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Cooperative Federal is a credit union dedicated to community development, economic empowerment and social justice - for our individual members, our community, and our world. Join a dedicated team of community activists posing as bankers.

GENERAL SCOPE OF ROLE

Plan, organize, and implement lending activities pertaining to origination, underwriting, and closing of loans; perform related work as required.

Essential Functions:

• Conduct loan interviews and counsel loan applicants.
• Provide support by phone, email, text message, and in person to applicants.
• Complete required loan documentation including, but not limited to, loan notes, security agreement, lien documentation, guaranty agreements, as well as all other documents when appropriate.
• Approve loan applications within lending authority limits.
• Conduct approved loan closings including ensuring all member questions are addressed, required signatures are obtained, and loan proceeds are properly disbursed.
• Assist other loan department team members in producing and handling correspondence to internal or external parties as needed.
• Prepare reports as requested.
• Monitor all loans for lien filing perfection and proper collateral insurance coverage.
• Submit required information for Collateral Protection Insurance when needed.
• Ensure compliance with credit union policies and procedures and with regulatory requirements. Adhere to high standards of confidentiality and honesty.
• Perform liaison functions between departments to ensure efficient service.
• Handle routine correspondence.
• Maintain a working knowledge of the Credit Union’s data processing system and loan origination system.
• Refer member to other credit union products and services, as well as community resources, based on the member's financial situation and goals.
• Actively participate in consumer education/outreach activities including workshops, community events, and other sponsored initiatives; evening and weekend hours may be required.

General Functions:

• Write or update procedures for all tasks in areas of responsibility.
• Make suggestions to management on ways to improve work processes.
• Support management in the implementation of board policies and directives.
• Attend trainings and meetings as required by the credit union.
• Undertake such other reasonable and lawful duties as may be directed from time to time by the Lending Manager or CEO.

JOB REQUIREMENTS AND QUALIFICATIONS

Qualifications:

• Commitment to the mission of Cooperative Federal: fostering social equity and economic justice in Syracuse, NY by connecting all people with capital and banking services, especially in communities that have been unjustly excluded from wealth
• Ability to maintain cooperative working relationships with a variety of diverse members, staff, and officials
• At least two years of credit union or financial industry experience preferred
• Thorough working knowledge of the lending process from application to closing
• Ability to plan and organize workload; strong attention to detail is required
• Ability to be creative and take risks
• Intermediate mathematical skills required to include concepts and calculations involving decimals, percentages and fractions.
• Professional, well-developed interpersonal skills necessary for servicing credit union members and projecting a positive image as a representative of the credit union.
• Must develop a thorough understanding of applicable regulations, such as the Truth in Lending Act.

Physical Requirements:

These physical requirements are representative of what is necessary for an employee to successfully perform the essential functions of the Loan Officer position. Reasonable accommodation can be made to enable people to perform the described essential functions.

• Sit, to stand, to walk, drive and to use hands and fingers. The employee is occasionally required to lift up to 15 lbs.
• Ability to work in a dynamic environment in close proximity to others
• Ability to work regular hours in a facility with environmental factors that would ordinarily be expected in a place that is open to the public

Job Type: Full-time

Pay: $22.60 - $24.00 per hour

Benefits:

• 401(k)
• 401(k) matching
• Dental insurance
• Employee assistance program
• Flexible schedule
• Flexible spending account
• Health insurance
• Health savings account
• Life insurance
• Paid time off
• Vision insurance

Language:

• Spanish (Preferred)

Work Location: In person

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Job Summary: Member Service Representative / Teller

Cooperative Federal is a credit union dedicated to community development, economic empowerment and social justice -- for our individual members, our community, and our world. Join a dedicated team of community activists posing as bankers.

*Bilingual persons are encouraged to apply! (Spanish, Swahili, or other languages)**

Responsibilities and Duties

Member Service Representatives greet members, perform teller transactions over-the-counter and by phone, answer member account and financial questions and inform members about credit union services and financial education & asset building opportunities, like our Homebuyer Dream Program. Should be able to work two Saturdays a month, and until 6:30 pm Monday - Friday. Cash handling or related experience required. Bilingual a plus. This is a full-time position (37-40 hours/week).
Member Service Representatives play a key role in helping members and potential members understand the wide array of services, education, and counseling we provide.

Qualifications and Skills

At least one year of cash handling experience and customer service experience required. Should be enthusiastic about our mission of serving the underserved and working for community development. Must be able to work some Saturdays (9:30 am to 1:30 pm) and until 6:30 pm Monday through Friday.

Job Type: Full-time

Pay: $17.50 - $17.75 per hour

Benefits

Health insurance, dental insurance, short-term and long-term disability insurance; option to join 401k retirement savings plan at 6 month anniversary; sick and vacation days plus all federal holidays off with pay

Benefits:

• 401(k)
• 401(k) 3% Match
• 401(k) matching
• AD&D insurance
• Credit union membership
• Dental insurance
• Disability insurance
• Employee assistance program
• Flexible spending account
• Health insurance
• Life insurance
• Paid sick time
• Paid time off
• Retirement plan
• Vision insurance

Work Location: In Person (Syracuse, NY)