America First Credit Union · 15 hours ago
Back-Up Lead Teller
Santa Clara, UT
Full-time
Onsite
Mid, Senior Level
3+ years expAmerica First Credit Union is dedicated to providing excellent member services and efficient teller operations. The Back-Up Lead Teller is responsible for overseeing teller operations, ensuring compliance with policies, and assisting in loan processing while providing leadership and training to Service Representatives.
FinanceFinancial ServicesNon Profit
Responsibilities
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.)
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, CD openings and posts
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
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
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
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
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
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
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
Required
High school graduate or equivalent
Back-up Lead Teller Qualified
Passed Certification Tests 1, 2, 3, 4, Savings Training I & II, and Lead Teller Test with at least 80%
Completed MSD Phase I & II
A thorough knowledge of Service Representative operations and procedures
Thorough understanding of Credit Union operations, including opening and closing accounts, loans, IRA and certificate procedures
Thorough knowledge of member services, accounts, loans, and products provided
Understanding of new account bookkeeping procedures
Understanding of loan processing functions, including related requirements, procedures, and underwriting criteria
Knowledge of Credit Union loan services, policies, and procedures, including related legal and regulatory standards, and required loan documentation
Knowledge of consumer and residential lending practices including interest rates and how they are computed
Minimum of 2 years experience as a Teller at a full service financial institution
Back-up lead teller experience
Minimum 1 year of lending experience
Excellent interviewing, communication, public relations, and leadership skills
Supervisory and training abilities
Professional appearance, dress, and attitude
Strong analytical, financial, and math skills
Ability to operate related computer software, and other business equipment including 10-key, money counters, and telephone
Good typing skills
Company
America First Credit Union
America First Credit Union offers the finest financial products and services.
1001-5000 employees
Funding
Current Stage
Late StageLeadership Team
Thayne Shaffer
President & CEO
Brett Greenwell
Vice President - Member & Partner Relations
Recent News
GlobeNewswire
2026-01-20
2026-01-15
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