UNIVERSAL ASSOCIATE (New Accounts/Loans) - Edmonds Branch

Sound Credit Union – Edmonds, WA

The primary responsibilities of a Universal Associate is to expand member relationships by identifying and meeting members needs by effectively cross-selling all Credit Union products and services. Build relationships with our members, engage members, and educate them about Sounds products and services. Accept, review, and process loans. Open new accounts. Provide routine to complex information on Credit Union services or policies. Assist members with inquiries, requests, and/or problems in a friendly, respectful, courteous, and professional manner. Contribute to member satisfaction and retention. Maintain branch surroundings that reflect the Credit Unions commitment to provide a friendly, respectful, courteous and professional business environment for all Credit Union members. Contribute to efficient Credit Union operations by performing duties accurately and in a timely manner.



ESSENTIAL DUTIES AND RESPONSIBILITIES

Provide exceptional member service including making eye contact, welcoming and greeting members, and demonstrating willingness to help by body language and a friendly tone of voice.



Ability to recognize and adapt to traffic flow.



Assist members using the Interactive Teller Machine (ITM). Educate members to make them comfortable and competent using the interactive technology.



Follow the Credit Unions written policies and procedures to ensure compliance with all required regulations and to prevent fraud and losses.



Perform routine member transactions including: deposits, withdrawals, cash advances, loan payments, transfers and check cashing. Sell money orders, cashiers checks, and gift cards. Perform Shared Branching transactions. Accept requests for stop payments, wire transfers, perform file maintenance on accounts, order debit/credit cards and various other items. Provide members statements and check copies, assist members with statement reconciliation. Provide members with account status information, including current balances and accurate loan pay-offs. Assist members to resolve discrepancies and grievances. Provide accurate accounting of transactions by balancing and preparing daily balance sheet.



Provide members with loan applications and any other forms necessary to transact business with the Credit Union. May accept, review and process completed loan applications including, VISA, Consumer and Home Equity. Interview loan applicants; evaluate background information including credit history, employment history, and debt-to-income ratio of applicant. Determine collateral needs and payment plans for approved loans. Cross-sell payment protection, Guaranteed Asset Protection (GAP), and Mechanical Breakdown Protection (MBP). Assure that all conditions set for approval have been satisfied, and fund approved loans.



Open new accounts including: savings, checking, money market, certificates of deposit, business accounts, Individual Retirement Accounts (IRAs), Health Savings Accounts (HSAs), ESA/Trust/Estate/Rep Payee/UTTMA/Guardianship and Blocked accounts. Enroll or opt-out members for telephone banking and/or online banking, and opt out members of E-statements, as applicable. Assist members with completing direct deposit/transfer forms, fraud and dispute forms. Place member check order/re-order, issue/reissue VISA check and VISA credit cards. Make changes to existing accounts, including name, addresses and other pertinent or confidential information.



Provide information on Credit Union services or policies, including eligibility for membership, types of Credit Union accounts, various interest rates, current dividend rates, locations, office hours and telephone numbers.



Prepare, update and maintain monthly sales reports, which include loans, payment protection, GAP & MBP, and Certificate Audit report. Prepare other reports as requested by Management.



Act as a leader in sales, product knowledge, member resolution and work ethic.



Skillfully handle and resolve difficult situations for member satisfaction within appropriate guidelines and procedures. Enlist management in successful member resolution, if necessary.


Ensure efficient and effective branch operations by providing back-up support to the team in performing daily tasks as needed


May assist with vault duties which includes preparing and forwarding the order for cash to Loomis and Accounting department; verify cash received, fill MSR cash orders, maintain full vault security and balance vault cash nightly, as assigned.



Track and maintain visitor badge log for the branch, on a daily basis.



May serve as a Notary Public and Signature Guarantee; and may need to be registered through NMLS, as assigned.



Provide high priority to member satisfaction; act in accordance with Sound Credit Unions Service Promise expectations.



Report to work on time, as scheduled and abide by Sound Credit Unions Personnel Policy concerning attendance.



Maintain intra/interdepartmental work flow by providing information to, and cooperating with co-workers and working on variety of special department projects as needed.



Stay current with operational changes and required trainings.

Qualifications

EXPERIENCE/EDUCATION/TRAINING/LICENSING



Experience: One or more years of successful work experience in a financial institution required; cash handling and experience in opening new accounts and lending required.

Education/Training: High School Diploma or equivalent.

License or certificate: Must be bondable.



In place of the above requirements, the incumbent may possess any combination of relevant education and experience which would demonstrate the individuals knowledge, skill, and ability to perform the essential duties listed above.




REQUIRED KNOWLEDGE, SKILLS AND ABILITIES

To perform this job successfully, an individual must be able to perform the essential duties of this job. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential duties.



Ability to proficiently explain remote delivery channels and options to members.



Knowledge of the fundamentals of lending, and loan collection concepts and practices.



Knowledge of new account principles, savings, checking, money market, certificates of deposit, business accounts, Individual Retirement Accounts (IRAs), Health Savings Accounts (HSAs), ESA/Trust/Estate/Rep Payee/UTTMA/Guardianship and Blocked accounts.



Strong background in operations and new account principles.



Strong knowledge of financial institution operations, services and programs.



Ability to attain or have knowledge of local, state, and federal laws and regulations applicable to industry.



Ability to attain or have knowledge of financial institution procedures, services and programs.



Ability to understand the particulars of monetary transactions.



Excellent interpersonal and communication skills, including listening, oral, and written skills.



Proficient computer and typing skills, with intermediate knowledge/skills using Microsoft Office Suite (Excel, Word and Outlook).



Ability to work independently and as a team member while using discretion in decision making and sound judgment in problem solving.


Ability to work effectively, accurately, efficiently with a high degree of attention to detail.



Ability to organize and prioritize multiple projects and responsibilities while working in a fast-paced, deadline-oriented environment.



Ability to be flexible and responsive in order to provide the highest quality of service to internal and external members.



Must possess and exhibit a high degree of professionalism, maturity, and patience.



LANGUAGE SKILLS

Requires the ability to read, write, communicate, and interpret information accurately in English.



Employee must demonstrate the ability to interact tactfully and positively with co-workers, members, management and the public. Ability to respond to common inquiries from co-workers, members and the public.



MATHEMATICAL SKILLS

Ability to add, subtract, multiply, and divide using whole numbers, common fractions, and decimals.



REASONING ABILITY

Ability to define problems, collect data, establish facts, and draw valid conclusion. Ability to interpret a variety of technical instructions.



SUPERVISORY RESPONSIBILITIES

None



PHYSICAL DEMANDS

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential duties of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential duties.



Requires the ability to operate, repetitively at times, a personal computer and calculator. Also requires ability to operate multi-line telephone, printer, facsimile and photocopier.



Requires the ability to concentrate and consistently produce accurate work.



While performing the duties of this job, the employee is frequently required to sit for up to 4 hours at a time; use hand to find, handle, or feel, reach with hands and arms; and talk or hear.



The employee is occasionally required to stand, walk, stoop, kneel, crouch, or crawl.



The employee must lift and/or move up to 50 lbs, as needed.



Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception, and ability to adjust focus.




WORK ENVIRONMENT

The work environment characteristics described here are representative of those an employee encounters while performing the essential duties of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential duties.



Duties are performed in an office environment but may also require traveling to other facilities using employee s personal transportation.



The noise level is moderate.



The physical exertion is moderate.



There are frequent employee/member contacts and interruptions in person and via the telephone during the day.

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