About

• Description
• Digital Financial Representative II

• Report To: Digital Lending Manager
• Spokane Salary Range: $24.47 to $36.70 per hour
• Wenatchee Salary Range: $25.45 to $38.16 per hour

SUMMARY

• With the goal of enhancing lives, fulfilling dreams and building communities this position works under supervision; opens new accounts, verifies and processes maintenance to existing accounts; offers other credit union services, answers members’ questions and resolves related account complications via all Digital Channel interactions in the Digital Hub. Within authority, and in accordance with sound underwriting practices as set out in policy and procedure, examines, evaluates, and recommends approval of borrowers applications for credit or extension of lines of credit, consumer credit loans, or credit card accounts.

• ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned.
• To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
• Answers member inquiries through all Digital channels – phone, website, Qnomy and MRM from members regarding all consumer loans including Home Equity, new account and deposit services; credit, debit and ATM cards; account information, transfer requests, withdrawals, stop payments, check supplies; or any other member request concerning products and services of the credit union.
• Responding and transacting to members’ inquiries regarding the operation of accounts, access to services, account usage charges, interest rates on savings and loan products, resolving account discrepancies, and assisting members to make the most effective use of services offered by the credit union. Explaining available financial services, such as savings and checking accounts, Individual Retirement Account, Certificates of Deposit.
• Executes Outbound calling for campaigns and programs, which meet organizational and member needs, to ensure the growth and expansion of credit union products and services. Contributes to the organization's mission statement and goals by providing the highest quality of service, treating each person professionally - with warmth, courtesy and respect, cross-selling additional services, and making a personal effort to make members feel they belong and are important to the credit union.
• Responds to advanced level inquiries and troubleshooting on card products, Card Platform access and expert knowledge of card systems will be required to assist members at this level.
• Actively markets and cross-sells products offered by internal partners such as: Numerica Financial Services, Real Estate and Business Services. Through fostering partnerships across all Numerica lines of business leading to an exceptional member experience.
• Participates in sales initiatives by focusing on goals detailed in current incentive plan.
• Works with completed loan application through all digital channel requests specified information for loan application. Information may be recorded in writing, or by computer.
• 8. Demonstrated ability analyze applicant financial status, credit and property evaluation to determine feasibility of granting loan and approves or submits application to underwriters for verification and recommendation.
• Demonstrated ability to analyze potential lending opportunities involved in each lending situation to further assist the borrower as well as increase the credit union’s lending portfolio.
• Responsible for pro-actively soliciting, developing and maintaining member account relationships. Act as a relationship manager to existing members, cross selling the full range of Numerica Credit Union financial products and services meeting the members’ financial goals.
• Demonstrated ability to track and measure current and prospective member contacts regularly through MRM. Works and refines pipeline management for future closed sales through technology.
• Demonstrated ability in opening accounts through all digital channels, up to and including Advanced Accounts.
• Consistently meets or exceeds goals assigned for loans, deposits, other credit union services and insurance products.
• Demonstrated resource by newer team members and peers
• Contributes to the organization's mission statement and goals by providing the highest quality of service, treating each person professionally - with warmth, courtesy and respect, cross-selling additional services, and making a personal effort to make members feel they belong and are important to the credit union
• Demonstrated knowledge and adheres to all BSA regulations and compliance standards on internal and external policies.

Effectively incorporates CARES Principles in daily behaviors and interactions

• Connect Create a welcoming, energized, and warm environment
• Ask Discover and confirm others needs to ensure they feel understood and known
• Resolve Take personal and full responsibility for meeting others needs
• Elevate Commit to long-term personal and organizational growth and improvement
• Strengthen Invest in our Numerica community and beyond.

SUPERVISORY RESPONSIBILITIES

• No direct supervisory responsibilities.

PERFORMANCE STANDARDS

• Assists in attaining all department goals and objectives of the credit union. Professional approach to assessing the credit needs of members while observing the established lending policies and guidelines. Must fully understand credit union products and services and be able to assist members to use these products and services. Cooperative and positive attitude toward members and credit union staff. Professional appearance and attitude as well as the ability to communicate effectively with members and fellow employees.

EDUCATION and/or EXPERIENCE

• Minimum: High school diploma or general education degree (GED); plus two years’ related experience and/or training or equivalent combination of education and experience. Ability to learn credit union’s computer system for performing basic input/output tasks is preferred but not required. Preferred: Relevant training in a credit union, bank or other financial institution.

LANGUAGE SKILLS

• Ability to read and comprehend member correspondence, inquiry and instructions, and provide appropriately detailed and timely response for the media type chosen by the member. Ability to write and disseminate complex financial information in a way that is clear to members. Should effectively present information to members, potential members and other employees of the credit union over the phone and in writing.

INTERPERSONAL SKILLS

• A significant level of trust and diplomacy is required, in addition to normal courtesy and tact. Work involves extensive personal contact with others and/or is usually of a personal or sensitive nature. Work may involve motivating or influencing others. Outside contacts become important and fostering sound relationships with other entities, companies and/or individuals, becomes necessary.

CERTIFICATES, LICENSES, REGISTRATIONS

• Will be required to obtain NMLS registration.

OTHER SKILLS and ABILITIES

• Must have ability to operate general office machines and equipment such as photocopier, fax, adding machine and computer. Ability to accurately add, subtracts, multiply and divide in all units of measure using whole numbers, common fractions and decimals. Ability to lift up to 25lbs.

• The job description doesn’t imply an employment contract, nor is it intended to include every duty, task or instruction for which the employee is responsible. Other tasks may be assigned, based on business need and at Management’s request.

• Numerica Credit Union Benefits and Perks -
• https://www.numericacu.com/globalassets/images/pdfs/employee-benefits-summary-numerica.pdf
• Requirements
• Numerica Credit Union is an Equal Opportunity/Affirmative Action Employer
• Numerica Credit Union provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.

• If you are a qualified individual with a disability or a disabled veteran, you have the right to request a reasonable accommodation for purposes of participating in the application/hiring process with Numerica Credit Union. If you are unable or limited in your ability to use or access Numerica Credit Union’s career page at www.numericacu.com as a result of your disability, you can request reasonable accommodations by calling (509) 385-1660.