USC Human Resources Administration

Job code: 115022Credit Union Member Relationship Specialist III

Grade: 00 |Overtime eligible: Yes |Date approved: October 22, 2013

Summary

Has responsibility for building and fostering profitable financial relationships with credit union members and potential members. Provides outstanding service while promoting and recommending appropriate credit union products and services to meet specific financial needs of each individual member through effective solution based sales efforts. Gathers and analyzes member data at the time of each interaction to offer customized solutions, by using in-depth knowledge of products, services and technologies. Maintains a primary focus on improving overall financial well-being of our member-owners while consistently meeting or exceeding minimum performance and service standards.

Accountability

Priority Time (%) Task (Performs other related duties as assigned or requested. The university reserves the right to add or change duties at any time.)


% Develops member relationships by providing high-quality service to each member/non-member in an effort to identify their respective financial needs and assist them with the selection of appropriate products and services.


% Opens IRA share accounts including deposits, transfers and rollers. Opens fiduciary accounts including but not limited to trusts, UTMAs, process deceased member claims, representative payee, club accounts, small business accounts, etc.


% Uses Level A lending authority to approve and fund consumer loans in accordance with credit union guidelines.


% Supports achievement of department's sales goals by recommending appropriate products and services.


% Responds to member inquiries in-person, over the telephone and via email.


% Processes member transactions efficiently, accurately, and in a timely manner including: deposit/withdrawal transactions, loan payments, new accounts and lending applications, and all related documentation.


% Maintains control over daily cash withdraw and balance transactions.


% Uses credit scoring, sound lending practices and judgment to make lending recommendations or decisions. Explores other lending alternatives with members, as appropriate.


% Ensures compliance with all applicable laws, regulatory requirements and procedures related to assigned products and services or the lending process.


% Participates in all assigned professional development programs in support of the credit union's commitment to increases sales, service, quality and teamwork.


% Assist members in completing appropriate documents required to ensure tax protection status.


% Assists with training of other member service representatives.


% Completes documents required to perfect a lien on consumer loan collateral.


% Reviews and evaluates information disclosed on a member consumer loan application to render a loan decision.


% Prepares documents and loan records in order to fund approved loans.


% Provides basic real estate loan information to members on matters such as loan payment estimates, general policies/guidelines and comparing alternatives.


% Informs members in case of loan denial and counsels them on opportunities to improve future eligibility.
Emergency response/recovery:    
In the event of an emergency, the employee holding this position is required to "report to duty" in accordance with the university's emergency operations plan and/or the employee's department's emergency response and/or recovery plans. Familiarity with those plans and regular training to implement those plans is required. During or immediately following an emergency, the employee will be notified to assist in the emergency response efforts, and mobilize other staff members if needed.

Qualifications

Minimum educationPreferred education
High school or equivalent Bachelor's degree
Minimum experiencePreferred experience
3 years 4 years
Minimum field of expertisePreferred field of expertise
Previous experience in sales, retail or financial institutions (operating in a sales-driven environment) with proven track record of meeting production/sales goals. Must possess 2–3 years consumer underwriting experience. Must be familiar with Word, Excel and Outlook. Demonstrated excellent interpersonal skills. Has effective organizational skills. Utilizes effective sales techniques with limited supervision. Able to consistently meet or exceed established performance goals in a financial services environment.

    Knowledge of the following regulations:

  • Bank Secrecy Act
  • OFAC
  • US Patriot Act
  • Elder Financial Abuse
  • Regulation CC and funds availability
  • GLB and Member Financial Privacy
  • Regulation E-Electronic Funds Availability Act
  • Truth in Savings
  • NCUSIF
  • Regulation Z, Truth in Lending Act
  • Regulation B, Equal Credit Opportunity Act
  • Fair Credit Reporting Act
  • Fair Housing Act
  • Regulation C, Home Mortgage Disclosure Act
  • HOEPA – Home Ownership and Equal Protection Act
  • Uniform Commercial Code
  • The Servicemembers Civil Relief Act
  • The Credit Card Act of 2009
SkillsMachine/equipment
  • Answer telephones
  • Balance figures
  • Communicate with others to gather information
  • Compose correspondence and letters
  • Compute totals
  • Customer service
  • Gather and input data
  • Interpersonal skills
  • Maintain logs and records
  • Research information
  • Schedule appointments
  • Understand and apply policies and procedures
  • Understand and enforce regulatory guidelines
  • Use computerized spreadsheets
  • Use database and/or word processing software
  • Calculator
  • Computer and peripheral equipment
  • Computer network (department or school)
  • Computer network (university)
  • Fax
  • Photocopier
Supervises level
May oversee student, temporary and/or resource workers.
Comments
Must be actively registered as a Mortgage Loan Originator with the Nationwide Mortgage Licensing System (NMLS) displaying unique identification number on USC CU business card, and all required lending documents. Must maintain an active Notary Public commission and bond, issued from the California Secretary of State, and comply with all laws relating to Notary Publics.

Signatures

Employee:Date:
Supervisor:Date:

The above statements are intended to describe the general nature and level of work being performed. They are not intended to be construed as an exhaustive list of all responsibilities, duties and skills required of personnel so classified.

The University of Southern California is an Equal Opportunity Employer