Access Credit Union

Member Service Representative

• Process over the counter financial services in an efficient and professional manner
• Balance transactions including ATM, night deposits and the cash drawer on a daily basis
• Resolve routine problems with member accounts and deposit instruments referred by members and other branch staff
• Proactively respond to member inquiries in all mediums (in person, answering the branch phone, respond to email)
• Cross-sell all credit union products; solicit new members; foster business development through service excellence

Member Service Representative – Part-time, Permanent

General

• Identify member needs and sell a full range of credit union products and services, including loans and mortgages, lines of credit, credit cards, etc.
• Complete credit applications thoroughly ensuring that all relevant information is included and analyzed in supporting recommendations within established limits and procedures.
• Communicate to the member all terms and conditions of any credit, product being presented, ensuring that all products sold are consistent with the member’s needs and risk tolerance.
• Ensure instructions outlining the conditions of lending products clearly laid out (loan type, interest rate, security, searches, liens, etc.).
• Maintain thorough knowledge of and adhere to credit union policies and procedures on risk management, confidentiality, security and fraud prevention.
• Work directly with the loans processing department to ensure timely and accurate administration of documentation.
• Control loan delinquency through communication with the member prior and subsequent to the loan being granted.
• Maintain and document a systematic collection procedure for early identification and follow up of problem accounts.
• Operate as the primary contact for assigned members, managing the relationships on behalf of the credit union to ensure the members’ needs are met and the relationship remains profitable.
• Pro-actively work to retain and expand existing member relationships, while pursuing new sources of business.
• Responsible for resolutions of member concerns and escalating when required to the appropriate person or department.
• Provide input into the development of and support the achievement of branch sales goals.
• Actively participate in regular staff meetings providing input when necessary.
• Participate in and contribute to an entrepreneurial environment to seek out new business and referral opportunities that support the branch and organization goals.

Retail Lending Officer I

Analyst

• Conducting comprehensive analysis of incoming credit requests from commercial and agricultural members
• Identifying strengths, weaknesses and risks of the requests; recommending appropriate risk mitigation strategies within the Business Credit Application
• Work alongside Business Account Managers, conducting thorough credit, risk, financial, security, and industry analysis of business and agricultural credit requests to ensure credit quality is maintained
• Completing files submitted from the Business Account Manager I/II team
• Provides support, on an assigned basis, for files submitted by the Business Account Manager III team
• Completes files with requested amounts ranging from $2.5-$5.0 million with minimal support required
• Assess creditworthiness of business and agricultural members
• Evaluate the credit risk of a member through analysis of existing account performance, debt repaying history, business income earnings, purchase activities, etc.
• Conducting thorough analysis of collateral valuation, financial statements, projections, cost estimates, as well as environmental and industry factors in support of credit requests; including new requests, refinance requests and annual reviews of large loans or lines of credit
• Present analysis, findings, and recommendations in a clear, concise, and consistent manner within the Business Credit Application ensuring that all relevant information is included and analyzed

Member Service Representative – Part-time, Permanent

Retail Lending Officer I

Credit Analyst II