Loan Processor

Essential Duties and Responsibilities:

• Consistently promotes Credit Union products and services in order to meet sales goals.
• Maintains telephone occupancy times in order to meet service goals. Provides service to members in a pleasant, professional, and efficient manner via telephone or correspondence.
• Efficient operation of the telephone system within established guidelines, with a firm understanding of its functionality, which includes but is not limited to:
• Login/Logout
• Not ready/make busy
• Accept/Transfer/Conference Calls
• Place Callers on hold
• Information presented on the telephone display
• Understands how telephone usage directly affects individual performance statistics
• Promptly answers incoming calls and directs calls to appropriate personnel.
• Assists members with information on their accounts, which includes but is not limited to:
• Account balances
• Deposit & Withdrawal History
• Fees & Service Charge posting
• Loan Payments, history, and due dates
• Performs non-cash related teller transactions and completes applicable forms and documentation, which includes but is not limited to:
• Transfer of funds between share accounts
• Cashier’s check issuance
• Loan Payments
• VISA Payments
• Payroll or periodic payment maintenance
• ATM/Debit Card/VISA Card replacement requests
• ATM/Debit Card/VISA Card Dispute requests
• Check reorders
• Share Certificates requests
• Stop payments on Checking accounts
• Verification of accounts, open/close accounts
• Incoming and outgoing wire transfers
• Provides information related to new account products and related services, which includes but is not limited to:
• Features and benefits information for deposit products and related services
• Annual Percentage Yield information for Deposit Account Products
• Documents information required to establish Deposit Accounts and related services
• Provides information related to loan products and related services, which includes but is not limited to:
• Features and benefits of consumer loan products and related services
• Annual Percentage Rate information
• Documents information required to apply for a consumer loan product
• Completes loan related forms accurately and within established guidelines
• Ensures safeguarding of member information by following identification and document retention policies
• Continuously checks voice mail and replies to these calls accordingly.
• Reviews product knowledge manuals and utilizes the Silver Cloud software program to keep abreast of all products and services offered by Hawaii Community Federal Credit Union.
• Completes the required Bank Secrecy Act (BSA) training and implements and complies with the BSA policy and procedures.
• Other duties may be assigned.

Qualifications:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the mental, physical, knowledge, education and/or experience required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
 

Mental Requirements:

• Requires attention to detail, concentration and responsiveness in a timely manner.
• Is able to work well with people.
• Is able to work under stressful and pressure filled situations.
• Frequent basic mathematic skills.
• Is able to keep abreast of various regulations, which includes but is not limited to:
• U.S. Patriot Act
• Bank Secrecy Act
• Right to Financial Privacy Act
• Regulation D “Transfer Limitations”
• Regulation CC “Funds Availability Act”

Physical Requirements:

• Is able to show up to work as scheduled.
• Must be able to communicate clearly in person or over the phone and/or in writing.
• Ability to establish effective working relationships with members and other staff.
• Is able to operate 10-key by touch and type 30-40 words per minute accurately.
• Occasional mobility around the office, surfaces of primarily carpet.
• Sitting for extended periods of time.
• Occasional business traveling involved, including land and air travel.
• Occasional lifting, carrying, pushing, and pulling of items weighing up to 20 pounds.
• Occasional reaching, climbing a ladder to reach upper shelving.

Other Requirements:

• May be required to work beyond the normal business hours, including weekends.
• May be required to work at different branches.
• May be required to use his/her personal car to perform credit union business.
• May be required to attend seminars or classes to increase job skills.
• Must be bondable and have a clear credit rating.

Education and/or Experience:

• High school graduate / GED equivalent with six (6) months customer service experience in a financial institution or similar industry.
• Knowledge of computer system (IBM or IBM compatible), word processing and spreadsheet programs preferred.

Working Conditions:

• Work is primarily inside an air-conditioned, well-lighted office setting, and high humidity.
• Working alone and with others.
• Moderate noise level.
• Frequently public contact.
• Potential exposure to the threat of violence at any time.