Career Opportunities

VP of Business Lending

• Meet with members regarding business lending requests.
• Perform onsite reviews of business accounts.
• Underwrite business loan applications.
• Develop business loan products and services.
• Ensure that business loan policies, procedures, services, products, and documentation meet federal and state regulations.
• Formulate and maintain a loan procedures manual for business loan department that is up-to- date with all regulations and requirements. Ensure staff training and compliance.
• Maintain up-to-date knowledge of general economic conditions or changing trends that may affect the credit union’s business lending department. Provide timely feedback that allows the credit union to react competitively.
• Maintain knowledge of competitors’ rates and terms and other trends relating to business lending. Construct products, rates, and terms that reflect the marketplace.
• Provide input and recommendations for lending interest rates to Management.
• Evaluate the job performance of subordinates to ensure quality work and service to members.
• Develop and assess monthly loan reports. Develop procedures and reporting tools for effective information to flow through the department.
• Review loan approvals and denials for soundness of conclusions.
• Perform audit of business loan files to ensure quality of work and quality of documentation.
• Define appropriate limits of authority for business service loan personnel.
• Minimum of two years of lending experience required.

Personal Banker (Watertown Branch)

Purpose:

Meet with members of the credit union. Provide account information by phone or in person, as well as information on the full range of credit union products and services. Open accounts for members, resolve issues, and professionally handle the member’s daily needs. Provide a variety of transactional services to members including loan processing, closing, and disbursal. May lead the activities of other Member Service Representatives.

Duties and Responsibilities:

• Provide in-person and by-telephone general and specific service-related information concerning credit union products or policies

• May reply to email or other electronic requests submitted by members, again providing profession, prompt, efficient, and accurate service and information

• Respond to members’ requests, problems, and complaints, resolving issues, and/or directing them to the appropriate person for specific information and assistance. May handle more complex questions and problems for other Member Service Representatives.

• Open new accounts and service existing accounts. Set up new account files and provide members with all necessary information for membership.

• Handle requests from members for transfers of shares to loan payments, share withdrawals, check requests, CD transactions, line of credit advances, and any other requests received from members.

• Process, close and disburse loans.

• Educate members on credit union products and services based on member’s needs that are obtained from member interviews and/or review of member’s account.

• Up-to-date and comprehensive knowledge on all credit union products and services that are handled or promoted by Member Service Representatives. Up-to-day and comprehensive knowledge on all related policies and procedures, rules, and regulations.

• Provide information on investment alternatives to members wishing to deposit funds with the credit union.

• Research accounts for deposit, withdrawal, and loan-payment discrepancies.

• Assist members in balancing their accounts.

• Assist members in opening certificates of deposits (CDs) and individual retirement accounts (IRAs) and further documentation of deposits/withdrawals.

• Perform any and all other duties as assigned by supervisor.

Branch Manager 1 (Watertown Branch)

Purpose:

Guide and manage branch office in providing quality service to members in account transactions, loan applications, and new account. Solve problems within established policies and guidelines. Manage branch with less than ten full-time employees.

Duties and Responsibilities:

• Maintain a highly motivated, well-trained staff, maintaining effective employee relations.

• Apply and evaluate policies and procedures for the branch. Ensure that the branch is in compliance with federal laws and regulations set forth by the National Credit Union Administration and other regulatory agencies.

• Evaluate the job performance of branch office staff to ensure quality of work and service to members.

• Monitor branch activity, including number of transactions, volume, teller errors, loan volume, teller and loan personal sales, and new accounts.

• Monitor key products and sales within branch to ensure profitable and sound business practices and a high quality of service for members.

• Manage the security and safety of the branch. Examine and monitor security and safety policies and procedures on an on-going basis.

• Ensure that staff receives on-going training on security and robbery procedures.

• Schedule adequate staff to ensure efficient branch operation.

• Conduct loan interviews. Process, approve and/or close loans.

• Monitor branch operations to ensure a consistent, professional approach.

• Assist staff or members in solving complex account problems.
• Perform all other duties as required by supervisor.

Area Federal Credit Union offers a complete compensation package that includes health insurance, life insurance, disability insurance, paid time off and a retirement plan. Employees can earn even more with our bonus/incentive pay program.

Interested applicants should submit a cover letter and resume to:

hr@areafcu.org OR

Area Federal Credit Union

Attn:  Human Resources

PO Box 1495

Aberdeen, SD 57402-1495

*All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected
veteran.