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Full-time Retail Processor

at U of Iowa Credit Union in North Liberty, IA

Position Summary:

Responsible for the accurate and timely completion of required processing, researching and funding duties and responsibilities in retail operations. Provide quality member service to Credit Union staff and members by furnishing and processing necessary information, providing assistance, and/or answering questions. Maintain member accounts and documents in accordance with departmental expectations; assure completeness and accuracy of all documents, and have the ability/knowledge to cross-sell Credit Union products and services.

Pay Range: $14.07 - $21.10
Essential Duties and Responsibilities:

Performs essential duties and responsibilities in the following areas which may include, but are not limited to those listed and are subject to change:

Adheres to the Credit Union's core values in serving with truth, trust, mentoring, openness, risk-taking, communication, giving credit, integrity, caring, and respect in carrying out the UICCU's mission and vision.
Demonstrates a positive member service (internal and external) focus at all times, greeting members and guests with a smile and eye contact immediately upon their arrival, using their name or acknowledging them, and thanking them for their business.
Demonstrates teamwork in all interactions with coworkers and in the completion of all duties and responsibilities.
Ensures confidentiality of member information.
Performs daily transactions such as posting of loan payments, disbursing checks, deposits, and withdrawals.
Maintains routine correspondence with and for members and staff; includes processing of necessary disclosures and decline letters.
Maintains members’ account records in an accurate, thorough and confidential manner.
Promptly files mortgage and property-related documents with the county or state recording office.
Maintains and documents loans out, papers out, and error logs. Generates periodic exception reports of these items and advises management and Account Executives/MSRs as required.
Perfects and verifies flood and property insurance requirements on second mortgages, and corresponds with Account Executives/MSRs, insurance companies, and members for changes and updates.
Prepares and delivers home equity closing documents, including required supporting documentation.
Assists in obtaining member’s signatures and missing documentation for funded loans in a timely manner.
Tracks maturing home equity loans; communicates with members and lending staff as required.
Processes GAP and MBP claims, payments, cancellations, and refunds and assists members and staff with questions.
Researches, processes, and adjusts loan accounts, member account discrepancies and statement problems as necessary. Includes returned check and ACH payments provided by Accounting
Assumes an “audit” function for all retail loans, pre and/or post funding. Assists AE to ensure home equity loan files meet all applicable internal, state, and federal regulation requirements prior to or at closing.
Prepares documents for scanning and indexing.
Reviews, approves, and logs subordination requests from other financial institutions/mortgage companies.
Corresponds with other financial institutions and insurance agencies to process letters of guarantee, payoff requests, and verifies loans and member accounts.
Posts general ledger entries, as well as balances related general ledger accounts.
Orders verifications of employment, appraisals, property condition reports, title and post closing searches, flood reports, and ensures accuracy and review of these documents.
Tracks, prepares, and files mortgage release documents and reports.
Supports staff, members, and other financial institutions through prompt attention to group and individual requests for assistance.
Generates, works, and files routine reports regarding loan maintenance.
Plays a vital role in enriching the community by participating in community service organizations and/or Credit Union sponsored events, on an annual basis.
Assists in various departmental functions as directed and assigned. Functions may include, but are not limited to:
Assists in the training for new Retail Processor as necessary
Participates and assist in departmental training sessions
Performs general file maintenance on accounts
Assists in general collection work
Assists in the processing of periodic reports
Performs clerical duties including general filing and processing of mail transactions necessary

Job Requirements/Expectations:

Interpersonal skills to represent the Credit Union in a positive manner.
Reports to work punctually, works all scheduled hours, and works overtime as necessitated by business demand. Job may require a non-traditional workweek including evening and /or weekend duties.
Accuracy in recording daily transactions. Attention to detail.
Ability to prioritize work assignments and organize work efficiently to handle large volumes of details.
Good oral communication skills and the ability to produce written communication.
Ability to follow oral and written instructions.
Good telephone manners and techniques.
Proficiency with related computer applications, spreadsheets, word processing, and database applications.
Ability to use and understand written material.
Ability to perform basic math calculations.
Member account problem-solving skills.
Ability to develop and maintain effective working relationships with co-workers.
High school diploma or the equivalent (i.e. GED).
Requires less than one year of related experience in a credit union or similar financial institution.
Must be bondable.
Reporting Relationship:

Reports to Retail Processing Supervisor
Supervisory Responsibilities:

This position is not responsible for the supervision of other employees.
Equal Opportunity Employment Statement:

The UICCU is an EEO/AA Employer. M/F/Veteran/Disability. We strongly encourage minorities, veterans, and individuals with disabilities to apply for openings with the credit union.

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Published at 05-30-2017
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