Performs essential duties and responsibilities in the following areas which may include, but are not limited to those listed and are subject to change: Demonstrates a positive member service (internal and external) focus at all times, greeting members and guests with a smile and eye contact immediately upon their arrival, using their name or acknowledging them, and thanking them for their business. Demonstrates teamwork in all interactions with co-workers and in the completion of all duties and responsibilities. Ensures confidentiality of member information. Cross-sells and refers all Credit Union products and services, including retail offerings. Evaluates, encourages, cooperates and develops cooperation among staff members to ensure quality of work, effective employee relations, and a "team effort" and prompt service to members. Participates in continuing education as necessary. Remains informed of Federal and State regulations which govern credit-granting procedures, including Equal Opportunity Act (Reg B), Federal Truth-in-Lending Act (REG Z), Fair Credit Reporting Act, and Bankruptcy Reform Act, and NCUA business loan rules. Assists Sr. Vice President in the establishment, maintenance, and monitoring of internal controls in the commercial lending and deposit gathering functions. Ultimately responsible for assuring credit files are maintained in accordance with guidelines and insuring that all necessary documentation is in the file. Assures and prepares proper loan documentation for each transaction and is executed as required by the type of transaction. Assures appropriate documentation is maintained for loan approvals and rejections. Obtains, evaluates and analyzes financial information to determine the cash flow, credit worthiness of the borrower, collateral margins and debt service capacity to submit to Sr. Vice President/Commercial Services. Submits initial underwriting and proposed action of commercial loans to Sr. Vice President/Commercial Services and Credit Analyst for credit decisions and approval. Assists all lenders in the market with loan requests, proposed actions, and decision making. Responsible for the final decision making within the documented lending authority or submittal to Sr. Vice President and Commercial Loan Committee. Explains reasons for denial; counsels and explores options for members and lenders when loans are denied. Initiates business development activities by making calls on existing and potential members. Works to create a network of contacts and referral sources in the business community through involvement in a variety of activities. Explains the commercial loan application process and products to the membership. Conducts loan interview an analyzes loan requests and lease request, applicant(s) financial position, credit information, and ability to repay the loan in making an informed decision to approve or deny the loan and explains loan or lease documents to applicant(s). Obtains annual financial and loan information that meets the credit union policy standards. Is responsible for ensuring that all necessary documentation is in loan files, including regulatory compliance items. Determines applicant qualifications and type of commercial loan most advantageous, approves or rejects the loan request in accordance with credit union policy. Conducts commercial loan closing insuring proper documentation with needed signatures and compliance. Pays out closed commercial loans, mails checks issued, and records needed documents. Assists in collection and delinquency control of commercial, real estate loans and other loans as assigned. Obtains and analyzes current financial information on existing loans for the purpose of conducting periodic reviews to determine the ongoing credit worthiness of the borrower. Assures annual reviews or file memos are in file as required by policy for commercial credit relationships. Maintains delinquency and charge off levels for the market lenders within approved g
Ability to coordinate and prioritize assignments and organize work efficiently. Good time management skills required to manage multiple assignments on time. Interpersonal skills to represent the Credit Union in a positive way during member contact. Excellent figure aptitude, with accuracy and attention to detail required. Knowledge of procedures, forms and regulations as they relate to commercial lending and deposit gathering. Ability to deal tactfully and efficiently with members and co-workers on a professional level. Proficiency in a wide variety of personal computer software programs, including the Microsoft Office application suite. Ability, availability and willingness to work additional hours as dictated by the workload. A strong working knowledge of local area network directories, protocol and general maintenance procedures. Strong analytical skills with excellent verbal, written and interpersonal communication skills. Self-directed nature, ability to work independent of supervision, and ability to follow directions. Maturity and discretion to handle confidential information. Must be bondable. Four year college degree. Eight years of commercial lending or equivalent work experience
University of Iowa Community Credit Union (UICCU) is a member owned financial cooperative with 15 office locations. Since being organized in 1938, UICCU has grown to be the largest credit union in Iowa with nearly 4 billion in assets and 150,000 members. Membership is open to anyone living or working in all 99 Iowa and 4 Illinois counties.
UICCU exists to serve its members. Our "members first" ...philosophy has led to a national rank by independent research firm Callahan & Associates for Return of Member (ROM). This measures how effectively a financial institution returns its profits back in the form of better rates on deposits and loans. For 19 straight quarters, UICCU's ROM rank was either #1 or #2, up against more than 13,000 banks and credit unions nationwide.
UICCU exists to serve the community as well. We volunteer time and donate funds to support the local organizations and charities that help our communities thrive. We provide financial education for area schools and businesses to help residents grow and make smart money decisions. To learn more about how we serve the community and individuals of modest means, click here to download our most recent Statement of Commitment.
UICCU has been consistently recognized as a Des Moines Register Top Workplace and Corridor Business Journal Coolest Workplace! We also were awarded the Best Internal Career Pathway Award by the Corridor Business Journal in 2016 due to our Leadership Development Program, training opportunities, and high internal promotion rate! UICCU was also recently ranked #3 by the Credit Union Journal as one of the Top 45 Credit Unions in the nation to Work For!