PT Teller/Loan Officer (Ocean Shores)

Location

900 Point Brown Ave NE

Ocean Shores, WA 98569

Status

Part-Time Regular, Non-Exempt

Pay Range

The full pay range is $19.73 – $29.59 hourly. Depending on experience and qualifications. In addition to your salary, compensation incentives are available. Incentive targets vary by role.

We offer a bilingual differential for employees who can assist our members’ financial needs in a second language. Proficiency is subject to passing a standardized verbal assessment. Currently approved languages are Korean, Russian, Spanish, and Tagalog.

Applicants are encouraged to apply by July 2nd, 2024 5:00 PM PST.

TwinStar Credit Union is seeking a PT Teller/Loan Officer to join our team! The Teller/Loan Officer assists in building valued financial relationships with our members by actively recommending and cross-selling credit union products and services that best meet our members’ financial needs. This position will also perform routine member transactions including deposits, withdrawals, loan payments, transfers, and check cashing.

Visa sponsorship not available.

Contact us at 800.258.3115 with any questions or request for accommodation.

Responsibilities:

• Greets members upon entrance to credit union in a courteous, timely, and professional manner; determines the member’s needs and assists members or directs the member to the appropriate person.
• Escorts member back to station or where member is comfortable to offer assistance.
• Opens new share accounts (savings, checking, money market, certificate, business, organizational, and benefit accounts, individual retirement, trust accounts, estate, custodial, and guardianship accounts) or closes existing accounts by gathering and entering necessary information into computer system; and processes necessary paperwork.
• Posts transactions on computer system including deposits, withdrawals, loan payments, transfers, check cashing, credit and cash advances; and handles money orders, and cashier’s check purchases.
• Creates and maintains a professional and effective business relationship with the member; provides members an opportunity to establish financial goals through recommending credit union programs to meet their specific needs (Financial Planning, BALANCE program, Business Services and 1st Mortgage, Home Advantage etc.).
• Teaches members how to best utilize newest technology by assisting them in set up and troubleshooting (tablets, smartphones, laptops, computers, etc.).
• Evaluates and verifies loan applications and credit criteria. Determines value of collateral. Approves loans within limits of authority and notifies applicants of loan decisions. Requests additional information, if required.
• Coordinates and processes closings. Ensures that each loan is promptly and properly prepared, documented, processed, approved and disbursed.
• Actively cross-sells and opens credit union products by utilizing account information to ask pertinent questions to assess member’s financial needs.
• Contacts (on-boards) members in person, by letter, and phone to market products and services. Follows-up on contacts and increases penetration of member financial services while using CRM program.
• Protects the assets of the credit union by properly identifying members and performing transactions with accuracy.
• Maintains and balances cash within established limits.
• Performs a variety of account maintenance duties (i.e., name and address changes, etc.).
• Prepares and executes 90 day action plans. Establishes goals and achieves goals through effective sales programs designed to meet member needs.
• Exhibits effective written and oral communication skills. Displays professionalism in presentations to members and potential members. Displays a positive and professional attitude.
• Performs MIP (Member Identification Program) process as outlined in the credit union’s Bank Secrecy Act procedure. Ensures the security and confidentiality of private member information. Completes Bank Secrecy Act related forms, including, but not limited to, the following: Currency Transaction Report, Suspicious Activity Report and Negotiable Instrument Log.
• Performs required OFAC (Office of Foreign Assets Control) check as outlined in the credit union’s Bank Secrecy Act procedure and reports any positive matches to the Branch Manager or Designee.
• Monitors and communicates potential suspicious activity/transactions to the BSA Officer.
• Effectively participates in Sales and Marketing initiatives through educating our members of program features and benefits while contributing to overall branch production using the Schneider Sales Model.
• Uses established sales programs to meet or exceed production and referral goals established by Management.
• Represents TwinStar Credit Union at events as required.
• Attends required technical and sales training as required.
• Maintains well-developed working knowledge of the assigned duties and job functions; keeping up to date and requesting additional training and/or development as needed.
• Reports regularly to work and returns from breaks and meal periods on time according to the posted schedule.

