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Description

**_Valley Credit Union_** is looking for a friendly, detail-oriented Account Representative (Loan Officer) to join our team! In this role, you’ll work directly with members to understand their financial needs and provide personalized loan solutions. From processing loan applications to offering guidance on products and services, you’ll play a key role in helping our members achieve their financial goals.Valley maintains a strong culture built around our Vision and Mission. We expect all employees to live by and hold others accountable to our Cultural Beliefs. It DOES matter where you belong. If you enjoy building relationships, solving problems, and making a positive impact, we’d love to hear from you!

Position Summary

The Account Representative builds relationships with members by providing excellent member service and determining member’s financial needs. This position develops knowledge of loan policies, lending guidelines and loan products in order to aggressively pursue loans and cross sell other loan products. The Account Representative develops and builds an individual loan portfolio through relationship building.

Requirements

ESSENTIAL DUTIES

Assist members with opening accounts, answer questions about products and services and resolve member problems; refer problems that are beyond their authority to a more senior representative.

Promote the improvement of Valley through quality customer service, promotion of products, professionalism in conduct and work ethic.

Generate profitable new business for the Credit Union by developing deposit and borrowing relationships. Identify new account cross sell opportunities.

Grow loan portfolio by meeting or exceeding monthly sales goals and participating in Credit Union incentive and business development programs.

Develop the ability to analyze credit requests and make sound credit decisions in a timely manner while adhering to Credit Union policies and guidelines. Properly structure and price loans.

Maintain delinquency/charge-off ratio.

Cross-sell other Credit Union products to existing and prospective members including but not limited to: Debt Protection, Gap/MBI, Credit Cards, Loan Re-Captures.

Maintaining monthly/annual sales quotas.

Perform any additional duties as assigned.

KNOWLEDGE, SKILLS, and ABILITIES

Ability to perform job functions independently or with limited supervision and work effectively either on own or as part of a team.

Knowledge of 10-key, word processing, spreadsheet, email software and use of the Internet. Must be proficient in Microsoft Office programs including Word and Excel.

Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals.

Ability to read and carry out various written instructions and follow oral instructions. Speak clearly and deliver information in a logical and understandable sequence.

Ability to demonstrate high levels of accuracy and attention to detail.

Ability to deal calmly and professionally with diverse personalities and cultures at various levels within and outside of the organization.

Extensive customer service skills, positive attitude and expressed enthusiasm **.** Ability to communicate with others inside and/or outside the organization, generally regarding routine matters for the purpose of giving and obtaining information, as well as advising or referring.

Ability to establish priorities, set goals and meet deadlines in an accurate and efficient manner. Ability to effectively handle multiple, simultaneous, and changing priorities.

Ability to exercise courtesy, tact, and diplomacy. Ability to demonstrate highest levels of customer service and discretion when dealing with the public.

Summary

RESPONSIBILITIES & EXPECTATIONS

Demonstrate and consistently follow Valley's Cultural Beliefs:

+ Own It – accountable for work / achieving goals

+ Know It – knowledgeable of products and services to help members

+ Find a Way to Say YES – focus on what we can do

+ Come Together – work well with others / share knowledge

+ Community Servers – positive ambassador

+ Relationship Matters – develop and maintain positive relationships.

Know and understand the mission and vision of the Credit Union. Strictly adhere to the Credit Union's policy of confidentiality, security, professional conduct, and dress.

Maintain a professional image when working with members and coworkers.

Maintain current knowledge of all rules and regulations and perform at all times in compliance with laws and regulations relating to the position and Credit Union.

Develop a thorough knowledge of Valley’s products and services in order to explain and promote them to members and nonmembers based on their needs.

Maintain absolute integrity and high sense of ethical behavior, both on and off the job.

Serve as a representative of the Credit Union by participating in community and civic functions and professional organizations.

SERVICE STANDARDS

Create a positive and personal experience at each touch point.

+ Stand up to greet all members and walk them into my office, when possible.

+ Provide my member with fast and efficient service.

+ Find my members motivation, why Valley, why today;

+ Ask my member how much time they have;

+ Efficiently service them in the time they have available.

+ Be professional in all interactions with members.

+ Shake hands, when appropriate;

+ Use my member’s name multiple times;

+ Ask what else I can do for them;

+ Walk them to the door, when possible.

Be a financial educator and resource for my member.

+ Focus on building a relationship with my member.

+ Learn our product and services so that I can educate our members.

+ Listen to the member and suggest accounts that would most benefit them.

+ Explain all the benefits of the chosen accounts and answer any member questions.

+ Talk to my member about all additional Valley products (including ID Theft, Online Banking, Reg E and E-Statements)

Be a positive co-worker.

+ Be a resource and mentor to my coworkers.

+ Be positive and provide encouragement.

QUALIFICATIONS

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skills, and/or abilities required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

SUPERVISORY RESPONSIBILITIES

This position does not have any supervisory responsibilities.

EDUCATION and/or EXPERIENCE

Associate degree (AA) or equivalent from two-year college or technical school; minimum one year related experience and/or training or equivalent combination of education and experience.

Previous financial experience preferred.

PHYSICAL DEMANDS

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.

While performing the duties of this job, the employee is regularly required to sit and/or stand; climb or balance; and stoop, kneel, crouch or crawl. The employee must frequently lift and/or move up to 10 pounds and occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception and ability to adjust focus. Able to routinely perform work on computer for an average of 6-8 hours per day, as necessary.

WORK ENVIRONMENT

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. The noise level in the work environment is usually moderate.