MSR/TELLER FLOATER

Member Service Representative/Teller Floater

The Member Service Floater will be responsible for working at a branch location, provide a variety of tasks consisting of teller transactions, balancing end of day member transactions, receiving/reviewing membership and loan applications for consumer, business, real estate, credit cards. Potential of resolving a variety of inbound calls and or virtual communication with current or prospective members, including but not limited to loan or balance inquiries, payments, disputes, resolving account issues, and cross sell products and services. In either function, the individual must be able to be flexible to their location, provide leadership, daily support to colleagues while ensuring the organization's core values are applied during all interactions.

Essential Functions:

1. Perform all teller duties including but not limited to, maintaining and balancing cash drawers, processing a variety of transactions, answering phones, and promote credit union products and services while adhering to the credit union policies and procedures.
2. Evaluates and verifies loan applications and credit criteria. Computes debt ratios manually and through the Loans System.
3. 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.
4. Refer loan requests that fall outside Member Service Floater lending authority according to the Consumer Loan Policy.
5. Ensures each loan is promptly and properly prepared, documented, processed, approved, and disbursed or adverse action is issued.
6. Calculates terms, finance charges, and insurance on loans for proper disclosure through the Loans System as well as offering other credit union products such as loan protection, credit life and disability.
7. Assists in servicing loans by processing such items as payoff, refinances, address changes, collateral releases, and payment due date changes.
8. Assumes responsibility for filing vehicle titles and prompt follow-up on titles still pending. Verifies car insurance coverage.
9. Answers member or prospective member inquiries promptly and efficiently via inbound calls, Glia chat, online banking message center or email.
10. Process membership or secondary account applications within a timely manner
11. Ensures lending operations are conducted in accordance with established credit union's policies and are legally compliant. Ensures loan requests are properly documented.
12. Performs duties as applicable to the role assigned and apply CTFCU's policies and procedures as outlined.
13. Adheres to the Credit Union's core values in carrying out Carolinas Telco's mission and vision.
14. 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).
15. Keeps Management informed of area activities and of any significant problems.
16. Actively and professionally cross sells credit union products and services.
17. Staying well versed on CTFCU procedures and policies by participating in continuing education programs, protecting our members by ensuring confidentiality, safety, and security of all information.
18. Stays informed regarding local and national economic conditions and legal and regulatory changes.

Performance Measurements:

1. Lending, teller, member and virtual communications functions are effectively performed in accordance with established scorecard and Credit Union policies with legal and regulatory requirements.
2. Good business relations exist with members. Programs and services are properly and thoroughly explained, and members' needs accurately assessed. Members' problems are courteously and promptly resolved.
3. Required reports are accurate and timely.
4. Good working relationships exist with area personnel and with management. Area personnel are assisted as needed.
5. Exhibits ongoing commitment to the enactment of organizational core values.
6. Credit applications and related financial data are closely and effectively analyzed and evaluated.

Qualifications:

1. One to two years of proven successful sales, cross selling, customer service and lending experience.
2. Advanced knowledge of banking/finance industry.
3. Must have NMLS # or the ability to be licensed through the NMLS Registry in compliance with the S.A.F.E. Act.
4. Thorough understanding of related legal and regulatory standards and required loan documentation.
5. Knowledge of consumer, business and residential lending practices.
6. Excellent interpersonal and customer service skills.
7. Effective organizational, multi-tasking, and time management skills.
8. Strong attention to detail and accuracy.
9. Adapts well in a fast paced, sales and deadline driven environment and excels under pressure.
10. Must be flexible and able to adjust plans quickly to meet the needs of the branch or member support department.
11. Must have personal transportation to travel between NC and SC branches as needed for an undetermined time.

Disclaimer and Acknowledgement:

Position descriptions possess the essential functions and basic duties of the role. Peripheral tasks may have been excluded. Requirements, skills, and abilities included have been determined to be the minimal standards required to successfully perform the positions. In no instance, however, should the duties, responsibilities, and requirements contained above be interpreted as all inclusive. Additional functions and requirements may be assigned by supervisors as deemed appropriate.

In accordance with the Americans with Disabilities Act, it is possible that requirements may be modified to reasonably accommodate disabled individuals. Position descriptions are not intended as and do not create employment contracts. The organization maintains its status as an at-will employer. Employees can be terminated for any reason not prohibited by law. Equal Opportunity Employer: M/F/Disability/Veteran.

I have received a copy of the above position description and understand the role's expectations for performance. I understand that should I have questions or need additional directions, it is my responsibility to seek clarification and/or assistance from my direct supervisor.