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Careers

Careers

Join the Pearl Hawaii Team

Who pays you to take the day off on your birthday!? We do! At Pearl Hawaii Federal Credit Union, we value each employee. Without stellar people like you, we wouldn’t be in business. Interested in becoming a part of our team? Applying just might be your next best move.

Member Services Specialist

Location: Waipio

PRIMARY PURPOSE | Provides members with courteous, efficient, and accurate service in depositing funds, withdrawing funds, opening and cross-selling new share accounts, certificate accounts, and other new services. And provides members with courteous, accurate, and efficient loan service, which includes providing loan information, interviewing, and accepting loan applications in accordance with loan policies. Ensuring that each loan application is handled properly and in a timely manner.

View Full description

ESSENTIAL DUTIES AND FUNCTIONS

TELLERING/NEW ACCOUNTS

  • Performs all duties exceptionally, safely, and efficiently.
  • Receives cash and checks for payments or deposits.
  • Issues checks or cash for withdrawals.
  • Processes transfers between accounts.
  • Issues money orders and movie tickets. Also maintains logs and adheres to inventory and control procedures.
  • Cross-sells savings and loan services to existing and new members.
  • Provides routine information on credit union products and services, policies, and member accounts in person, by phone, or by mail.
  • Balances cash and checks to computer totals on a daily basis and prepares bank deposits.
  • Opens new Savings, Checking, IRA, Trust, and Savings Certificate Accounts as well as provides information and disclosures relating to these services. (Note: Savings would refer to Regular, Christmas, Jumbo, and Momi Accounts).
  • Processes applications for plastic cards and the Member Telephone Service.
  • Processes deposits, withdrawal requests, loan payments, and loan close-outs received via mail.
  • Provides members with payroll allotment forms.
  • Maintains appropriate department records and files.
  • Assists in balancing daily work.
  • Assists in auditing of cash machines and other instruments with their immediate manager.
  • Performs Shared Branching Transactions (HICUSO & CO-OP).
  • Order supplies for the department as needed from the HR Director.
Waipio and Airport Member Services Specialist ONLY:
  • Removes and replenishes coin machine bags and prepares coin machine bags for deposit processing.
  •  Processes coin machine transactions.
Waipio Member Services Specialist ONLY:
  • Processes the opening and closing of Safe Deposit Boxes.
  • Processes ATM deposits or payments.
  • Assume the duties of the Receptionist in his/her absence.

CONSUMER LENDING

  • Interview and obtain information from loan applicants to be able to process loan requests made by members for all types of loans offered excluding mortgage applications.
  • Verifies loan application information to ensure that all essential information to make a decision has been noted.
  • Assures all loan applications are completed in accordance with applicable federal and state laws and regulations.
  • Inputs loan application information into the computer terminal for processing.

OTHER DUTIES AND FUNCTIONS

  • Conducts every aspect of this position, involving interpersonal relations, in line with the concept that all personnel, staff, shareholders, and visitors are afforded full and equal treatment in all matters without regard to race, creed, color, sex, sexual orientation, age, national origin, lawful political affiliation, physical handicap or marital status.
  • Periodically serves on various credit union committees (i.e. Safety, Social Events, ect.)
  • Performs such other duties and responsibilities as may be prescribed by the VP Loans or President/CEO.
  • Pursues a program of:
    • Self-Development.
    • Utilizing such training and education as may be required by the credit union:
      • in connection with this position;
      • for career
  • Ensures a secure, neat, clean, and safe work area.

WORKING CONDITIONS

Equipment Used

  • Personal computer
  • 10-key calculator
  • Telephone
  • Typewriter
  • Fax Machine
  • Copy Machine
  • Document Scanner
  • Microfilm/Microfiche Reader/Printer
  • Coin Counting/Sorting Machine
  • Bill Counting/Sorting and Dispensing Machines
  • Remote teller workstation equipment
 

Work Hours

  • Hours are to be determined depending on the branch
  • Monday through Friday, 7:45 AM to 6:30 PM
  • Saturday, 7:45 AM – 4:30 PM
  • Overtime may be required.
  • Workdays, hours, or branch locations may vary according to the operational needs of the credit union.
 

MENTAL DEMANDS

  • Requires the application of sound decision-making principles, logical thinking, and good judgment.
  • Requires alertness, concentration, and attention to
  • Requires the use of good judgment when dealing with difficult or uncomfortable situations.
 

