Arizona Federal Credit Union
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Digital Branch Consultant - Operations Center
at Arizona Federal Credit Union
DEPARTMENT HOURS: Monday - Friday 9am to 6pm and Saturday 9am to 1pm
High school diploma or general education degree (GED); and one year experience in a financial institution with new account and consumer lending (such as personal banker. Knowledge of computers and standard Windows software applications. Ability to type 45 words per minute. Ability to perform 10-key accurately. Ability to read, write, speak and use proper grammar in English. Must register as an MLO. Ability to communicate in person, on the telephone, and through written business correspondence. Ability to interpret and analyze written reports, instructions, correspondence, and procedure manuals. Ability to speak effectively to members regarding sensitive inquiries or complaints. Ability to add, subtract, multiply, and divide whole numbers, decimals, and common fractions. Ability to calculate rates, ratios and percentages. Ability to make decision based on training, commonsense understanding, and guidelines.
Six months call center experience
One year experience as a Membership Specialist at Arizona Federal
Receive, manage, and process account/loan applications from multiple sources including lobby, phone and web
Manage the Arizona Federal loan recapture program
Perform all necessary follow-up communications with new or existing members electronically or by phone to secure a mutually beneficial relationship
Fulfill loan and account requests directly through online and electronic signature technology where applicable, or provide support to ensure loans and accounts fulfilled in a lobby are disbursed or opened timely, accurately and effectively
Maximize each new and existing member contact by identifying, creating, or expanding a mutually beneficial relationship through the delivery of other loans or ancillary products
Foster strong relationships and help with the following:
Identifying additional opportunities
Lifeguard product sales
Business Partner Referrals
Outbound Sales on targeted member opportunities
Demonstrate habits and behaviors consistent with brand guidelines, aimed at becoming the borrower’s lender of choice
Identify equity loan business or 1st Mortgage business
Assist members to determine the proper loan program, completing the loan application and gathering the necessary paperwork, including pay stubs, tax returns and bank statements.
Obtain and analyze credit reports to determine member’s debt to income ratio and creditworthiness.
Act as a relationship manager between titles, escrow, underwriter and Equity Processing team.
Handles inbound Equity calls & Web Apps and places outbound calls focused on Equity Loans
Maintain strong knowledge of Equity products, services and processes
In compliance with the federal Secure and Fair Enforcement for Mortgage Licensing (S.A.F.E.) Act of 2008, Arizona Federal employees acting as Mortgage Loan Originators (MLO) must be registered with the Nationwide Mortgage Licensing System (NMLS). Prior to performing MLO duties, the registration process requires that applicants and/or current employees:
1. electronically apply for registration, providing personal and employment information;
2. submit fingerprints to the NMLS for an FBI criminal background check, and
3. receive clearance from Arizona Federal regarding that FBI background check.
Applicants with certain criminal convictions, including but not limited to crimes involving dishonesty or fraud, or crimes involving financial services or a financial services related business, may not qualify for the MLO designation.
After successful registration, employees may perform the MLO functions. To maintain MLO registration and the ability to perform these functions, they must:
renew registration on an annual basis, and
update any changes to his/her registration information as needed.
The MLO’s registration and employment status will be available to the public on the NMLS Registry.
MLOs routinely handle confidential member information, and have strict requirements for maintaining the confidentiality and non-disclosure of that information.
While performing the duties of this job, the employee is occasionally required to stand, walk, stoop, kneel or crouch. While performing the duties of this job, the employee is frequently required to sit. While performing the duties of this job, the employee is regularly required to use hands to finger keys accurately when using calculator machines or computer keyboards; reach with hands and arms. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, ability to adjust focus. The noise level in the work environment is usually moderate. NOTE: The requirements listed in the above qualifications and essential functions are representative of the knowledge, skill, physical demands or work environment required or encountered that must be met by an employee to successfully perform each duty and each function of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform these essential functions.