Current Openings

Loan Officer I

Status: Non-Exempt

Location: Cerritos

Reports To: Loan Manager/Loan Dept.

Salary: $18.02 – $27.04.

Job Summary:
Provide information on Credit Union products and services to members in accordance with Credit Union policies and procedures, and State and Federal rules and regulations. Responsible for evaluating the borrower’s ability to repay through financial statement, tax return, and cash flow analysis. Gather background information and analyze loan applicants’ credit history. Process, approve or deny loan applications (Consumer) based on analysis. Operate with moderate credit authority.

Essential Job Functions:
• Interview loan applicants; obtain all of the necessary documentation to make the loan decision; determine collateral needs and payment plans for members applying for loans.
• Process, approve or deny loan applications (Consumer).
• Review and evaluate member’s income documentation.
• When a loan is denied, explain reasons for denial in a professional, courteous manner. Collaborate with member to provide recommendations or alternative options in order to secure a loan in the future.
• Provide information to the member concerning the different types of loans. offered, the terms and interest rates, and the documentation needed to be considered for a loan.
• Complete loan applications over the phone and/or electronically.
• Make loan decisions in a timely fashion to meet member needs.
• Grant loans according to Credit Union policy and procedures and in compliance with federal and state laws.
• Verify the accuracy of loan amounts and repayment terms on approved loan applications.
• Provide financial education to members in the importance of building and maintaining good credit.
• Refer all borrower requests for loan extensions, refinances, or any changes to original loan terms to the Credit Union supervisor or as designated in policy.
• Implement new loan products and services in accordance with management instructions.
• Cross-sell lending and other Credit Union products and services.
• Assist branch operations staff as needed.
• All other duties as assigned or requested by Loan Manager.
• Process DMV Documentation.
• Scanning documents relating to lending.
• Attend at least one marketing-related event for the calendar year.

Qualifications:
To perform this job successfully, an individual must be able to perform each essential job function satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Knowledge, Skills and Abilities:
• High school degree or equivalent.
• At least 6 months of similar or related experience.
• Requires a well-rounded knowledge of Credit Union loan operations and transactions as would normally be obtained by three or more years experience in a responsible lending position in a related financial institution.
• Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations. Ability to write reports, business correspondence, and procedure manuals. Ability to effectively present information and respond to questions from groups of management, members, vendors, and the general public.
• Demonstrated ability to provide meticulous attention to detail, and concern for accuracy and consistency in results.
• Effective listening, communication (verbal and written), organization, and decision-making skills.
• Ability to work independently or within a team to accomplish goals and objectives.
• Must be bondable. May be required to qualify as a notary public.
• Must comply with all Bank Secrecy Act (BSA) and other Anti-Money Laundering (AML) Laws and Regulations, as they pertain to federal guidelines and internal policies and procedures.

Essential Physical Demands on the Job:
The physical demands described here are representative of those an employee may encounter while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

1. LIFTING …………………………………Lift up to 30 pounds.
2. CLIMBING/BALANCE………………Steps or stair climbing, balancing required.
3. STOOPING/BENDING OVER…..Occasional is unavoidable.
4. STANDING/SITTING………………Choice of standing, leaning or sitting while working.
5. REACHING……………………………..Occasional overhead as well as horizontal.
6. HEARING ………………………………Hearing required to service members.
7. SPEAKING………………………………Cultural/regional accents acceptable.
8. VISION ……………………………………Corrected vision 20/20.
9. COLOR VISION ……………………….No particular color vision requirement.

Essential Environmental Demands on the Job:
The environmental demands described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

1. INSIDE/OUTSIDE…………………….Inside environment only.
2. COLD/HEAT …………………………….General air conditioned environment.
3. WET/DRY ………………………………..Not unusual moist/dry environment.
4. NOISE/VIBRATIONS ………………..Light background noise.
5. HAZARDS ……………………………….Non-hazardous environment.
6. FUMES/DUST/ODORS ……………..Normally controlled environment.


Branch Operations Lead (Floater)

Status: Non-Exempt

Location: Cerritos

Reports To: Branch Manager/Operations Dept.

Salary: $23.67 – $35.51

Job Summary:
The Branch Operations Lead will serve as a liaison between the member and the Credit Union; provide account information by phone or in-person, as well as information on the full range of products and services; has the ability to identify and cross-sell multiple products and services, as deem necessary by management. Regular travel between POPA FCU branches may be required to fill staffing needs; open accounts for members, interview, and professionally handle the members’ daily needs; provide a variety of transaction services to members including loan processing, closing, and disbursal. The Branch Operations Lead assists the Branch Manager to manage daily branch operations, implement internal controls, procedures and policies.

