Job Opportunities in United States
October 25, 2024
Redstone Federal Credit Union
Huntsville
FULL TIME
HELOC Closer
Job Description Summary
Job Description
Essential Duties and Responsibilities
- Schedules closings for all HELOC transactions. Serves as the point of contact for the member, e Branch, Direct Retail, and title search provider.
- Initiates outbound calls to closing agents to set the expectations for loan closings. Help members via phone calls that require assistance during a HELOC closing meeting.
- Reviews and approves HELOC documents. Ensures all information is accurate, including but not limited to; legal description, vesting information, names, lien position, account conditions, and payoffs.
- Completes system inputs to create HELOC loan documents.
- Assesses members' needs and concerns; provides consultative services to members regarding HELOC products and services.
- Handles member complaints through phone calls, correspondence and follow-up; utilizes knowledge of Credit Union products and services to provide solutions to members' concerns and problems; follows through to ensure member satisfaction.
- Uses established procedures to carry out routine work duties. Seeks guidance from team members to resolve issues and to identify appropriate issues for escalation.
- Interacts with other departments and vendors to research and resolve problems and provide requested information.
Company Wide Expectations
- Maintains a professional image and demeanor at all times, consistently demonstrating Credit Union RISE Values and adhering to the Code of Ethics.
- Delivers friendly, caring service to internal and external members.
- Complies with all applicable State, Federal and NCUA rules and regulations and all Credit Union policies and procedures.
- Follow all physical and online security procedures and maintain strict confidentiality of all member information.
- Completes all required regulatory and compliance training and maintains required knowledge of Credit Union products and services.
- Works scheduled hours and maintains punctuality.
- Performs other related duties as assigned or requested.
EDUCATION/EXPERIENCE
Minimum Qualifications
To perform this job satisfactorily, an employee must be able to carry out each essential duty competently. The requirements listed below are representative of the education, experience, skills and abilities required.
An equivalent combination of education and experience may be considered.
Education Requirements
High School or GED - Required
Experience Requirement
1 Year - HELOC / title industry experience - Required
Federal Home Loan Bank experience - Preferred
SKILLS/ABILITIES
- Effectively apply internal and external customer service practices and processes to meet quality service standards and achieve member satisfaction.
- Learn and apply information, on a wide range of Credit Union products, services and regulatory compliance requirements, in order to assess member situations and develop solutions.
- Use logic, reasoning and mathematical skills to solve practical problems and make sound decisions.
- Communicate in a professional manner and deliver information clearly and effectively. Actively listen to questions, opinions and ideas of others. Use tact and diplomacy in sensitive and confidential situations.
- Use correct English including spelling, grammar and punctuation.
- Operate computers and use business software and other standard office equipment.
- Understand and follow written and oral instructions.
- Set priorities and manage one’s own time effectively.
PHYSICAL DEMANDS
Physical Demands Disclaimer
The physical demands described here are representative of those that must be met by employees to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Physical Requirements
- Intermittent standing, sitting, walking, bending and climbing.
- Using hands repetitively to handle, feel or operate computers and other standard office equipment.
- Reaching with hands and arms.
- Intermittent lifting and carrying up to 25 pounds.
WORK ENVIRONMENT
Work Environment Disclaimer
An employee in this job will experience the following main work environments, others not listed may also be encountered on occasion;
Work Environment
Works in general office environment in a financial services facility.
Redstone Federal Credit Union is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, protected veteran status or status as an individual with disability. All qualified applicants will not be discriminated against on the basis of disability.
We are proud to be a Drug-Free and Tobacco Free Workplace.
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