Join Our Team
Cedar Falls Community Credit Union is seeking talented individuals who are motivated to serve our members in the best way possible. We take pride in providing our members with a comfortable and caring environment to make them feel at home.
CFCCU provides employees with opportunities to help support their pursuit of a meaningful career. We want each and every employee to feel they have the necessary tools to be successful and exceed at everything they do. If you’re looking into changing careers or for professional growth we may have an opportunity for you!
Come grow with us!
FT Member Services Rep
Summary
CFCCU has an immediate opening for a Full-time Member Service Representative. The primary responsibilities of a Member Service Rep include: identifying the member’s financial needs, recommending appropriate Credit Union solutions, and delivering high-quality service. In addition, Member Service Rep will perform basic member service and teller transactions such as withdrawals, deposits, check cashing, transfers, etc.
Qualified candidates will possess great interaction, communication, and organizational skills, a passion for assisting our membership, as well as ability to maintain computer skills. Previous member service/cash handling/financial institution experience preferred but not required.
Duties and Responsibilities
- Greet and welcome members to the credit union (whether the member contact is in person or by phone) in a courteous, professional, and timely manner, providing prompt, accurate, and efficient member transactions.
- Receive share drafts/checks and cash for deposit to accounts, verify amounts, examine share drafts/checks for proper endorsement, and enter deposits into computer records.
- Cash share drafts/checks and process withdrawals; pay out money after verification of signatures and member balances.
- Assist with night depository, mail or email transactions, as necessary.
- Maintain an up-to-date and comprehensive knowledge of all credit union products and services.
- Maintain an up-to-date and comprehensive knowledge of all related policies and procedures, rules and regulations for the member service area, including robbery procedures.
- Promote, explain, and cross-sell credit union services, including consumer loans, IRAs, Share Certificates and Money Market Accounts, debit and credit cards, safe deposit boxes, on-line and mobile banking, etc.
- Receive loan payments and enter accurately into computer system.
- Place hold on accounts for uncollected funds.
- Count, check, and package coin and currency.
- Balance cash drawer at end of shift, and compare to computer-generated totals. Research and resolve discrepancies, reporting any discrepancies to supervisor as necessary.
- Ensure that work area is properly stocked with forms, supplies, brochures, etc.
- Open new accounts for members after verifying membership eligibility and in compliance with Customer Identification Program and OFAC.
- Perform all necessary duties to maintain the smooth operation of the member services area, including balancing ATMs, filing, balancing vault, etc.
- Ensure that all transactions and service comply with the requirements of the Bank Secrecy Act, Anti-Money Laundering and OFAC and are in compliance with credit union policy.
- Perform other duties, tasks, and projects as requested by supervisor or Management.
Mortgage Loan Officer
Summary
As a mortgage loan officer, you’ll be responsible for providing information to credit union members about products and services in line with the policies and regulations governing state and federal credit unions. Your duties will include interviewing loan applicants, evaluating their creditworthiness, analyzing their background information, and approving or denying loan requests based on your substantial credit authority.
Compensation
$45,000 to $50,000 based on experience.
Duties and Responsibilities
- Conducting interviews with loan applicants in order to gather background information on their financial history and current situation. This may be done in person, over the phone, or online.
- Obtaining credit reports from credit bureaus to assess the creditworthiness of loan applicants.
- Assisting members with the loan application process to ensure all necessary information is provided.
- Analyzing financial information provided by applicants, such as verification of debts and debt-to-income ratios, in order to determine their eligibility for a loan.
- Evaluating collateral values and determining secured/unsecured credit levels and interest rates for various loan products.
- Approving or denying loan applications based on the analysis performed.
- Providing clear and professional explanations to applicants for any loan denials, as well as recommendations for future approvals.
- Completing all necessary loan documentation, closing the loan, and disbursing funds when approved.
- Staying up-to-date with new loan products and services and implementing them in accordance with management direction.
- Cross-selling lending and other credit union products to potential borrowers.
- Contacting and visiting prospective members, dealers, brokers, realtors, or SEGs to present information on available lending services, including Member Business Loans, Real Estate Loans, Consumer Loans, etc.
- Performing all necessary administrative tasks related to loan processing, such as filing and following up on titles and insurance.
- Ensuring all transactions and services comply with the requirements of the Bank Secrecy Act, Anti-Money Laundering, and OFAC, as well as credit union policy.
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