Position Title: Collector I

Location: Sacramento, CA - University Ave.

Position Summary

This position is responsible for developing and administering an effective delinquency control system with contact and follow up with members when share accounts are overdrawn and payments on loans and Visas are past due. Must have basic knowledge of collection activities, skip tracing, repossession procedures, FDCPA, bankruptcy proceedings, and small claims activities.

Salary Range: $20.91 - $31.37/hr. DOE.

Duties and Responsibilities:

• Follows up on accounts listed in the negative and delinquent account queue(s). Has the responsibility to properly notify and keep all members informed of the status of the negative and delinquent account(s) which he/she endorsed.
• Keep a record of conversations, either by phone or in person, regarding account promises or solutions with members regarding their negative share account. Maintains files on all accounts.
• Consults with members in person by telephone or correspondence to resolve part due payment status. Must recognize situations which may become severe, jeopardizing collateral or assets of the credit union. Assists in the preparation of extension agreements, enters data in computer providing an alert for other member/credit union relations.
• Considers accounts for small claims actions or civil actions. Refers accounts to Senior Collector, Collections Supervisor, or Collection Manager for further review.
• Has some knowledge of bankruptcies and subpoenas. Ability to assist the Senior Collector, Collections Supervisor, or Collections Manager with preparing documents to support current cases.
• Prepares and assists with paperwork for repossessions or accounts assigned for repossession. Has the knowledge of the repossession procedures and process.
• Is responsible for reviewing and working the negative share report monthly.
• Has knowledge of the process of CPI. Is able to communicate with members, the requirements by law and per the agreement to furnish insurance.
• Is compliant with the collections procedures and records implemented by the Collections Manager and has knowledge of credit union policies and procedures in alternate departments.
• Scan/image completed loan files, loan workups, and other documentation.  Includes verification of bar code information and audits of image quality and completeness.
• Other duties and goals as assigned

Education and/or Experience:

• 1-2 years collection experience
• High School diploma or equivalent
• Must be bondable
• Knowledge of collection regulations, laws, policy and proper procedures
• Product policy and procedure knowledge
• Interpersonal Skills
• Written and verbal communication skills
• Problem solving ability
• Sales techniques

Working Conditions/Physical Demands

• Work in an office environment requiring the use of office equipment, such as personal computers, printers, scanners and copy/fax machines.

Benefits include Paid Time Off (PTO), medical, dental and vision coverage, life insurance, 401K match, and CU contributions to a retirement savings fund.

If interested please email your resume to 90f3f1e2f5f5e2e3d0f6f9e2e3e4e5e3beffe2f7. No phone calls please!

Position Title: Member Service Representative I - Gold River Branch

Location: Gold River, CA - Gold Express Dr.

Position Summary

Demonstrates a professional image of the credit union to members while performing a variety of member service functions. Under general supervision of the Branch Manager, and in conformance with established policies and regulations, matches credit union products and services to member needs. Maintains an acceptable degree of accuracy and maintains high quality member service. Assist at other offices as needed.

Salary Range: $20.00/hr. - $26.05/hr. DOE.

Duties and Responsibilities:

Teller:

• Receives and disburses funds.
• Cashes checks.
• Processes loan transactions.
• Answers phone inquiries.
• Cross sells products & services.
• Maintains & secures a safe environment.
• Understands and follows the CU’s BSA-AML compliance program including but not limited to:
• Filing Currency Transaction Reports.
• Filing Suspicious Activity Reports.
• Conducting OFAC checks in accordance with the CU’s OFAC screening procedures.
• Processes mail.
• Balances and is responsible for cash drawer.
• Performs member document filing.
• Cross trains in office operations.
• Helps balance branch ATM/Kiosk and night drop.
• Performs other duties as assigned.

New Accounts/Loan Interviewing:

• Begins the process of learning how to open accounts.
• Begins the process of learning how to process loan applications and fund loans.

Education/Experience Requirements

• High School diploma or equivalent.
• 1-year financial institution experience preferred.
• Ability to operate computer terminal and general office equipment.
• Excellent member service and sales skills.
• Type 20 wpm.
• Interpersonal communication & problem-solving skills.
• Balancing and transaction accuracy.

Working Conditions/Physical Demands

• Works in an office environment, requiring the use of office equipment, such as personal computers.
• May travel to other branches when needed.

Benefits include Paid Time Off (PTO), medical, dental and vision coverage, life insurance, 401K match, and CU contributions to a retirement savings fund.

