Sterling Member Service Representative III

Apple Federal Credit Union
Under general supervision, originate consumer loans within the underwriting guidelines; this includes application input, data input, compiling necessary statistics, and loan disbursal.

Virginia
Full Time
City: Sterling

Why Join Apple?

· Recently named #1 Best-In-State Credit Union by Forbes Magazine

· Headquarters state of the art facilities

· Competitive compensation package (5% 401 k Match / Pension Plan/ Tuition Reimbursement)

· Internal career development opportunities

· Diverse, inclusive, employee-focused work environment

· Over 21 branches in Northern Virginia with easy commuting distance



Job Duties:

Under general supervision, originate consumer loans within the underwriting guidelines; this includes application input, data input, compiling necessary statistics, and loan disbursal. The staff member will qualify potential members, complete all required steps to open deposit accounts and automated services. Additionally, the staff member will gather information to complete consumer loan applications, member requests for information and/or account maintenance. The staff member will use established Apple Federal Credit Union sales techniques to assist in achieving individual and related sales goals.

Responsibilities:

Provides product and/or service recommendations to members based on thorough needs assessment.
Responsible for cross-selling credit union products and services to members. Cross-sells other products as identified through the needs assessment.
Provides information to members via face to face or telephone. This information may include, but is not limited to, alternative loan products. For example, rates, terms and collateral requirements.
Utilizing the policy and procedure outlined in the Loan Underwriting Guidelines, calculates all key financial ratios’, collateral valuation, and verifies the source data used for these calculations (e.g. Income verification).
Function as a “trusted advisor” to Apple members by recommending appropriate products and services and counseling on how to improve members’ financial situation.
Research and investigate queries and concerns regarding activity on any member held accounts, services, or products. Ensures member satisfaction by setting expectations for a timely response. Performs adjustments, corrections, or refunds fees within their authority, or seeks approval from proper parties to do so.
Remains cognizant of and adheres to credit union policies and procedures, and regulations pertaining to the Bank Secrecy Act.
Performs other duties as assigned by the Branch Manager.



Qualifications-all required unless otherwise noted:


• High school diploma.
• Excellent positive member/customer service and interpersonal skills.
• Excellent math skills and the ability to effectively communicate with members.
• Familiarity with loan documents, lending regulations and credit union policies and procedures.
• Minimum two (2) years’ experience in lending or branch operations area.
• Excellent oral, written and telephone communication skills.
• Attention to detail and accuracy.
• Keyboarding 40 w.p.m.
• PC applications proficient.
• Ability to function in a financial institution branch environment and utilize standard office equipment including but not limited to: PC, fax, copier, telephone, postage machine, etc.

Equal Opportunity: Apple Federal Credit Union values, encourages, and implements diversity in the workplace.

Hours: Available Monday – Saturday: based on business needs.

Location: 21361 Gentry Dr., Sterling, VA 20166

https://www.applefcu.org/AppleWeb/careers