COMMUNICATION DEMANDS   

Ability to communicate clearly both orally and in writing with members, peers, and staff members.  

PHYSICAL DEMANDS

  • Requires sitting at a workstation for periods of up to 4 hours (without a break).
  • Requires the ability to understand and complete instructions.
  • Requires data entry/keypunching and mouse skills to complete daily work.
  • Ability to view and correctly interpret numbers, text, and images on a computer.
  • Requires the use of various office equipment to perform duties.
  • Requires verifying documents for accuracy.
  • Requires working beyond the 8-hour day.
  • Requires lifting and carrying up to 40 pounds.
  • Requires receiving and dispersing verified amounts of cash and negotiable instruments according to accepted procedures.
 

QUALIFICATION REQUIREMENTS

 Skills/Knowledge

  • Ability to learn and apply learned skills.
  • Ability to work with all types of people.
  • Ability to use a computer keyboard.
  • Ability to type 40 WPM.
  • Ability to operate a 10 key calculator.
  • Knowledge of basic math.
  • Ability to work cooperatively with members, co-workers, and management.
  • Must be bondable.

Education/Training

  • High school graduate or GED equivalent

Experience

  • One year of experience working in a financial institution is preferred.

Training

  • Must be willing to attend/participate in any training necessary to learn/update skills or knowledge required for the position.

Loan Underwriter

Location: Waipio

PRIMARY PURPOSE | Underwrites and processes consumer and mortgage loan applications through multiple channels in accordance with loan policies. Communicates loan decisions, cross-sells, prepare loan documents and disbursement of loan proceeds, and ensures that each loan is handled properly and in a timely manner.

View Full description

ESSENTIAL DUTIES AND FUNCTIONS

  • Underwrites in-branch applications, online loans, and over-the-phone loan applications.
  • Originates and underwrites loans using online, phone, or other channels.
  • Processes documents and disbursement of loan proceeds for loans originated and submitted to the centralized underwriting queue.
  • Underwrites indirect vehicle loan requests and assists with follow-up cross-sell opportunities.
  • Involved in underwriting and processing of mortgage loan applications.
  • Provides assistance to the Vice President Loans as needed.

OTHER DUTIES AND FUNCTIONS

  • Conducts every aspect of this position, involving interpersonal relations, in line with the concept that all personnel, staff, shareholders, and visitors are afforded full and equal treatment in all matters without regard to race, creed, color, sex, sexual orientation, age, national origin, lawful political affiliation, physical handicap or marital status.
  • Periodically serves on various credit union committees (i.e. Safety, Social Events, ect.)
  • Performs such other duties and responsibilities as may be prescribed by the VP Loans or President/CEO.
  • Pursues a program of:
    •  Self
    • Utilizing such training and education as may be required by the credit union:
      • in connection with this position;
      • for career
  • Ensures a secure, neat, clean, and safe work area.

WORKING CONDITIONS

Equipment Used

  • Personal computer
  • 10-key calculator
  • Telephone
  • Typewriter
  • Fax Machine
  • Copy Machine
  • Document Scanner
  • Printer
 

Work Hours

Hours are to be determined depending on numerous factors, including but not limited to: * Volume of Work
  • Monday - Friday, 7:45 AM to 6:30 PM
  • Saturday, 7:45 AM – 4:30 PM
  • Overtime may be required
  • Workdays or hours may vary according to the operational needs of the credit union
 

MENTAL DEMANDS

  • Requires the application of sound decision-making principles, logical thinking, and good judgment.
  • Requires alertness, concentration, and attention to
  • Requires the ability to handle deadline-related
  • Requires the use of good judgment when dealing with difficult or uncomfortable situations.
  • Must be able to perform under pressure and prioritize duties as needed.
  • Needs to be motivated.
 

COMMUNICATION DEMANDS   

Ability to communicate clearly both orally and in writing with members, peers, and staff members.  

PHYSICAL DEMANDS

  • Requires sitting at a workstation for periods of up to 4 hours (without a break).
  • Requires the ability to understand and complete instructions.
  • Requires data entry/keypunching and mouse skills to complete daily work.
  • Ability to view and correctly interpret numbers, text, and images on a computer.
  • Requires the use of various office equipment to perform duties.
  • Requires verifying documents for accuracy.
  • Requires working beyond the 8-hour day.
  • Requires lifting and carrying up to 40 pounds.
 

