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Job Application.

 

Currently Hiring:

  • Full-Service Representative (Part-Time)

Straits Area Federal Credit Union is seeking two part-time Full-Service Representatives. This individual is responsible for processing transactions in a professional manner and must be willing to learn other aspects of the job, SAFCU philosophy and our products. If you posses the following traits, the job may be for you:

  • Self Motivated
  • Posses the ability to work on multiple tasks simultaneously
  • Sincere desire to provide excellent member service
  • Ability to promote products
  • Experience with computer and cash handling
  • Dependable and team oriented
  • You must be willing to travel between branch locations.

Required education: High school or equivalent

 

  • Full Service Representative (Full-Time)

Straits Area Federal Credit Union is seeking a full-time Full Service Representative to join our team. This individual is responsible for processing member transactions in a professional manner and must be willing to learn other aspects of the job, SAFCU philosophy and our products. If you possess the following traits, this job may be for you:

  • Self Motivation
  • Possess the ability to work on multiple tasks simultaneously
  • Sincere desire to provide excellent member service
  • Ability to promote products
  • Experience with computer and cash handling
  • Dependable & team oriented

The position offers competitive compensation, full benefits, and most of all a positive work atmosphere with a Financial Institution that focuses on great member service.

Required education: High school or equivalent

 

  • Loan Officer

Summary: Interview applicant to obtain personal and financial data and fill out application for personal, auto, signature, credit card and other consumer loans. Obtain and evaluate credit bureau reports, income documentation, collateral valuation reports, title information, and other factors relevant to the underwriting of consumer loans. Receives member loan requests, processes, evaluates and underwrites each loan requests using judgment and discretion in making decisions to satisfy the member needs. Prepare each loan outside of guidelines or approval parameters for presentation to credit committee with a recommendation as to the loan decision for each loan.

Duties and Responsibilities:

  • Take applications (phone, email, internet or in person). Discover the motivation and purpose of the loan.
  •  Prepare credit information necessary to establish credit limit, including such factors as applicant’s assets, credit experience, and personal references, based on predetermined standards.
  • Pull credit information and review for opportunities to save the member money by moving other loans to the credit union. Ask questions based off of the members credit report for clarification on their credit history and research discrepancies. Verify debts and ensure that all debts including new loans, have been added to the application.
  • Answer questions for the member throughout the process, explain the loan process including options, insurance requirements, interest rates, options with loan terms and payments, optional products for their protection, etc.
  • Verify the accuracy of the loan amount, repayment terms and collateral if needed.
  • When a loan must be denied, explain the reasons for denial in a professional, courteous manner. Work with the member to provide recommendations or alternative solutions for the member to obtain a loan in the future.
  • Comply with all applicable laws and regulations.
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