BASIC FUNCTION

Demonstrates a highly motivated, positive, out- going, influential personality with a strong emphasis on sales and results orientation to ensure the credit union maximizes lending and sales opportunities with members who apply for credit over the phone. Consistently demonstrates the ability to think independently, outside the box, by effectively responding to each individual member’s unique situation; not stuck in a mass production box.

MAJOR ACTIVITIES

1) Commands a thorough knowledge of the lending process from application to closing to ensure maximum funding rates. Demonstrates an unsurpassed commitment to exceptional member service and teamwork that ensures an experience with each encounter. Is fully knowledgeable of all credit union products and services and is able to confidently offer appropriate solutions to fit member need. Is able to clearly and effectively communicate with members and all levels of staff in oral and written form and is proficient with applicable technology.

2) Uses strong interpersonal skills and influence to consistently achieve sales goals. Overcomes objections with persuasion and persistence. Displays confidence in presenting appropriate solutions to fit members’ needs. Maximizes opportunities to sell WEOKIE products and services to benefit member and enhance quality and depth of member relationship and profitability.

3) Is keenly aware of personal, team, departmental and company-wide goals and is able to prioritize work to achieve funding goals. Demonstrates the ability to excel in a high stress environment and is able to meet goals and deadlines. Demonstrates persistence and overcomes obstacles to maintain above average closing ratios.

4) Demonstrates an unsurpassed commitment to exceptional member service that ensures an experience with each encounter. Views situations from the member’s perspective to effectively respond to their needs and concerns; often going beyond the initial need or expressed concern of the member. Follows up to make sure the member’s expectations have been met or exceeded. Explains recommendations, products and services in ways members can easily understand. Demonstrates patience, respect and empathy when dealing with difficult members or their complaints. Personifies WEOKIE’S role as a Trusted Advisor.

5) A motivated self-starter who measures self against standards of excellence. Actively and consistently seeks qualified opportunities to increase loan volume and residual product penetration. Takes calculated risks to accomplish goals. Actively supports member education events and seminar.

6) Demonstrates responsibility for providing timely and accurate information, responses and decisions to internal and external members. Accurately and efficiently performs transactions and member requests. Willingly accepts and embraces constructive coaching and feedback as needed. Assesses own strengths and weaknesses. Schedules time off in advance and avoids unscheduled absences.

7) Persuasive and confident. Uses clear and simple language to communicate information and decisions to internal and external members. Explains recommendations, products and services in ways members can easily understand. Demonstrates sensitivity to cultural and gender differences.

8) Builds rapport with fellow teammates and credit union staff. Demonstrates genuine concern for others and shares personal expertise with peers. Displays flexibility regarding scheduling. Fosters a spirit of cooperation to ensure the success of the team.

9) Demonstrates the ability to use technology to effectively and efficiently perform job functions. Has good working knowledge of the following applications: MS Outlook, MS Excel, MS Word, DNA. Meridian Link.

10) Actively participates in and completes all ongoing required loan and sales training. Willingly adapts to changes in work environment.

QUALIFICATIONS

A. Specialized or Technical Knowledge and Skills:

1) High School Diploma or GED required. Some college preferred.

2) Is fully familiar with and able to clearly communicate with internal and external members about: Underwriting philosophies, lending decisions (approved, denied or conditioned), approval stipulations, loan products and services, credit bureau reports and scores, credit histories, Guaranteed Asset Protection (GAP), Credit Life and Disability insurance, loan and deposit rates, lending policies and procedures and our automated underwriting process.

3) Ability to type 50 words per minute. Experience utilizing the following software applications preferred: Microsoft Outlook, Microsoft Internet Explorer, Microsoft Excel, Microsoft Word, DNA, Meridian Link.

4) Ability to solve practical problems and deal with a variety of concrete variables in situations where guidelines are available but extensive individual evaluation is required. Ability to interpret a variety of instructions furnished in written form, including but not limited to loan policy, procedural manuals, and compliance with appropriate regulations.

5) Prefer minimum of one year consumer lending experience. One year of experience in a sales environment preferred.

6) Must be thoroughly knowledgeable of WEOKIE'S consumer lending policies and procedures, products and services, laws and regulations.

B. Behavioral Competencies: Behavioral competencies are the skills and personal characteristics that an individual should possess in order to be successful in this position.

1) Core Competencies: Core competencies are consistent for all positions across the organization and are aligned with WEOKIE’s core values.

a) Member Focus (internal and external): Builds member confidence, is committed to increasing member satisfaction, sets achievable member expectations, assumes responsibility for solving member problems, ensures commitments to members are met, solicits opinions and ideas from members, responds to internal members.

b) Dependability: Meets commitments, works independently, accepts accountability, handles change, sets personal standards, stays focused under pressure, and meets attendance/punctuality requirements.

c) Integrity/Ethics: Deals with others in a straightforward and honest manner, is accountable for actions, maintains confidentiality, supports company values, conveys good news and bad.

2) Job Specific Competencies: The position requires a well-rounded and level-headed individual who is able to maintain composure in a variety of situations. The following stand out among a long list of behavioral competencies for this position:

a) Productivity: Manages a fair workload, volunteers for additional work, prioritizes tasks, develops good work procedures, manages time well, handles information flow.

b) Quality: Is attentive to detail and accuracy, is committed to excellence, looks for improvements continuously, monitors quality levels, finds root cause of quality problems, owns/acts on quality problems.

c) Interpersonal Skills: Has good listening skills, builds strong relationships, is flexible/open-minded, negotiates effectively, solicits performance feedback and handles constructive criticism.

d) Job Knowledge: Understands duties and responsibilities, has necessary job knowledge, has necessary technical skills, understands company mission/values, keeps job knowledge current, is in command of critical issues.

C. Physical Demands: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is frequently required to stand; walk; sit and talk or hear. The employee must occasionally lift and/or move up to 10 pounds.

D. Work Environment: The work environment characteristics 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. The worker is not substantially exposed to adverse environmental conditions. The noise level in the work environment is usually moderate.

EQUAL EMPLOYMENT OPPORTUNITY/AFFIRMATIVE ACTION EMPLOYER

WEOKIE does not and shall not discriminate on the basis of race, color, religion (creed), gender, gender expression, age, national origin (ancestry), disability, marital status, sexual orientation, or military status, in any of its activities or operations. These activities include, but are not limited to, hiring of staff, selection of volunteers and vendors, and provision of services. We are committed to providing an inclusive and welcoming environment for all our members, our staff, clients, volunteers, subcontractors, vendors, and clients.