QUALIFICATION REQUIREMENTS

 Skills/Knowledge

  • Ability to learn and apply learned skills.
  • Ability to work with all types of people.
  • Ability to use a computer keyboard.
  • Ability to type 40 WPM.
  • Ability to operate a 10 key calculator.
  • Knowledge of basic math.
  • Ability to work cooperatively with members, co-workers and management.
  • Must be bondable.
  • Must obtain NMLS License.

Education/Training

  • High school graduate or GED equivalent

Experience

  • Two years experience working in a financial institution with a minimum of one year in a loan related capacity

Training

  • Must be willing to attend/participate in any training necessary to learn/update skills or knowledge required for the

Call Center Specialist

Location: Waipio

PRIMARY PURPOSE | Provide professional, accurate, courteous, and prompt service to all members via telephone concerning information about the credit union and its services.

View Full description

ESSENTIAL DUTIES AND FUNCTIONS

  1. Perform member account transactions by phone.
  2. Maintain accurate, neat, and accountable records of all transactions and communications performed throughout the day; i.e. loan files, daily work, worksheets, etc. (database of inquiries/phone system log).
  3. Responsible for identifying members’ needs and recommending additional financial services.
  4. Responsible for actively promoting marketing efforts. Help evaluate the effectiveness and quality of delivery of services and make recommendations.
  5. Answer all incoming call center phone calls.
  6. Responsible for understanding all account ownership structures including but not limited to Saving, Checking, Christmas, Jumbo, POD, IRA, Certificates, Living Trust, UTTMA, Deceased (issue of ownership of funds), individual, join and business accounts.
  7. Process all loan request applications, credit reports, recaps, and update information on the loan application feature.
  8. Understand, explain and when required, execute transactions regarding the following:
 

Member Savings/Checking Account Information

  • Existing member loan information
  • Debit and ATM Cards
  • Checking/Share Draft accounts
  • Savings Programs
  • Savings Rate Sheet
  • PHFCU Fee Schedule
  • Dormant Account Policy
  • Regulation CC Policy
  • Money Orders, Travelers Checks and Bonds
  • Share Account Transfers
  • Member eligibility
 

Member Loan Information

  •  New loan applications
  • Credit Union loan policy, governmental regulation, Truth-in-Lending, and Truth-in-Savings
  • Credit Bureau Reports
  • Loan Rate Sheet
  • NADA/MSRP
  • Loan payment options, interest charges, deposit account, payoffs.
  • Loan Insurance Programs
  • Personalized Pricing
 

9.  Determine Loan Officer/Member Service Specialist loan assignment by:

a. Adverse action on Credit Bureau

b. Exceeds debt ratio guidelines

c. Delinquent history on file

10. Attend regular staff, MSR, and other pertinent meetings as required by Management.

11. Responsible for follow-up on all member research requests.

OTHER DUTIES AND FUNCTIONS

  1. Conducts every aspect of this position, involving interpersonal relations, in line with the concept that all personnel, staff, shareholders, and visitors are afforded full and equal treatment in all matters without regard to race, creed, color, sex, sexual orientation, age, national origin, lawful political affiliation, physical handicap or marital status.
  2. Periodically serves on various Credit Union committees (i.e. Safety, Social Events, etc.)
  3. Performs such other duties and responsibilities as may be prescribed by the Electronic Services Manager, Executive Vice President, or President/CEO.
  4. Pursues a program of Self-development. Utilizing such training and education as may be required by the credit union: in connection with this position and for career development.
  5. Ensures a secure, neat, clean, and safe work area.
     

WORKING CONDITIONS

 

Equipment Used

  • Personal computer
  • 10-key calculator
  •  Telephone
  •  Typewriter
  •  Fax Machine
  •  Copy Machine
  •  Document Scanner
  •  Printer
  •  Microfiche/Microfilm Readers
     

Work Hours

  • Monday – Saturday, 8:00 am – 6:00 pm.
  • Overtime as required by Management.
  • Work hours and days are subject to change.
   