If interested please email your resume to 90f3f1e2f5f5e2e3d0f6f9e2e3e4e5e3beffe2f7. No phone calls please!

Position Title: Payment Specialist

Location: Sacramento, CA - University Ave

Position Summary

This position is responsible for addressing members' needs primarily related to credit, debit, and ATM card services via phone or through the Alkami platform. They support and perform advanced operational functions for the servicing and maintenance of card-related products. This role involves communication and interaction with members, staff, vendors, and merchants to assist with card-related issues alongside integration with non-card-related matters.

Salary Range: $20.00/hr. - $28.58/hr. DOE.

Duties and Responsibilities:

• Understand and adhere to the credit union's BSA-AML compliance program.
• Participates in all training required training programs.
• Review daily reports and determine the course of action.
  • Large ATM Deposit
  • Shared Branching Reports
  • Network Exceptions
  • Coop Daily Reports – Daily in the A.M.
  • FIER Report
  • PPS Card Order List
  • Complete funds transfers, issue provisional credit, credit revocation, posting of final credits, and communicate dispute status to customers by letter, phone, Alkami message center, or email (if available).
  • Maintain a daily spreadsheet to keep track of chargebacks entered, credited, denied, and represented.
  • Process any chargebacks for Visa or Debit cards, via the Data Navigator System in compliance with Visa International’s rules and regulations and Regulation E.
  • Process any interest, payment, or late charge adjustments to our member’s credit card accounts through the dispute process.
  • Make notes on all disputes and fraud in the Symitar system.
  • Upload all letters and dispute claims to the member's account through Synergy.
• Process debit card return mail to include adding notes to Symitar, logging, and forwarding of cards if needed.
• Review Ensenta queue for ATM deposits 2 times a day.
  • Post journal entries for adjustments.
  • Reverse deposits from member’s account
  • Open cases to adjustments and/or returns through “Jack Henry For Clients”
• Create messages to other institutions for adjustments through For Clients and Coop – Data Navigator for return checks for their cardholders.
• Download reports from Jack Henry for adjustments from other institutions. Post the adjustments accordingly.
• Respond to all Shared Branching inquiries via phone, email, and fax.
• Review CAMS Alert for compromised cards and act upon it.
• Respond to FICO Fraud Alert via email and fax.
• Respond to Cooper Fraud Alert for shared branching.
• Monitor Alkami queues for card disputes/fraud, respond to members’ messages by phone or Alkami message center, and follow up with collecting the Cardholder Dispute form 1-2 times a day. Follow up on any unanswered messages by phone.
• Monitor Tracker queues for card disputes/fraud claims forms from branches.
• Respond to ECM payment adjustment emails.
  • Send email to appropriate MSR and departments.
  • Post adjustments from member’s account as needed and charge fee.
• Assist branches with questions on all credit union products and services via phone and email.
  • Answer questions about card fraud, cards not working, card activation, card denial, etc.
  • Answer questions on procedures.
• Maintain current procedure manuals for desk duty functions.
• Process all Incoming Wires.
• Verify and review Outgoing Wires.
• Process Cash Orders in FRB
• Review and complete Unpaid Interest Report monthly on the 1 st day of the month.
• Post all SBA loan payments as needed.
• Review and complete SSA and AVS once a week at a minimum.
• Cross-train in other job duties to help with coverage within the department.
• Other duties as assigned.

Education/Experience Requirements

• High School Diploma or equivalent
• Minimum of 3 years of experience in card services or related field.
• Minimum of three to five years of related banking experience.
• Willingness and flexibility in taking on new responsibilities.
• Proficiency in computer programs such as MS Word, Excel, and Outlook.
• Must have good verbal and written communication skills.
• Takes responsibility for own learning and development opportunities.
• Strong ability to work independently or in teams and manage multiple priorities.
• Able to work under pressure with multiple deadlines.
• Strong math skills, detail-oriented, accurate data entry skills, and problem-solving skills
• Sound understanding of credit union products and services.
• Knowledge of Visa processing and regulations and Regulation E.

Benefits include Paid Time Off (PTO), medical, dental and vision coverage, life insurance, 401K match, and CU contributions to a retirement savings fund.

If interested please email your resume to 90f3f1e2f5f5e2e3d0f6f9e2e3e4e5e3beffe2f7. No phone calls please!

Position Title: Phone Center Member Service Representative I - University Phone Center

Location: Sacramento, CA - University Ave.

Position Summary

Demonstrate a high level of member service by supporting multiple contact channels, primarily via telephone. Under general supervision of the Phone Center/University Branch Manager, and in conformance with established policies and regulations, match credit union products and services to member needs.

