Member Advocate (Banker) - McMinnville Branch -
Bilingual Spanish Preferred
- Location2668
OR-99W, , McMinnville, OR, 97128, United States
- Base
Pay$22.78 - $25.46 / Hour
- Job
CategoryActive
- Employee
TypeFT Non-Exempt
Description
Learn more about working
at Embold here: http://bit.ly/clackamas-youtube
Expand your career and
join the Embold Credit Union Team!
We are boldly growing to
new heights while deepening our community roots.
Since 1957, we have
served Clackamas County with the mission of helping our members meet their
financial goals. In 2021, an expansion allowed the credit union to begin
serving anyone who lives, works, worships or attends school in Clackamas,
Marion, Multnomah, Polk, Washington, and Yamhill counties.
From these roots, Embold Credit Union was born. Our name change helps demonstrate our commitment to our entire service area, but the important things remain the same — our commitment to serving our members and our communities.
What makes Embold
different from a bank? Our structure, values, and impact. We put people before profits. We’re committed to bringing innovative financial services to our membership, including ITIN lending services, Payday Alternative Loans, and financial planning specific to families of special needs children. And we’re dedicated to making an impact in our communities through volunteerism, investment, and fundraising.
Those who are fluent in
Spanish are eligible for a language differential pay.
Embold
believes that each employee makes a significant contribution to the success of
our Mission, Vision, and Values. This position description is designed to
outline primary duties, qualifications and job scope, but not limit the
incumbent nor the Credit Union to just the work identified. Your
contributions should not be limited by the assigned responsibilities. It
is our expectation that each employee will offer their services where needed to
ensure the success of our endeavors.
Position
Summary:
This
position is responsible for providing a world-class service experience for our
members by offering a variety of member-focused solutions and
transactions. The Member Advocate interacts with our members in person
and via Credit Union technology including phone systems, online chat, and
email. This position is responsible for helping our members reach their
financial goals by providing information on and cross-selling our exciting
services, products, and promotions. This position level has the additional
responsibility of providing mortgage lending services (Home Equity).
Essential
Functions
- Embraces the Embold Experience including our Mission
and Vision Statements, Core Values and service standards.
- Member Advocates will provide a variety of
member-focused solutions which at times may include account transactions
(i.e. deposits, withdrawals, check cashing, loan payments, account
transfers, fraud reports, account inquiries, account maintenance).
- Interview loan applicants, explain loan options, rates,
terms, and collateral requirements.
- Resolve loan application problems, addressing credit
report problems, low salary levels, and high debt ratios.
- Make notes in Credit Union Core Systems to ensure that
all necessary loan information and documentation is provided to
underwriting, noting potential red flags and underlying risks.
- Open new member accounts, explaining the features and
benefits, to build long-term banking relationships.
- Process member requests ensuring accuracy and complete
satisfaction.
- Handle member transactions when the ITM’s are down.
- Responsible for keeping cash drawer limits within
guidelines.
- Buy or sell cash, keeping within limits, and ensuring
dual control at all times.
- Balance checks and cash totals during down times and at
the close of each business day.
- Notify Manager any time out of balance. Adhere to the
Cash Drawer/Balancing Standards.
- Verify transactions; examine documents for endorsement,
negotiability, and potential red flags, to ensure compliance.
- Process fraud paperwork requirements with the member
and forward to the appropriate department.
- Follow procedures for all required Bank Secrecy Act
(BSA) reporting.
- Using account resources, refer or cross-sell products
and services that benefits the member.
- Meet or exceed sales and service goals, contributing to
branch and member growth.
- Maintain a high level of knowledge of Credit Union
internal controls, compliance, laws, regulations, guidelines, policies and
procedures in the area of responsibility.
- Proficiency in using basic computer operating systems,
word processing tools, email platforms, internet functionality, and Credit
Union core systems.
- Maintain strict confidentiality regarding all
non-public data and uphold the financial integrity of the Credit Union.
- Advise manager of any atypical situation that could
pose a threat, risk or loss to the Credit Union
- Establish and maintain productive and effective working
relationships with the Embold team.
- Perform other duties and responsibilities including
departmental and individual goals and objectives as assigned.
Competencies:
- Communication / Teamwork
- Job Knowledge
- Member / Market Focus
- Analytic / Critical Thinking
- Professionalism
- Priority Setting / Time Management
- Attention to Detail
- Product Knowledge
Other
Expectations:
- Participation in community and/or volunteering events
preferred.
- Continual understanding, applied knowledge of, and
adherence to the Bank Secrecy Act and all federal, state, and local
financial regulations and reporting.
- Ongoing professional development – must complete the annual required courses and trainings; must meet expectations on Performance Evaluations and Behavioral Expectations.