MENTAL DEMANDS

  • Requires the application of sound decision-making principles, logical thinking, and good judgment.
  • Requires alertness, concentration, and attention to detail.
  • Requires the use of good judgment when dealing with difficult or uncomfortable situations.
  • Requires basic mathematics skills.
  • Requires working well with members, co-workers, and management.
  • Requires the ability to recognize and identify possible problems and address these situations to co-workers and or management.
  • Have a good understanding of the word and excel programs and all PHFCU supported applications.
   

COMMUNICATION DEMANDS

  • Ability to communicate clearly both orally and in writing with members, peers, and managers.
   

PHYSICAL DEMANDS 

  • Requires sitting at a workstation and using a telephone for periods up to 4 hours (without a break) for up to a 10-hour workday.
  • Requires the ability to understand and complete instructions.
  • Requires data entry/keypunching and mouse skills to complete daily work.
  • Ability to view and correctly interpret numbers, text, and images on a computer screen.
  • Requires the use of various office equipment to perform duties.
  • Requires verifying documents for accuracy.
  • Requires working beyond the 8-hour day periodically.
  • Requires lifting and carrying up to 40 pounds.
 

QUALIFICATIONS

Skills/Knowledge

  • Ability to learn and apply learned skills.
  • Ability to work with all types of people.
  • Ability to use a computer keyboard.
  • Ability to type 40 WPM.
  • Ability to operate a 10 key calculator.
  •  Knowledge of basic math skills.
  • Ability to work cooperatively with members, co-workers, and management.
  • Must be bondable.

Education and Training

  • High School graduate or GED equivalent required.

Experience

  • One year of experience working in a financial institution is preferred.

Volunteer

Not Your Average Job

We love what dedicated employees bring to the table, so we do what we can to take good care of each one.

We believe going to work should translate into a better life all around. We know when you’re able to find balance, you have more to offer. That’s why we provide amazing benefits and some of the best pay on the island—what helps you helps us. Take a look at some of our favorite ways to treat our employees well.

View Benefits

Still not convinced?

If you’re not already keen to apply after reading all that, here’s another fun fact:

PHFCU was listed as one of the Best Places to Work by Hawaii Business Magazine in 2016, 2017, 2018, 2019 & 2020. Join our community to find out why.

 

 

 

 

 

 


Go for it!

We still need more help improving the world. If you’re awesome, please apply.

Pearl Hawaii Federal Credit Union is an Equal Opportunity Employer. That means we give you a chance regardless of race, color, religion, national origin, age, sex, marital status, sexual orientation, ancestry, citizenship, veteran status, disability, arrest, or court orders. If you are legally authorized to work in the United States, we will hear you out.

 

 

 

Member Services Specialist

Location: Waipio

PRIMARY PURPOSE | Provides members with courteous, efficient, and accurate service in depositing funds, withdrawing funds, opening and cross-selling new share accounts, certificate accounts, and other new services. And provides members with courteous, accurate, and efficient loan service, which includes providing loan information, interviewing, and accepting loan applications in accordance with loan policies. Ensuring that each loan application is handled properly and in a timely manner.

View Full description

ESSENTIAL DUTIES AND FUNCTIONS

TELLERING/NEW ACCOUNTS

  • Performs all duties exceptionally, safely, and efficiently.
  • Receives cash and checks for payments or deposits.
  • Issues checks or cash for withdrawals.
  • Processes transfers between accounts.
  • Issues money orders and movie tickets. Also maintains logs and adheres to inventory and control procedures.
  • Cross-sells savings and loan services to existing and new members.
  • Provides routine information on credit union products and services, policies, and member accounts in person, by phone, or by mail.
  • Balances cash and checks to computer totals on a daily basis and prepares bank deposits.
  • Opens new Savings, Checking, IRA, Trust, and Savings Certificate Accounts as well as provides information and disclosures relating to these services. (Note: Savings would refer to Regular, Christmas, Jumbo, and Momi Accounts).
  • Processes applications for plastic cards and the Member Telephone Service.
  • Processes deposits, withdrawal requests, loan payments, and loan close-outs received via mail.
  • Provides members with payroll allotment forms.
  • Maintains appropriate department records and files.
  • Assists in balancing daily work.
  • Assists in auditing of cash machines and other instruments with their immediate manager.
  • Performs Shared Branching Transactions (HICUSO & CO-OP).
  • Order supplies for the department as needed from the HR Director.
Waipio and Airport Member Services Specialist ONLY:
  • Removes and replenishes coin machine bags and prepares coin machine bags for deposit processing.
  •  Processes coin machine transactions.
Waipio Member Services Specialist ONLY:
  • Processes the opening and closing of Safe Deposit Boxes.
  • Processes ATM deposits or payments.
  • Assume the duties of the Receptionist in his/her absence.