Essential Job Functions:
• Project a professional and positive image of the Credit Union at all times.
• Perform all MSR I & MSR II duties.
• Sells and orders cash for the branch in accordance with Credit Union policies and procedures. Balances and replenishes cash for vault, ATM, cash recycler.
• Maintain confidentiality of Credit Union member and employee records during and after employment with POPA FCU.
• Open and/or close branch according to security procedures. Perform all other required operational and procedural duties.
• Assists in managing the security and safety of the branch by analyzing security and safety policies and procedures.
• Respond to external and internal inquiries, requests, and problems/complaints by resolving the issues directly and/or directing them to the appropriate person for specific information and assistance.
• Process member transactions efficiently, accurately, and in a timely manner including opening consumer loan applications, funding loans and completing all (required) related documentation. Responsible for the quality and accuracy of all worked performed.
• Perform various account file maintenances (e.g. account data changes, check orders, card orders, etc.)
• Assist and educate members on accounts, electronic services, and loan products.
• Proficient in legal aspects of account management (e.g. Trust, Power of Attorney, etc.)
• Process and distribute incoming mail to appropriate departments.
• Promote Credit Union products and services based on members’ needs that are obtained from member interviews and/or review of member’s account; assists the branch in achieving branch goals by cross-selling and referrals, both personally and by training MSR staff.
• Maintain current knowledge of Credit Union’s products, services, marketing promotions, and procedural/regulatory changes which affect branch operations.
• Travel to other POPA FCU branches as required, to fill staffing needs at all branch locations. Must have a valid driver’s license and own reliable mode of transportation.
• Service and balance ATM and coin machine (as applicable).
• Research complex member situations to resolve issues involving accounts, services, fees, loan servicing, etc.
• Ensures all branch transactions are balanced at the close of each day. Assist in locating and resolving branch outages.
• Assess and assist MSR I and MSR II with (complex) issues prior to granting overrides.
• Ensure seamless branch operations in the absence of Branch Manager.
• Assist and support the Branch Manager with various administrative functions.
• Assist in training and directing staff to accomplish branch goals.
• Interview loan applicants; obtain all necessary documentation to make loan decisions for pre-approvals (Signature, Auto, Credit Card), PAL, SHIELD..
• Comply with all applicable laws, regulations and Credit Union policies and procedures, and ensure compliance with all governing regulations, including but not limited to: Bank Secrecy Act (BSA), Anti-Money Laundering (AML), Office of Foreign Assets Control (OFAC), Customer Identification Program (CIP), Truth-in-Savings and Fair Credit Lending Practices.
• Provide feedback for MSR performance evaluation and/or disciplinary process.
• Responsible for smooth flow of branch traffic and adequate coverage to provide quality member services.
• Must be an actively registered Mortgage Loan Originator with the NMLS.
• Ensures compliance with all applicable laws, regulations, and Credit Union policies and procedures. Conducts branch audits, monthly cash counts, cash shipments, etc.
• Directs daily branch operations activities in a manner that provides quality service to members and potential members. May delegate portion of responsibilities when necessary but, may not delegate overall responsibility or any portion of accountability for results.
• All other duties as assigned or requested by Branch Manager.

Qualifications:
To perform this job successfully, an individual must be able to perform each essential job function satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Knowledge, Skills and Abilities:
• High School degree or equivalent.
• Requires a well-rounded knowledge of Credit Union and transactions.
• Ability to read, analyze, and interpret procedures, or governmental regulations. Ability to write reports, business correspondence and procedural manuals. Ability to effectively present information and respond to questions from management, members, vendors and the general public.
• Demonstrated computer proficiency within a Windows environment. Must be able to routinely perform work on a computer for an average of 6-8 hours per day.
• Effective listening, communication (verbal and written), organization and decision- making skills.
• Demonstrated ability to provide meticulous attention to detail and concern for accuracy and consistency in results.
• Ability to work independently or within a team to accomplish goals and objectives.
• Availability for any branch assignment is required. Must be able to work extended hours whenever required or requested by management.
• Previous consumer lending experience is highly desirable.
• Minimum of 3 years member services experience in a Credit Union or, financial institution is highly desirable.
• Previous leadership experience preferred.
• Must be bondable. May be required to qualify as a notary public.
• Must be able to effectively handle multiple, simultaneous, and changing priorities.
• Must be able to operate routine branch equipment including telephone, copier, facsimile, cash recycler, coin machine and ATM.
• Must be capable of regular, reliable and timely attendance.
• Must comply with all Bank Secrecy Act (BSA) and other Anti-Money Laundering (AML) Laws and Regulations, as they pertain to federal guidelines and internal policies and procedures.

Essential Physical Demands on the Job:
The physical demands described here are representative of those an employee may encounter while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

1. LIFTING Lift up to 30 pounds.
2. CLIMBING/BALANCE. Steps or stair climbing, balancing required.
3. STOOPING/BENDING OVER Occasional is unavoidable.
4. STANDING/SITTING Choice of standing, leaning or sitting while working.
5. REACHING Occasional overhead as well as horizontal.
6. HEARING Hearing required to service members.
7. SPEAKING. Cultural/regional accents acceptable.
8. VISION Corrected vision 20/20.
9. COLOR VISION No particular color vision requirement.

Essential Environmental Demands on the Job:
The environmental demands described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

1. INSIDE/OUTSIDE Inside environment only.
2. COLD/HEAT General air-conditioned environment.
3. WET/DRY Not unusual moist/dry environment.
4. NOISE/VIBRATIONS Light background noise.
5. HAZARDS Non-hazardous environment.
6. FUMES/DUST/ODORS Normally controlled environment.