Careers

Employment Opportunities with the York Educational FCU.

 

1) Position:  Loan Officer

Salary:  $20.00 to $24.00/hour (based on experience)

Hours:  8am to 5pm; no Saturday hours

Contact:  submit cover letter, salary requirements and resume to pmohn@yefcu.org

York Educational is looking for full-time energetic and service oriented individual to join their team.  We have competitive wages, medical/vision/dental insurance, 401K match and PTO.

Position Purpose: Provide information on credit union products and services to current and potential members according to all credit union policies and procedures and Federal and State rules and regulations.  Responsible for interviewing and evaluating applicants for routine loans and processing loan applications.  Gathering background information and analyze loan applicants’ credit history.  Prepare, analyze, process, and document all required forms and related documentation for consumer loan products.  Approve or deny a variety of consumer loan applications, with considerable loan authority.  Promote credit union products and services.

Job Responsibilities:

  • Gather background information on loan applicants by interviewing loan applicants and obtaining credit bureau reports.
  • Interview loan applicants and provide information on loan products and alternative products that best meet the member’s needs. Request and review all required information and documentation to secure a loan.
  • Pull credit reports for all accounts, verify debts, and estimate monthly payments for any outstanding debts not listed and add them to debts on application.
  • Calculate debt‐to‐income ratios on loan applicants.
  • Calculate how much of a loan applicant’s debt is secured or unsecured.
  • Complete loan applications over the phone and/or electronically.
  • Determine collateral needs and payment plans for members applying for loans.
  • Determine eligibility of loan co‐maker from co‐maker’s statement and credit rating.
  • Approve or deny loan applications.
  • Notify applicant of loan decision. Correspond with members, applicants, and creditors to resolve questions regarding application information.
  • When a loan is denied, explain reasons for denial in a professional, courteous manner. Work with member to provide recommendations or alternative options for other possible ways to secure a loan in the future.
  • Verify the accuracy of loan amounts and repayment terms on approved loan applications.
  • Complete loan documents and disburse loans when approved.
  • Assist with developing and maintaining interest-rate structure that is consistent with credit union policies and is competitive with current market.
  • Review developing laws and regulations as they apply to installment-loan security agreements.
  • Implement new loan products and services in accordance with management direction.
  • Manage delinquent account files for the credit union.
  • Handle loans of highest complexity, value, and risk.
  • File CUNA disability and life claims.
  • Train new consumer loan officers, and assist more junior consumer loan officers with questions, challenges, etc…
  • Cross‐sell lending and other credit union product.
  • Complete any other duties as assigned to meet the mission of the credit union.

 

 

2) Position:  Member Service Representative

Salary:  $14.00 to $18.75/hour (based on experience)

Hours:  8am to 5pm; no Saturday hours

Contact:  submit cover letter and resume to pmohn@yefcu.org

York Educational is looking for full-time energetic and service oriented individual to join their team.  We have competitive wages, medical/vision/dental insurance, 401K match and PTO.

Position Purpose:  Perform limited transactional duties to serve members by receiving or paying out funds with high degree of accuracy.  Maintain accurate transactional records, providing basic cash receipt and payment services in accordance with credit union policies and procedures.

Job Responsibilities:

  • Greet and welcome members to the credit union in a courteous, professional, and timely manner, providing prompt, accurate, and efficient member transactions.
  • Open new share accounts and certificates. Assist members in the completion of Individual Retirement Account and Share Certificate applications.
  • Process new account information including ordering checks, verifying eligibility, checking for appropriate signatures, filing cards, mailing welcome letters, etc. Type, laminate, and mail membership cards to members.  Print starter or temporary checks for members.  Assist members with ordering debit cards.
  • Assist member with closing accounts and obtaining a clear reason for closing the account.
  • Receive share drafts/checks and cash for deposit to accounts, verify amounts, examine share drafts/checks for proper endorsement, and enter deposits into computer records.
  • Cash share drafts/checks and process withdrawals; pay out money after verification of signatures and member balances.
  • Assist with mail or email transactions, when available.
  • Maintain an up‐to‐date comprehensive knowledge on all credit union products and services that are handled or promoted by tellers. Maintain an up‐to‐date and comprehensive knowledge on all related policies and procedures, rules, and regulations for the teller area, including robbery procedures.
  • Promote, explain, and cross‐sell other credit union services such as consumer and mortgage loans, IRAs, certificates, safe deposit boxes, debit and credit cards, on‐line banking, traveler’s checks, and money orders.
  • Receive mortgage, consumer loan, and other payments, and ensure the payments match balances due. Enter payments into computer. Generate member receipts.
  • Place hold on accounts for uncollected funds.
  • Count, check, and package coins and currency.
  • Balance cash drawer at the end of the shift and compare totaled amounts to computer‐ generated proof sheet. Research and resolve discrepancies. Report any discrepancies to the supervisor as necessary.
  • Ensure that the teller station is properly stocked with forms, supplies, brochures, etc.
  • Report malfunctions of teller computers and other equipment used at the teller station.
  • Check night depository bags and record proper information according to credit union procedures.
  • Ensure that all information and transactions regarding credit union members are kept confidential. Enforce strict adherence to established security procedures.
  • Complete any other duties as assigned to meet the mission of the credit union.