CONSUMER LENDING

  • Interview and obtain information from loan applicants to be able to process loan requests made by members for all types of loans offered excluding mortgage applications.
  • Verifies loan application information to ensure that all essential information to make a decision has been noted.
  • Assures all loan applications are completed in accordance with applicable federal and state laws and regulations.
  • Inputs loan application information into the computer terminal for processing.

OTHER DUTIES AND FUNCTIONS

  • Conducts every aspect of this position, involving interpersonal relations, in line with the concept that all personnel, staff, shareholders, and visitors are afforded full and equal treatment in all matters without regard to race, creed, color, sex, sexual orientation, age, national origin, lawful political affiliation, physical handicap or marital status.
  • Periodically serves on various credit union committees (i.e. Safety, Social Events, ect.)
  • Performs such other duties and responsibilities as may be prescribed by the VP Loans or President/CEO.
  • Pursues a program of:
    • Self-Development.
    • Utilizing such training and education as may be required by the credit union:
      • in connection with this position;
      • for career
  • Ensures a secure, neat, clean, and safe work area.

WORKING CONDITIONS

Equipment Used

  • Personal computer
  • 10-key calculator
  • Telephone
  • Typewriter
  • Fax Machine
  • Copy Machine
  • Document Scanner
  • Microfilm/Microfiche Reader/Printer
  • Coin Counting/Sorting Machine
  • Bill Counting/Sorting and Dispensing Machines
  • Remote teller workstation equipment
 

Work Hours

  • Hours are to be determined depending on the branch
  • Monday through Friday, 7:45 AM to 6:30 PM
  • Saturday, 7:45 AM – 4:30 PM
  • Overtime may be required.
  • Workdays, hours, or branch locations may vary according to the operational needs of the credit union.
 

MENTAL DEMANDS

  • Requires the application of sound decision-making principles, logical thinking, and good judgment.
  • Requires alertness, concentration, and attention to
  • Requires the use of good judgment when dealing with difficult or uncomfortable situations.
 

COMMUNICATION DEMANDS   

Ability to communicate clearly both orally and in writing with members, peers, and staff members.  

PHYSICAL DEMANDS

  • Requires sitting at a workstation for periods of up to 4 hours (without a break).
  • Requires the ability to understand and complete instructions.
  • Requires data entry/keypunching and mouse skills to complete daily work.
  • Ability to view and correctly interpret numbers, text, and images on a computer.
  • Requires the use of various office equipment to perform duties.
  • Requires verifying documents for accuracy.
  • Requires working beyond the 8-hour day.
  • Requires lifting and carrying up to 40 pounds.
  • Requires receiving and dispersing verified amounts of cash and negotiable instruments according to accepted procedures.
 

QUALIFICATION REQUIREMENTS

 Skills/Knowledge

  • Ability to learn and apply learned skills.
  • Ability to work with all types of people.
  • Ability to use a computer keyboard.
  • Ability to type 40 WPM.
  • Ability to operate a 10 key calculator.
  • Knowledge of basic math.
  • Ability to work cooperatively with members, co-workers, and management.
  • Must be bondable.

Education/Training

  • High school graduate or GED equivalent

Experience

  • One year of experience working in a financial institution is preferred.

Training

  • Must be willing to attend/participate in any training necessary to learn/update skills or knowledge required for the position.

Loan Underwriter

Location: Waipio

PRIMARY PURPOSE | Underwrites and processes consumer and mortgage loan applications through multiple channels in accordance with loan policies. Communicates loan decisions, cross-sells, prepare loan documents and disbursement of loan proceeds, and ensures that each loan is handled properly and in a timely manner.

View Full description

ESSENTIAL DUTIES AND FUNCTIONS

  • Underwrites in-branch applications, online loans, and over-the-phone loan applications.
  • Originates and underwrites loans using online, phone, or other channels.
  • Processes documents and disbursement of loan proceeds for loans originated and submitted to the centralized underwriting queue.
  • Underwrites indirect vehicle loan requests and assists with follow-up cross-sell opportunities.
  • Involved in underwriting and processing of mortgage loan applications.
  • Provides assistance to the Vice President Loans as needed.