Salary Range: $20.00 - $28.58/hr. DOE.

Duties and Responsibilities:

• Assist members over the telephone by processing transactions and providing information on Credit Union products and services
• Help resolve member questions and account issues through research and follow up
• Advocate for our members and be willing to escalate calls or solicit help when needed
• Deliver excellent member service in an efficient and professional manner
• Maintain confidentiality of member and credit union records
• Recognize red flags and inconsistencies during member interactions
• Demonstrate empathy on each member engagement
• Meet individual goals while contributing to Contact Center objectives
• Understands and follows the CU’s BSA-AML compliance program including but not limited to:
  • Filing Currency Transaction Reports
  • Filing Suspicious Activity Reports
  • Conducting OFAC checks in accordance with the CU’s OFAC screening procedures
• Perform member transactions with a high level of accuracy
• Process mail deposits/payments, account closure requests, and perform account maintenance such as address changes, ordering ATM/debit cards, check orders, etc.
• Perform job functions of University Branch Member Service Representative, as needed
• Performs other duties as assigned
• Helps with branch’s assigned collateral duties
• When needed, perform Member Service Representative job functions at University Branch including, teller transactions, loan fundings, account maintenance, vault and ATM balancing, and member follow up

Education and/or Experience:

• High School diploma or equivalent
• 6 months to 1 year financial institution experience preferred
• Ability to operate computer terminal and general office equipment
• Excellent member service and sales skills
• Type 20 wpm
• Strong interpersonal communication & problem-solving skills
• Balancing and transaction accuracy

Working Conditions/Physical Demands

• Works in an office environment, requiring the use of office equipment, such as personal computers.
• May be required to travel to other offices when additional staffing coverage is needed.

Benefits include Paid Time Off (PTO), medical, dental and vision coverage, life insurance, 401K match, and CU contributions to a retirement savings fund.

If interested please email your resume to 90f3f1e2f5f5e2e3d0f6f9e2e3e4e5e3beffe2f7. No phone calls please!

Position Title: Assistant Branch Manager - Rocklin Branch

Location: Rockin, CA - Lonetree Blvd.

Position Summary

The Assistant Branch Manager will work closely with the Branch Manager to plan, schedule, supervise and evaluate branch work flow and staffing. Coordinate branch activities to meet or exceed sales and service goals and expand member relationships. Monitor staff performance and call volume. Solve problems within established policies and guidelines. Provide regular back office support and monitoring.

Salary Range: $25.22 - $37.83/hr. DOE.

Duties and Responsibilities:

• Sets goals for performance and deadlines in alignment with organizational goals and vision. Organizes and monitors workflow, ensuring that employees understand their duties and delegated tasks. Monitors employee productivity and provides constructive, consistent feedback, coaching and counseling. Maintains safe and healthy work environment by establishing and enforcing organization standards and adhering to legal regulations.
• Supervise branch employees, observing and assisting with cross selling conversations, problem resolution, and/or questions.
• Create and maintain a cross-selling environment and regularly meet sales goals.
• Assure that employees are trained to serve members on all credit union products and services.
• Ensure that branch appointments are taken care of and scheduled accordingly
• Research and resolve member inquiries or complaints. Ensure proper follow up and member satisfaction.
• Open new accounts, conduct loan interviews, take applications and fund loans.
• Review and Approve Quick Cash loans, Instant Credit Loans, Share Secured Loans and Platinum Secured VISAs
• Approve and process wires over the phone
• Maintain a smooth operation of the branch and monitor cash and coin inventory for cash orders
• Monitor staff conversations for professionalism, accuracy and content.
• Research and solve complex member questions, problems, and/or complaints concerning credit union accounts or account verifications for branch representatives.
• Regularly provide coaching.
• Ensure that all credit union member- and employee-related business is kept in the strictest confidence.
• Treat all credit union members and employees with a positive and cooperative attitude.
• Ensure that staff understand and follow the Credit Union’s BSA-AML compliance program, including but not limited to:
  • Filing Currency Transaction Reports
  • Filing Suspicious Activity Reports
  • Conducting OFAC checks in accordance with the CU’s OFAC screening procedures
• Incorporate BSA-AML compliance into their job descriptions and performance evaluations.
• Assists with reports, New Account audits, and Loan Funding Packet audits.
• Perform other duties as assigned.