Education and Experience Required:

• High school graduate or GED
• 1+ years of experience with customer service, cash handling, and sales in a financial services or retail environment

Education and Experience Preferred:

• Associates (A.A.) degree in a related field
• Experience at a financial institution in a branch environment
• Experience opening new accounts
• Experience working in a lending environment
• Experience working in sales

Knowledge, Skills and Abilities:

• Knowledge of credit union products and services.
• Knowledge of the entire lending process including interviewing and documentation.
• Knowledge of Internal Revenue Rules as related to taxation on loans and interest income on deposits.
• Knowledge of financial instruments and investment securities.
• Knowledge of the complete line of products and services offered.
• Knowledge of Bank Secrecy Act, Patriot Act, Federal Right to Privacy Act, Fair Credit Reporting Act, Truth In Lending and SAFE Act regulations; in addition to other state and federal security laws, and applicable regulations for banks and financial institutions.
• Knowledge of credit union policies, procedures, established processes, and the Symitar system are preferred.
• Knowledge of federal, state and local laws, statutes, regulations codes and standards related to the area of responsibility.
• Skill in dealing tactfully with employees and members.
• Skill in written and oral communication.
• Skill in public speaking with an emphasis on persuasive presentations.
• Skill in identifying and meeting member needs.
• Skill in PC and Mainframe terminal operation, including laptops involving wifi.
• Skilled in performing duties in compliance with lending guidelines and credit union procedures.
• Actively learning by understanding the implications of new and existing information for current and future problem solving and decision-making.
• Establishing and maintaining effective working relationships with area Vice Presidents, Directors, Branch Managers, and employees.
• Giving full attention to what other people are saying, taking time to understand the points being made, asking questions as appropriate, and not interrupting at inappropriate times.
• Performing effectively in environments with frequent workload changes and competing demands.
• Using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions and approaches to problems with successful outcomes.
• Actively looking for ways to help members and co-workers.
• Ability to understand and explain legal issues involving credit.
• Ability to establish and achieve goals through effective sales programs.
• Ability to follow-up on contacts and increase penetration of member financial services.
• Ability to make professional presentations to members and potential members.
• Ability to convey a positive, professional and self-confident image to public.
• Ability to work effectively and productively in a fast-paced and sometimes stressful environment.
• Ability to work in a sales environment where sales performance is monitored.
• Ability to apply skills learned by attending Schneider Sales Training.
• Ability to provide leadership to develop, build, and maintain a team environment focused on the retail sales culture and service excellence.
• Effectively researching job related situations and finding solutions.
• Establishing and maintaining a good rapport with management, employees, vendors and members.
• Establishing program goals and objectives that support the credit union’s strategic plan.
• Maintaining a high level of confidentiality in all areas of responsibility.
• Performing duties accurately and with attention to detail.
• Performing job functions independently or with limited supervision and work effectively either on own or as part of a team.
• Using good judgment and make decisions within scope of job.
• Working under pressure or stress, handling multiple tasks and meeting deadlines with frequent changes to priority status.
• Working extended hours as required or requested by management to complete assigned projects, maintain appropriate staffing levels to provide service levels for member facing jobs or to ensure safety requirements are met.

Benefits

This position is eligible for Part-Time Regular benefits. Employees and their eligible family members have access to a wide array of employee benefits, such as medical, dental, vision and life insurance coverage. Medical, Dental, and Vision insurance is paid at a 100% by company for the employee coverage. We also offer Health Care FSA (HCFSA) and Day Care FSA (DCFSA). Employees have access to disability and AD&D insurance. Employees are able to enroll in our 401k plan. Part-time employees will accrue time off on the same schedule as full-time employees with the accruals pro-rated based on their scheduled FTE and the following guidelines.

All benefits except 401k start the first of the month after 30 days of employment. Employees become eligible to contribute to 401k on the first of the month following 60 days of employment.

EEO Statement TSCU is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, veteran status, disability, sexual orientation, gender identity, or any other protected status.