Careers

ACCOUNTABILITY

Under the supervision of and accountable to the Branch Manager.

PRIMARY RESPONSIBILITIES

The branch-based Member Solutions Consultant (MSC) is able to meet all member needs within a branch. The MSC will perform a variety of duties, guiding members through the full-range of their requests, from basic teller transactions, to complex credit requests. The MSC will partner with other branch staff to easily transition between responsibilities, depending on branch traffic flow and member needs. The Member Solutions Consultant will utilize a consultative approach to building long-term relationships with members, and recommend financial solutions based on each member’s unique financial needs. This role will also help to support the branch staff and branch operations when the Branch Manager is out of the office.

ESSENTIAL FUNCTIONS

1. Counsel members and potential members on interest rates, products and services offered at the credit union.
2. Open new share accounts and certificates. Assist members in the completion of Individual Retirement Account and Share Certificate applications.
3. Process new account information including ordering checks, verifying eligibility, checking for appropriate signatures, filing cards, mailing welcome letters, etc.
4. Assist members with discrepancies and complaints. Make corrections and refunds on accounts if necessary.
5. Process consumer loan applications ensuring that each application is properly documented, closed, disbursed, coordinated and filed.
6. Assist applicants with information on the status of pending loans. Explain reasons for denial and explore options for members when loans are denied.
7. Prepares and mails adverse action notices to rejected loan applicants.
8. Assist members with filing debt protection, credit disability, and credit life insurance claims.
9. Assist branch staff and members in the absence of the Branch Manager. May include opening and closing branch location and assisting with branch balancing functions.
10. Other duties as assigned.
11. Must demonstrate commitment, dependability, and respect for other employees with regular attendance, punctuality and adherence to agreed-upon schedule of availability.

MINIMUM QUALIFICATIONS AT ENTRY

Additional qualifications may be specified and receive preference, depending upon the nature of the position.

Education/Experience:

A minimum of an associate’s degree plus 1 year experience in business or the equivalent of 3 years work experience in the financial industry.

Competencies (as demonstrated through experience, training, and/or testing):

• Knowledge of credit union policy and procedures.
• Demonstrated knowledge of mathematical concepts including computation rates, ratios, percentages, averages and reconciliation.
• Ability to interpret instructions furnished in written, oral, or schedule form.
• Ability to use personal computers and office productivity software including but not limited to Microsoft Word, Excel, and Outlook.
• Ability to communicate clearly and concisely.
• Ability to interact effectively at all levels and across diverse cultures.
• Ability to be an effective team member and handle projects responsibly.
• Ability to write original correspondence.
• Courteous telephone manner and excellent email etiquette.

WORKING CONDITIONS (Physical/Mental Demands)

With or without reasonable accommodation, requires the physical and mental capacity to perform effectively all essential functions. In addition to other demands, the demands of the job could include:

Sedentary work. Exerting up to 10 pounds of force occasionally and/or negligible amount of force frequently or constantly to lift, carry, push, pull or otherwise move objects. Repetitive motion. Substantial movements (motions) of the wrists, hands, and/or fingers. The worker is required to have close visual acuity to perform an activity such as: preparing and analyzing data and figures; transcribing; viewing a computer terminal; extensive reading.

Classification History:

Job description updated 11/2023

ACCOUNTABILITY

Under the supervision of and accountable to the Branch Manager.

PRIMARY RESPONSIBILITIES

The branch-based Member Solutions Consultant (MSC) is able to meet all member needs within a branch. The MSC will perform a variety of duties, guiding members through the full-range of their requests, from basic teller transactions, to complex credit requests. The MSC will partner with other branch staff to easily transition between responsibilities, depending on branch traffic flow and member needs. The Member Solutions Consultant will utilize a consultative approach to building long-term relationships with members, and recommend financial solutions based on each member’s unique financial needs. This role will also help to support the branch staff and branch operations when the Branch Manager is out of the office.

ESSENTIAL FUNCTIONS

1. Counsel members and potential members on interest rates, products and services offered at the credit union.
2. Open new share accounts and certificates. Assist members in the completion of Individual Retirement Account and Share Certificate applications.
3. Process new account information including ordering checks, verifying eligibility, checking for appropriate signatures, filing cards, mailing welcome letters, etc.
4. Assist members with discrepancies and complaints. Make corrections and refunds on accounts if necessary.
5. Process consumer loan applications ensuring that each application is properly documented, closed, disbursed, coordinated and filed.
6. Assist applicants with information on the status of pending loans. Explain reasons for denial and explore options for members when loans are denied.
7. Prepares and mails adverse action notices to rejected loan applicants.
8. Assist members with filing debt protection, credit disability, and credit life insurance claims.
9. Assist branch staff and members in the absence of the Branch Manager. May include opening and closing branch location and assisting with branch balancing functions.
10. Other duties as assigned.
11. Must demonstrate commitment, dependability, and respect for other employees with regular attendance, punctuality and adherence to agreed-upon schedule of availability.