Education and/or Experience:

• High School diploma or equivalent
• 3-5 years financial institution experience
• Excellent member service and sales skills. Heavy emphasis on sales orientation
• Ability to operate computer terminal and general office equipment
• Type 20 wpm
• Interpersonal communication and problem solving skills
• Balancing and transaction accuracy
• Must be dependable, able to assume responsibility, supervise employees and maintain a cooperative attitude with members and other employees
• Must be goal oriented
• Public Notary if needed

Working Conditions/Physical Demands

• Works in an office environment, requiring the use of office equipment, such as personal computers.
• Must be able to frequently move around the office to perform activities.
• Occasionally work long hours to ensure adequate branch coverage and accomplish tasks as necessary to effectively manage the branch and meet established goals and targets.
• Must be able to periodically travel to other branches or meetings and places of business for existing or potential members or SEG groups by car or public transportation.

Benefits include Paid Time Off (PTO), medical, dental and vision coverage, life insurance, 401K match, and CU contributions to a retirement savings fund.

If interested please email your resume to 90f3f1e2f5f5e2e3d0f6f9e2e3e4e5e3beffe2f7. No phone calls please!

Position Title: Universal Membership Officer

Location: Sacramento, CA - University Ave.

Position Summary

This position is a higher-level position with experienced staff who understand the daily operations of the Credit Union. Team member is able to help with more complex issues and assist the branch in the absence of Assistant Branch Manager or Manager. Demonstrates a professional image of the credit union to members while performing a variety of member service functions. Under general supervision of the Branch Manager, and in conformance with established policies and regulations, matches credit union products and services to member needs. Maintains an acceptable degree of accuracy and maintains high quality member service. This position will also help with back-office support when possible. Travels to all branches needing additional coverage.

Salary Range: $20.91 - $31.37/hr. DOE.

Duties and Responsibilities:

Teller:

• Receives and disburses funds
• Cashes checks and savings bonds
• Processes loan transactions
• Accepts & discusses loan applications
• Answers phone inquiries
• Cross sells products & services
• Maintains & secures a safe environment
• Understands and follows the CU’s BSA-AML compliance program including but not limited to:
  • Filing Currency Transaction Reports
  • Filing Suspicious Activity Reports
  • Conducting OFAC checks in accordance with the CU’s OFAC screening procedures
• Processes mail
• Balances and is responsible for cash drawer
• Cross trains in office operations
• Backup to phone center
• Understands IRAs and IRA transactions
• Performs other duties as assigned

New Accounts/Loan Interviewing:

• Opens all new accounts in accordance with CU’s Customer Identification Program
• Qualifies members via proper ID (social security & driver license) Chexsystems & in regards to our field of membership
• Opens new membership as a package of services (PHONE-24, Debit/ATM, savings, checking, OD Protection)
• Cross sells & set up new service accounts (CDs, IRA, Premier Money Market, checking & loans).
• Discusses all products and services with members
• Accepts loan applications & processes them via system
• Disburses completed loan packets
• Familiar with DMV paperwork
• Runs instant credit, automated approvals
• Trouble shoots and problem solves
• Cross trains in branch operations
• Helps train other team members

Vault Teller:

• Performs teller duties & assists in teller training
• Responsible for vault duties, RT and Travelers checks
• Maintains proper cash limits & orders funds as needed
• Disburses & receives cash from tellers
• Understands and follows the CU’s BSA-AML compliance program including but not limited to:
  • Filing Currency Transaction Reports
  • Filing Suspicious Activity Reports
  • Conducting OFAC checks in accordance with the CU’s OFAC screening procedures
• Assists in the security & accounting of negotiable items
• Balances vault and branch summary
• Completes deposit verifications & credit ratings
• Administers levies and wage attachments
• Cross sells products & services
• Backup to phone center
• Performs other duties as assigned

Phone Center:

• Provides member service, as outlined above, over the phone.

Education and/or Experience:

• High School diploma or equivalent
• 1-3 years financial institution experience preferred
• Ability to operate computer terminal and general office equipment
• Excellent member service and sales skills
• Type 20 wpm
• SInterpersonal communication & problem solving skills
• Balancing and transaction accuracy

Working Conditions/Physical Demands

• Works in an office environment, requiring the use of office equipment, such as personal computers.
• Must have reliable transportation and a valid driver's license.

Benefits include Paid Time Off (PTO), medical, dental and vision coverage, life insurance, 401K match, and CU contributions to a retirement savings fund.

If interested please email your resume to 90f3f1e2f5f5e2e3d0f6f9e2e3e4e5e3beffe2f7. No phone calls please!