- Must complete annual training on the SAFE ACT and meet
testing requirements.
- This position requires NMLS registration at the time of
employment. Embold Federal Credit Union will initiate the NMLS
registration process immediately after your employment start date. The
Nationwide Mortgage Licensing System (NMLS) web site (http://fedregistry.nationwidelicensingsystem.org )
provides the MU4R questions and registration required for employment in
this position.
Management
Scope:
- Has no supervisory/managerial responsibilities.
Interpersonal
Skills:
- A significant level of trust, credibility and diplomacy
is required. In-depth dialogue, conversations and explanations with
members, direct and indirect reports and outside vendors can be of a
sensitive and/or highly confidential nature. Communications may involve
motivating, influencing, educating and/or advising others on matters of
significance. Typically includes subject matter experts as well as first
level to middle managers.
Independent
Judgement:
- Specific standards and operating procedures provide
some options and latitude for independent decision and action. The
employee uses initiative in carrying out recurring assignments
independently without specific instruction, but refers deviations, problems,
and unfamiliar situations not covered by instructions to the supervisor
for decision or help. Decisions are usually limited to choosing between
two or three known options. Decisions normally take the form of
recommendations or giving input.
Mental
Complexity:
- Problems encountered are relatively simple in nature,
requiring some analysis or research to determine the best solution from a
limited number of prescribed options. Generally, average transactions and
tasks can take between 15 minutes and 30 minutes.
Organizational
Impact:
- Has little or no noticeable authority to make decisions
or responsibility to generate results that would impact the overall
company goals and objectives and would not have budgetary
responsibilities. The impact of the job would generally effect the services
or product, which an individual member or employee would receive.
Potential
for Error:
- Limited supervision and inspection of work. Errors can
be difficult to detect and resolve and/or the consequences of potential
errors can be of significance including, but not limited to lawsuits, lost
assets or revenue of a significant value or poor external audit.
Physical
Requirements:
- Perform primarily sedentary work with limited physical
exertion and lifting up to 10lbs regularly; on occasion lifting up to
30lbs.
- Must be capable of climbing / descending stairs in
emergency situation.
- Must be able to operate routine office equipment; e.g.
computer, telephone, scanner, copier, facsimile, and calculator.
- Must be able to sit or stand for long periods of time.
- Must be able to routinely perform work on computer for
an average of 6-8 hours per day.
- Must be capable of travel by automobile (as driver and
passenger), commercial airlines, rental vehicles and public transportation
and be able to lodge in public facilities.
- Must be capable of regular, reliable and timely
attendance.
Working
Conditions:
- This job operates in a professional environment.
- Days and hours of work will be established to cover
office operations, typically ranging Monday through Saturday.
- Must be able to work extended hours whenever required
or requested by management.
- This position may be required to travel to other
branches for coverage, and to all staff meetings.
- Potential exposure to hazards, i.e. robbery, etc.
Mental
and/or Emotional Requirements:
- Must be able to perform job functions independently and
work effectively as part of a team.
- Must be able to plan and direct the work activities of
self and others.
- Must be able to read and carry out various written and
oral instructions.
- Must be able to speak clearly and deliver information
in a logical and understandable sequence.
- Must be able to perform basic financial calculations
with extreme accuracy.
- Must be capable of dealing calmly and professionally
with numerous different personalities from diverse cultures at various
levels within and outside of the organization and demonstrate highest
levels of member service and discretion when dealing with the public.
- Must be able to perform responsibilities with composure
under the stress of deadlines / requirements for extreme accuracy and
quality and/or fast pace.
- Must be able to effectively handle multiple,
simultaneous, and changing priorities.
- Must be capable of exercising highest level of
discretion on both internal and external confidential matters.
Requirements
Experience:
- REQUIRED: Two
years of similar or related duties (as outlined in the essential
functions), including time spent in similar or preparatory positions.
- PREFERRED: Greater
than two years of similar or related duties
Education:
- REQUIRED: A
high school degree or GED.
- PREFERRED: A
two-year college degree or completion of a specialized course of study.
Summary
Work Schedule
FULL-TIME – Non-exempt - 8:45 AM – 5:45 PM Monday thru Friday, with alternating Saturdays (required) from 8:45 AM – 1:15 PM
Starting Pay Range
$22.78
to $25.46 per hour based on experience
Those
who are fluent in Spanish are eligible for a language differential pay.
Benefits: Here are a few of our great benefits.
Medical,
Vision, and Dental- Generous PTO-401k- Education Reimbursement & Student
Loan Repayment Assistance and the onsite gym at administrative headquarters.
We are an equal employment opportunity employer. All
qualified applicants will receive consideration for employment without regard
to race, color, religion, gender, national origin, disability status, protected
veteran status or any other characteristic protected by law.