Member Advocate 3 (Loan Officer and Teller)

NorthCountry Federal Credit Union seeks motivated employees interested in long-term professional development and advancement. We are repeat winners of Vermont Business Magazine’s “Best Places to Work” award, and we support our employees with paid training as well as competitive compensation and a generous benefit plan. NorthCountry believes everyone has the right to be their true selves at work, at home, and in the community. Our goal is to ensure an inclusive environment with access to financial services where our employees and community members feel respected, valued, safe, and secure. Starting rate: $22/hr + (dependent on experience) Role: Support the credit union’s vision of being the community’s most loved financial institution, and its mission to make people’s financial dreams come true. Contribute to a world class experience for all members and staff, by building rapport, determining needs, and offering creative solutions to best serve their needs. Demonstrate professionalism and integrity and represent the credit union’s core values in all interactions. Interactions will involve account transaction processing, account opening, account closing, account research, electronic channel support, consumer and equity loan processing, answering member questions, and providing accurate information regarding credit union products and services. Essential Functions & Responsibilities:

1. Interview members to evaluate needs and recommend consumer and equity loan options. Analyze financial position to determine risk involved in extending credit. Make recommendation to approve or deny and forward request to appropriate level for final decision. Keep informed of current trends in consumer credit and participate in sales development activities.
2. Develop and maintain a clear understanding of credit union products and services to talk confidently with members about their financial needs and cross-sell appropriate solutions to meet those needs
3. Be proficient in all teller transactions, including all electronic channels (bill pay, P2P, digital wallets), deposits, withdrawals, transfers, loan payments (including Visa), cashier's checks, and wire transfers. Understand and apply proper procedures to open and close accounts (all share types) and be familiar with IRA rules and regulations. Become cross-trained in all vault management.
4. Actively listen to members needs and offer appropriate solutions for overcoming a financial challenge or achieving a financial goal, utilizing credit union loan and deposit products. Refer problems that are beyond their authority to their supervisor along with recommendations.
5. Make decisions that align with the credit union's core values while adhering to policies and procedures.
6. Develop an understanding and working knowledge of the credit union history, philosophy, organization, bylaws, policies, procedures and appropriate software systems. Perform all other job-related duties as assigned.

Performance Measurements:

1. Attention to Detail - The level at which tasks are performed carefully, accurately, and in accordance with specific instructions. Consistency of work quality and compliance with standards, requirements, and expectations. The tracking of numerical data and detailed organizational information, and the careful application of grammar, spelling, and punctuation rules.
2. Member Focus - The degree to which member service is demonstrated in the day-to-day business environment. The level of support for co-workers as well as outside members, clients, etc.
3. Problem Solving - The ability to predict, recognize, and define problems. Skill in generating, selecting, and implementing timely and meaningful solutions.
4. Teamwork & Cooperation - The degree to which individuals promote a collaborative, cooperative, and productive working environment. The level of demonstrated sensitivity, team building, support, and respect. The degree of synergy promoted.
5. Initiative - The ability to perform job responsibilities independently and responsibly. The ability to proactively complete tasks, solve problems, improve processes, enhance products, and/or extend services within assigned range of authority.

Knowledge and Skills: Experience One year to three years of similar or related experience. Education (1) A two-year college degree or (2) Completion of a specialized course of study at a business or trade school or (3) Completion of a specialized and extensive in-house training or apprenticeship program. Interpersonal Skills A significant level of trust and diplomacy is required, in addition to normal courtesy and tact. Work involves extensive personal contact with others and is usually of a personal or sensitive nature. Work may involve motivating, influencing or training others. Outside contacts become important and fostering sound relationships with other entities (companies and/or individuals) becomes necessary and often requires the ability to influence and/or sell ideas or services to others. Other Skills Physical Requirements