We are looking for a dedicated and professional individual to join our team as a Credit Union Universal Associate. In this multi-faceted role, you will be the face of the credit union, delivering exceptional service while managing a wide range of financial transactions and loan processes. Your goal is to foster member growth, ensure operational excellence, and uphold the positive reputation of our institution.
Key Responsibilities
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Member Experience: Interact with current and prospective members in person, via phone or email. Provide professional service that reflects a positive image of the credit union and promotes a collaborative office environment.
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Membership Growth: Determine membership eligibility based on established guidelines and guide prospective members through the onboarding process.
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Financial Transactions: Efficiently process member transactions, including deposits, withdrawals, transfers and check cashing, account verifications, cash ordering and daily balancing.
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Loan Assistance & Processing: Assist members with loan applications and conduct interviews to gather necessary documentation. Perform preliminary processing, including credit report reviews and debt-to-income (DTI) analysis, to provide approval or denial recommendations.
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Loan Servicing & Collections: Receive and verify mortgage and loan payments. Manage late or delinquent accounts by performing follow-up calls, maintaining accurate records, and optimizing collections while preserving member goodwill.
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Operational Support: Generate operational reports and provide backup coverage for the team during absences or high-volume periods.
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Business Development: Proactively cross-sell credit union products and services to meet member needs and support organizational growth.
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Communication: Keep management fully informed of critical operational issues and maintain compliance with legal notices, such as garnishments or account restraints.
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Collaboration in the office is required.
Competencies
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Communication: Expert oral and written communication skills, including the ability to actively listen, participate in complex conversations, and use social perceptiveness to engage effectively with diverse audiences.
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Technical Proficiency: Skilled at navigating multiple computer applications simultaneously and accurately utilizing office technology for data management.
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Financial Literacy: Strong mathematics foundation and the ability to clearly articulate MRFCU products and services to members.
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Problem Solving: Proficiency in inductive reasoning, problem sensitivity, and information comprehension to resolve issues under pressure.
Professional Attributes
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Integrity & Trust: Must demonstrate high levels of trustworthiness, ethics, and a commitment to maintaining strict confidentiality.
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Composure: Proven ability to remain calm and minimize panic during high-stress situations or emergencies, such as a robbery.
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Self-Management: Strong organizational and time management skills with a sharp attention to detail.
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Service Mindset: Dedicated to service orientation, ensuring every member interaction is professional and helpful.
Physical Requirements & Work Environment
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Focus: Ability to maintain concentration during prolonged periods of sitting and desk-based computer work.
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Dexterity: Sufficient finger dexterity for repetitive motions (typing/data entry) and the ability to see and read text on various screens and paper documents.
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Physical Ability: Must be able to lift up to 15 pounds and participate in normal office conversations.
Qualifications
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High school diploma or equivalent required.
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Prior experience in credit union operations or lending is a plus.
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Preferred delinquency, recovery and/or loan experience.
Additional eligibility requirements
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Must be authorized for work in the United States, and the banking & financial sector and bondable.
Travel required
May travel 1 to 3 times per year to off site events promoting the credit union.
Other duties
Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.
