Company: USE Credit Union
Posted on: January 13, 2022
USE Credit Union
Job ID 2021-1461
Job Locations US-CA-Berkeley
Category Retail (Branches)
Type Regular Full-Time
More information about this job
Are you Service-Driven and Relationship-Focused? USE's branches are
the perfect place for you! As a Relationship Officer, you'll have
the chance to empower members to gain better control of their
finances and help them achieve their dreams. Become part of a team
that is key in delivering extraordinary experiences. Do you have
what it takes?
Attain sales goals; identify, acquire and grow new and existing
consumer relationships, including deposit and loan portfolio. Must
meet production volume as designated.
Utilize the Deep Dive to meet each member's perceived and
unperceived financial needs.
Initiate and participate in business development including
proactive activities such as canvassing, CAP/SEG (Community
Affiliated Partner/Select Employee Group) development and
Initiate proactive outbound calls Including internal lists and
Establish new memberships, checking, savings accounts, term
investments, IRAs, insurance products, consumer loans and other
products and services, such as Online Banking, etc.
Perform appropriate on-boarding activities for all new and existing
members including follow-up calls.
Perform a variety of file maintenance duties, including but not
limited to: adding owners/signers, updating personal information,
adding additional products, decedent accounts, trust
certifications, and POAs as requested by members.
Initiate consumer loan applications using various loan origination
systems and assists member in choosing the right loan programs for
the member's own personal financial situation.
Coordinate the application process between the member, third
parties and internal loan operations group, ensuring extra-ordinary
service for the member.
Communicate status to all parties during the loan process, guides
the loan to a smooth closing.
Manage loan queues, including timely and proactive follow-up on
approved loans, meeting targeted loan closing ratios and other
product cross-sell ratios, keeping loan conversation logs current,
and closing loan files with appropriate explanations for loan
Maintain reporting for all loan leads, applications and fundings as
directed by management including pipeline reports.
Cross-sell all products and services to meet member needs and
achieve strategic objectives, cross-sell ratios, and member
Initiate and maintain strong referral relationships with members
and outside contacts and helps achieve new business development
Initiate referrals and constantly prospects for new referral
relationships and new members.
Maintain the required knowledge of products, services, policies and
procedures, laws and regulations and other compliance requirements
that pertain to the deposit and lending functions.
Assist team members to ensure continuity of service and achievement
of individual, team and organizational business goals.
Adhere to Mystery Shop Standard Guidelines. Utilizes skills from
Creating Member Loyalty Training and other programs as directed by
Protect the credit union member assets by identifying all members
when transacting business and giving information, adhering to
security and privacy practices.
Be member focused and model the following attributes: leadership,
service excellence, cultural attributes, commitments, and align
responsibilities with the company's core strategy, strategic
objectives, brand promise, vision and value proposition.
In accordance with approved credit union objectives and guidelines,
is specifically responsible for meeting performance metrics,
including branch growth and profitability projections and
Position may require some supervisory responsibilities on an
exception basis with prior approval from VP of Retail Delivery in
the absence of a manager. This may include opening/closing
procedures as well as override authority within assigned
High school diploma or general education degree (GED); 2 or more
years of experience in originating consumer loans preferred and
three to five years related banking positions or equivalent; sales
experience and/or training; or equivalent combination of education
The ability to read, analyze and interpret common and technical
procedures, financial reports and legal documents. The Ability to
respond to common and intricate inquires or complaints from
members, regulatory agencies or members of the business
Experience with creating and writing reports, correspondence and
presentations that effectively present information to staff, top
management, public groups and Credit Union members.
The ability to use loan origination systems, contact management
software, and other Microsoft Office application products, as well
as the ability to learn new applications quickly. Requires general
knowledge of computer network and database use.
Valid California driver's license required.
All Mortgage Loan Originators (MLO) must be actively registered
with the National Mortgage Licensing Service (NMLS). Must renew and
pass annually to maintain active status.
Must be able to work branch operational hours to include weekends,
and to work occasional nights or weekends.
University and State Employees Credit Union is an Equal
Opportunity/Affirmative Action employer. All qualified applicants
will receive consideration for employment without regard to race,
color, religion, sex including sexual orientation and gender
identity, national origin, disability, protected Veteran Status, or
any other characteristic protected by applicable federal, state, or
Employment may be contingent upon USE Credit Union's receipt of an
acceptable and job-related background check, drug screen, credit
check and vaccine verification, as applicable and permissible by
law. USE Credit Union is committed to the safety and wellbeing of
our employees and their families; our members and visitors; and the
community at large. In accordance with our duty to provide and
maintain a workplace that is free of known hazards, we are
requiring that employees must have received or be willing to
receive the COVID-19 vaccine. USE Credit Union continues to monitor
the pandemic following CDC guidelines, federal state and local
laws. Policies continue to be adjusted as new information
USE Credit Union is committed to working and provide reasonable
accommodation to applicants with physical, mental disabilities and
sincerely held religious beliefs. For more information, contact
Keywords: USE Credit Union, Berkeley , Relationship Officer, Other , Berkeley, California
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