flow. Coordinates weekly schedule, monitors lunch and breaks, tracks sick and vacation leave

Answers Service Representative's questions, solves problems, and assists with complex transactions and sensitive member relations problems. Explains policies and procedures to members. Makes judgements for Service Representatives within limits of authority, pertaining to cashing and/or accepting checks or drafts. Gives authorization for overrides

Investigates teller out of balance conditions and institutes corrective procedures. Assists in finding balancing errors. Ensures that each teller balances at the end of each day and that all monies are secured in accordance with established procedures

Performs teller paying and receiving functions as required. Receives share deposits and loan payments. Prepares proper receipts

Maintains an inventory of cashier's checks, money orders, receipts, travelers checks, and other negotiable items for use in the teller area

Balances vault and replenishes. Orders cash and disburses cash to tellers

Monitors orders, dispenses, ships, and balances cash

Keeps ATM functional and balanced. Insures that security procedures for ATM are followed

Loan training and duties. (The extent will vary from branch to branch.)

Assumes responsibility for ensuring and effectively performing Member Services functions

Member Services functions are performed in accordance with established policies and standards

Answers questions of members and Service Representative personnel, solves problems and assists with complex transactions and sensitive member relations problems

Explains services, policies, and procedures to members. Opens new share draft, savings, and credit card accounts, including preparing all related paperwork. Processes stop-payments. Corresponds with members regarding claims, IRA's and CD's

Maintains a supply of new account packets and related forms

Actively and professionally cross-sells Credit Union services

Assists in completing dealer payoffs and with delivery of titles

Assumes responsibility for effective receiving, reviewing, and processing of loan applications

Interviews, takes applications, gathers information and processes preliminary documentation on loan requests. Evaluates and verifies loan applications and credit criteria. Computes debt ratios. Verifies employment and income. Approves loans within limits of authority and notifies applicants of loan decisions. Requests additional information if required. Determines value of collateral

Performs loan processing functions. Pulls applicant files, verifies employment and salary, orders PR and appraisal, and runs credit reports. Types loan documents. Ensures that each loan is promptly and properly prepared, documented, processed, approved, and disbursed

Follows up to ensure that all necessary items are available for underwriting. Reviews information for completeness and accuracy. Ensures that processing is completed promptly

Assumes responsibility for 2nd mortgage loans, including origination, tile searches, appraisals, credit reports, etc. Follows through recission period to closing after all supporting documents have been legally filed and returned to the Credit Union. Follows up on mortgages, trust deeds, and title policies

Performs title processing functions. Tracks all titles accurately. Insures Credit Union as lien holder and makes loan payoffs. Maintains DMV file to ensure proper title conveyance

Calculates terms, finance charges, and insurance on loans for proper disclosure on promissory notes

Assists in servicing loans by processing such items as payoff, refinances, problem loan work-out arrangements, address changes, payment extensions, collateral releases, and payment due date changes

Posts fees to members' loans

Ensures that lending operations are conducted in accordance with established Credit Union policies and are legally compliant. Ensures that loan requests are properly documented

Effectively supervises area personnel, ensuring optimal performance

Provides leadership to personnel through effective objective setting, delegation, and communication

Ensures that personnel are well-trained, effective, and optimally used. Provides instruction regarding policy, procedure, and service and product offerings. Assists new employees

Tracks individual employee progress and assists with performance appraisals as required. Provides support and suggestions for employee improvement

Assists and supports personnel as needed

Assumes responsibility for ensuring that professional business relations exist with members

Resolves members' requests, problems, and questions are promptly and courteously resolved. Answers members' questions or refers appropriately. Answers questions regarding account balances, loans, blue book values, balances, payoffs, and student loans. Assists members with payroll deduction requests

Keeps members accurately and appropriately informed of Credit Union policies and procedures. Receives and processes new accounts and changes to existing accounts. Counsels members regarding money management and financial matters

Maintains and projects the Credit Union's professional reputation

Trains the staff on a continuous basis. (Staff meetings)

Quarterly Security training

Assumes responsibility for establishing and maintaining effective communication and coordination with Department and area personnel and with management

Coordinates Service Representative duties and responsibilities with related functions within and outside of the Department

Keeps management informed of area activities and of any significant problems. Provides suggestions for improved service

Completes required reports and related documents promptly and accurately. Types end of month reports

Maintains employee progress

Attends meetings as required. Relays information to staff

Assumes responsibility for related duties as required or assigned

Ensures that work area and equipment are clean and well-maintained

Performs procedures for opening and closing of operations, including vault, alarm, and doors

Stays informed regarding developments and changes in the financial industry

Replaces Service Representatives as needed

Performs related clerical functions as required

In the absence of the Manager, assumes responsibility and decision making for service center

Qualification

Credit Union operationsLoan processingMember servicesSupervisory skillsAnalytical skillsCommunication skillsPublic relations skillsTraining abilitiesProfessional appearanceTyping skillsMath skillsComputer software proficiency