MINIMUM QUALIFICATIONS AT ENTRY

Additional qualifications may be specified and receive preference, depending upon the nature of the position.

Education/Experience:

A minimum of an associate’s degree plus 1 year experience in business or the equivalent of 3 years work experience in the financial industry.

Competencies (as demonstrated through experience, training, and/or testing):

• Knowledge of credit union policy and procedures.
• Demonstrated knowledge of mathematical concepts including computation rates, ratios, percentages, averages and reconciliation.
• Ability to interpret instructions furnished in written, oral, or schedule form.

• Ability to use personal computers and office productivity software including but not limited to Microsoft Word, Excel, and Outlook.
• Ability to communicate clearly and concisely.
• Ability to interact effectively at all levels and across diverse cultures.
• Ability to be an effective team member and handle projects responsibly.
• Ability to write original correspondence.
• Courteous telephone manner and excellent email etiquette.

WORKING CONDITIONS (Physical/Mental Demands)

With or without reasonable accommodation, requires the physical and mental capacity to perform effectively all essential functions. In addition to other demands, the demands of the job could include:

Sedentary work. Exerting up to 10 pounds of force occasionally and/or negligible amount of force frequently or constantly to lift, carry, push, pull or otherwise move objects. Repetitive motion. Substantial movements (motions) of the wrists, hands, and/or fingers. The worker is required to have close visual acuity to perform an activity such as: preparing and analyzing data and figures; transcribing; viewing a computer terminal; extensive reading.

Classification History:

Job description updated 11/2023

ACCOUNTABILITY

Under the supervision of and accountable to the Mortgage Lending Manager

PRIMARY RESPONSIBILITIES

• Establishes relationships with realtors and other real estate sellers in order to generate mortgages for Sharefax.
• Attend referral networking events to grow referral sources.
• Provide training to borrowers and referral partners through sales calls and seminars.
• Provides information on mortgage products and services to members and realtors according to all credit union policies and procedures and Federal and State rules and regulations.
• Interview applicants .and assist members with the loan application process.
• Obtain and evaluate credit bureau reports on applicants
• Ensure that each real estate loan is processed accurately
• Works with loan officers and mortgage underwriters to secure all required documents.

ESSENTIAL FUNCTIONS

• The functions listed describe the business purpose of this job.  Specific duties or tasks may vary.  Additional duties may be assigned, and functions may be modified, according to business necessity.
• All functions, duties or tasks are to be carried out in an ethical and professional manner, and to be performed in conformance with applicable credit union policies and procedures. In the event of uncertainty or lack of knowledge of company policies and procedures, employees are required to request clarification or explanations from their superiors or management.

1. Establishes relationships with realtors and other real estate sellers & associations.
2. Assists members with the loan application process
3. Generates mortgage loan opportunities for the credit union via realtor contacts and associations.
4. Works with loan originators or production staff to secure all required documents.
5. Ensures the transaction adheres to mortgage lending regulations and appropriate credit policies.
6. Conducts Sharefax Credit Union seminars/training and other lead-generating activities
7. Communicates with loan officers to resolve any issues regarding mortgage loan application problems.
8. Promotes the credit union brand, identifies new growth opportunities, and recognizes relevant trends in both established and developing markets.
9. Performs all job duties and maintains compliance with all banking acts, laws and regulations applicable to job function.
10. Must demonstrate commitment, dependability and respect for other employees with regular attendance, punctuality and adherence to agreed-upon schedule of availability.
11. Must obtain NMLS registration

MINIMUM QUALIFICATIONS AT ENTRY

Additional qualifications may be specified and receive preference, depending upon the nature of the position.

Education/Experience:

• High school diploma or GED required.
• College degree preferred.
• 2+ years’ experience in first mortgage lending required Preference will be given to candidate with established referral network.

Competencies (as demonstrated through experience, training, and/or testing):

• Demonstrated knowledge of mathematical concepts including computation rates, ratios, percentages, averages and reconciliation.

• Ability to interpret instructions furnished in written, oral, diagrammatical, or schedule form.
• Ability to use personal computers and office productivity software.
• Ability to communicate clearly and concisely.
• Ability to interact effectively at all levels and across diverse cultures.
• Ability to be an effective team member and handle projects responsibly.
• A cooperative, positive attitude in relations with members and other employees.
• Planning, organizing, and project coordination skills.

