FINANCIAL SERVICES SPECIALIST

Occupational Summary

• Performs duties in the Call Center, Lending Area or Operations Department as assigned.
• Provide accurate and detailed information to credit union members concerning credit union services and policies to include:  shares, audio express, share drafts, certificates, IRA's, payroll deduction, loans, Visa, and automated teller machine cards.
• Receive members in person or by telephone and greet members, and in turn, handle the transaction requested or direct them to the proper person. Insure that all requests for services by members are processed in a timely manner in accordance with credit union policies and procedures. 
• Responsible for marketing credit unions products and services by cross-selling.
• Operate and maintain a working knowledge of the data processing system as it relates to the daily operations of the credit union.  This includes the ability to enter all transactions, deposits, withdrawals, and maintain accounts.
• Act as the "personal image" of the credit union by greeting members, either in person or by telephone, in a warm, courteous manner so as to promote good will among them. 
• Conduct loan interviews and, as authorized, approve and process loan applications in a timely manner in accordance with credit union policies and procedures and all applicable laws.

Call Center

• Provides in person or by telephone, detailed information concerning credit union services or policies.
• Answer member questions and resolve account problems; assist members in reconciling account balances; waive fees when indicated or refer to higher level personnel if unable to resolve problem.
• Assist loan officer in obtaining information from members on applications; assist loan department with processing loan requests, pulling files and credit reports, preparation of loan documents and all functions necessary for loan approval.
• Prepare bi-weekly and monthly payroll change report (including setting up payroll group and/or allocation to various credit union accounts).
• Approve loan requests within authorized limits.
• Quote accurate loan pay-off information.
• Recommends exception approval to Director of Lending or designee.
• Oversee follow-up system of loan documentation, locate missing documents or information, take appropriate action to protect Credit Union’s interest.
• Return titles or deeds of trust to members when loans are paid.

Perform other duties as may be required or requested by the Financial Guidance Counselor.

Lending Area

• Obtain information from members for Consumer and Mortgage Applications.  Process loan requests, analyze credit reports, prepare loan documents, disburse loan funds, and perform all other duties that are needed to assist in the loan approval process.
• Responsible for verifying and insuring that all mortgage requests are within credit union policy and procedures, and that each mortgage request is properly prepared, documented and approved.
• Perform borrower prequalification assessment and analysis of financial condition; carefully assess and evaluate the risk of financing requests within the framework of the credit union’s culture and current economic and industry trends.
• Coordinate process of approved loans; ensures mortgages are processed according to agreement, member needs and conform to credit union lending policies; obtain sufficient information and/or documentation from members; solve problems relative to processing and servicing of loans within portfolio; approve loan disbursements in accordance with agreements.
• Underwrite and approve loans submitted through Credit Union Direct Lending (CUDL) and perform all other duties that are needed to assist in the loan approval process.
• Approve loan requests within authorized limits.
• Recommend exception approval to Director of Lending.
• Responsible for follow up system of loan documentation, obtain missing documents and information on a timely basis and take appropriate action to protect the credit union’s interest. 
• Ensure that lien and title information is properly recorded.
• Return titles or deeds of trust to members as needed.
• Assist in collection of bad checks, POS disputes and charged-off accounts.
• Assist in member contacts (by phone, in person, or in writing), in collection of delinquent accounts.
• Keep current and be knowledgeable of credit union collection and loan policies and procedures, and all applicable laws and regulations.
• Prepare and maintain accurate records of all member contact, including loan documentation, spending and repayment plans, legal documentation, written correspondence, i