Apply on Employer Site

Carolinas Telco Federal Credit Union · 3 months ago

MSR - TELLER

Charlotte, NC

Full-time

Onsite

Entry Level

1+ years exp

Carolinas Telco Federal Credit Union is seeking a Member Service Representative - Teller. The role involves processing loan applications, handling member transactions, and providing information about credit union products and services while ensuring compliance with policies and regulations.

FinanceFinancial Services

Responsibilities

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

Evaluates and verifies loan applications and credit criteria. Computes debt ratios manually and through the Loans System. Verifies employment and income, according to loan processing policies. Determines value of collateral. Approves loans within limits of authority and notifies applicants of loan decisions. Requests additional information if required

Process loan applications through the Loans System. Refer loan requests that fall outside MSR’s lending authority according to the Consumer Loan Policy

Ensures each loan is promptly and properly prepared, documented, processed, approved, and disbursed or adverse action is issued

Calculates terms, finance charges, and insurance on loans for proper disclosure through the Loans System

Assists in servicing loans by processing such items as payoff, refinances, address changes, collateral releases, and payment due date changes

Assumes responsibility for filing vehicle titles and prompt follow-up on titles still pending. Verifies car insurance coverage

Ensures the organizations core values are applied during communication with members and employees and are executed through daily functional processes. Make a strong commitment to enhance the organizational culture

Inform members of loan protection products, credit life, disability, and other credit union products

Performs duties of area personnel as required and maintain confidentiality and privacy of accounts

Ensures lending operations are conducted in accordance with established credit union’s policies and are legally compliant. Ensures loan requests are properly documented

Performs all teller duties and apply CTFCU’s policies and procedures as outlined in the Teller Job Description

Complies with all federal, state, and organizational policies, procedures, and processes, including (but not limited to) the Bank Secrecy Act (BSA) and Office of Foreign Assets Control (OFAC)

Completes all factors in MSR/Teller Scorecard

Resolves members' requests and questions promptly and courteously

Ensures the credit union’s professional reputation is projected and maintained

Assists area personnel as needed. Assists other Tellers and MSRs

Assists in training and cross training loan support personnel

Completes reports and records promptly and accurately

Attends meetings as required

Keeps Management informed of area activities and of any significant problems

Actively and professionally cross sells credit union products and services

Stays informed regarding local and national economic conditions and legal and regulatory changes

Ensures proper maintenance, cleanliness, and security of work area, desks, equipment, etc

Qualification

NMLS LicenseLending ExperienceCredit Union KnowledgeSalesService SkillsTime ManagementPublic Relations SkillsComputer ApplicationsCommunication Skills

Required

Business degree or one to two years of equivalent experience

Must have NMLS # or the ability to be licensed through the NMLS Registry in compliance with the S.A.F.E. Act

Knowledge of credit union loan services, policies, and procedures

Thorough understanding of related legal and regulatory standards, and required loan documentation. Knowledge of consumer and residential lending practices

One to two years of lending experience

Ability to excel in a Sales and Service Team environment. Excellent interviewing, communication, and public relations skills. Excellent Time Management. Professional appearance and attitude

Ability to operate related computer applications, and other business equipment including calculators, printer, telephone, and notary stamp