WORKING CONDITIONS (Physical/Mental Demands)

With or without reasonable accommodation, requires the physical and mental capacity to perform effectively all essential functions. In addition to other demands, the demands of the job could include:

Sedentary work. Exerting up to 10 pounds of force occasionally and/or negligible amount of force frequently or constantly to lift, carry, push, pull or otherwise move objects. Repetitive motion. Substantial movements (motions) of the wrists, hands, and/or fingers. The worker is required to have close visual acuity to perform an activity such as: preparing and analyzing data and figures; transcribing; viewing a computer terminal; extensive reading.

Classification History:

Job description updated 12/2024

ACCOUNTABILITY

Under the supervision of and accountable to the Branch Supervisor/Manager.

PRIMARY RESPONSIBILITIES

• Services members in person and by telephone, provides general credit union information.
• Assists members with deposits and withdrawals.
• Receives cash and checks for deposit and for payment on loans.
• Inputs information and withdraw checks.
• Provide travelers checks and money orders.
• At close of business; balances cash and summarizes daily activity.
• Assists members in setting up new accounts and in making changes in existing accounts.
• Assists members in starting, stopping or changing a payroll deduction.
• Cross-sells member services to members.

ESSENTIAL FUNCTIONS

• The functions listed describe the business purpose of this job.  Specific duties or tasks may vary and be documented separately.  The employee might not be required to perform all functions listed.  Additional duties may be assigned, and functions may be modified, according to business necessity.
• Employees are held accountable for successful job performance.  Job performance standards may be documented separately, and may include functions, objectives, duties or tasks not specifically listed herein.
• All functions, duties or tasks are to be carried out in an honest, ethical and professional manner, and to be performed in conformance with applicable credit union policies and procedures.  In the event of uncertainty or lack of knowledge of company policies and procedures, employees are required to request clarification or explanations from their superiors or management.

1. Services members; determines the nature of the member’s business and either transacts the member’s request or refers the member to the appropriate staff member.
2. Provides, in person or by phone, routine information concerning the credit union services or policies, including how to apply for membership, what type of accounts are available, insurance coverage of loans, interest rates charged on loans, how dividends on shares are computed, how to start, stop or change a payroll deduction, how to take pertinent information concerning stop payment on sharedrafts, office hours and service information.
3. Posts manual payroll deductions to accounts.
4. Posts night deposit receipts.
5. Posts the mail share deposits or loan payments.
6. Posts all computer exception items manually.
7. Records payments for the sale of Money Orders and Travelers Checks.
8. Opens new member accounts when member services are unavailable.
9. Cross-sells member services.
10. Answers phone calls from members.
11. Performs clerical duties and filing.
12. Meters and deposits the mail as assigned.
13. Enters name and address changes into the computer.
14. Encode bonds and process checks through Check21.
15. Marks loan papers when paid.
16. Balances the currency at the end of each business day.
17. Collection item processing for cash advance businesses.
18. Processes Duke Energy and Cincinnati Bell payments for members and non-members.
19. Processes transactions for Shared Branching.
20. Transacts sales of Visa gift cards.
21. Cashes savings bonds.
22. Processes cash advances on credit cards.
23. Must demonstrate commitment, dependability and respect for other employees with regular attendance, punctuality and adherence to agreed-upon schedule of availability.

MINIMUM QUALIFICATIONS AT ENTRY

Additional qualifications may be specified and receive preference, depending upon the nature of the position.

Education/Experience:

High school diploma or GED required.

Competencies (as demonstrated through experience, training, and/or testing):

• Accuracy in the handling of cash and recording daily transactions.
• The ability to properly address members; either by telephone or in person.

• A cooperative, positive attitude in relations with members and other employees.

• Knowledge of credit union policy and procedures.
• Ability to interpret instructions furnished in written, oral, diagrammatical, or schedule form.
• Ability to use personal computers and office productivity software.
• Ability to communicate clearly and concisely.
• Ability to interact effectively at all levels and across diverse cultures.
• Ability to be an effective team member and handle projects responsibly.
• Ability to maintain professional composure when dealing with emotional or confrontational circumstances.
• Courteous telephone manner.
• Aptitude for figures and detail work, mental alertness

WORKING CONDITIONS (Physical/Mental Demands)

With or without reasonable accommodation, requires the physical and mental capacity to perform effectively all essential functions. In addition to other demands, the demands of the job could include:

Sedentary work. Exerting up to 10 pounds of force occasionally and/or negligible amount of force frequently or constantly to lift, carry, push, pull or otherwise move objects. Repetitive motion. Substantial movements (motions) of the wrists, hands, and/or fingers. The worker is required to have close visual acuity to perform an activity such as: preparing and analyzing data and figures; transcribing; viewing a computer terminal; extensive reading.

Classification History:

Job description updated 02/2024