OTHER DUTIES AND FUNCTIONS

  • Conducts every aspect of this position, involving interpersonal relations, in line with the concept that all personnel, staff, shareholders, and visitors are afforded full and equal treatment in all matters without regard to race, creed, color, sex, sexual orientation, age, national origin, lawful political affiliation, physical handicap or marital status.
  • Periodically serves on various credit union committees (i.e. Safety, Social Events, ect.)
  • Performs such other duties and responsibilities as may be prescribed by the VP Loans or President/CEO.
  • Pursues a program of:
    •  Self
    • Utilizing such training and education as may be required by the credit union:
      • in connection with this position;
      • for career
  • Ensures a secure, neat, clean, and safe work area.

WORKING CONDITIONS

Equipment Used

  • Personal computer
  • 10-key calculator
  • Telephone
  • Typewriter
  • Fax Machine
  • Copy Machine
  • Document Scanner
  • Printer
 

Work Hours

Hours are to be determined depending on numerous factors, including but not limited to: * Volume of Work
  • Monday - Friday, 7:45 AM to 6:30 PM
  • Saturday, 7:45 AM – 4:30 PM
  • Overtime may be required
  • Workdays or hours may vary according to the operational needs of the credit union
 

MENTAL DEMANDS

  • Requires the application of sound decision-making principles, logical thinking, and good judgment.
  • Requires alertness, concentration, and attention to
  • Requires the ability to handle deadline-related
  • Requires the use of good judgment when dealing with difficult or uncomfortable situations.
  • Must be able to perform under pressure and prioritize duties as needed.
  • Needs to be motivated.
 

COMMUNICATION DEMANDS   

Ability to communicate clearly both orally and in writing with members, peers, and staff members.  

PHYSICAL DEMANDS

  • Requires sitting at a workstation for periods of up to 4 hours (without a break).
  • Requires the ability to understand and complete instructions.
  • Requires data entry/keypunching and mouse skills to complete daily work.
  • Ability to view and correctly interpret numbers, text, and images on a computer.
  • Requires the use of various office equipment to perform duties.
  • Requires verifying documents for accuracy.
  • Requires working beyond the 8-hour day.
  • Requires lifting and carrying up to 40 pounds.
 

QUALIFICATION REQUIREMENTS

 Skills/Knowledge

  • Ability to learn and apply learned skills.
  • Ability to work with all types of people.
  • Ability to use a computer keyboard.
  • Ability to type 40 WPM.
  • Ability to operate a 10 key calculator.
  • Knowledge of basic math.
  • Ability to work cooperatively with members, co-workers and management.
  • Must be bondable.
  • Must obtain NMLS License.

Education/Training

  • High school graduate or GED equivalent

Experience

  • Two years experience working in a financial institution with a minimum of one year in a loan related capacity

Training

  • Must be willing to attend/participate in any training necessary to learn/update skills or knowledge required for the

Call Center Specialist

Location: Waipio

PRIMARY PURPOSE | Provide professional, accurate, courteous, and prompt service to all members via telephone concerning information about the credit union and its services.

View Full description

ESSENTIAL DUTIES AND FUNCTIONS

  1. Perform member account transactions by phone.
  2. Maintain accurate, neat, and accountable records of all transactions and communications performed throughout the day; i.e. loan files, daily work, worksheets, etc. (database of inquiries/phone system log).
  3. Responsible for identifying members’ needs and recommending additional financial services.
  4. Responsible for actively promoting marketing efforts. Help evaluate the effectiveness and quality of delivery of services and make recommendations.
  5. Answer all incoming call center phone calls.
  6. Responsible for understanding all account ownership structures including but not limited to Saving, Checking, Christmas, Jumbo, POD, IRA, Certificates, Living Trust, UTTMA, Deceased (issue of ownership of funds), individual, join and business accounts.
  7. Process all loan request applications, credit reports, recaps, and update information on the loan application feature.
  8. Understand, explain and when required, execute transactions regarding the following:
 

Member Savings/Checking Account Information

  • Existing member loan information
  • Debit and ATM Cards
  • Checking/Share Draft accounts
  • Savings Programs
  • Savings Rate Sheet
  • PHFCU Fee Schedule
  • Dormant Account Policy
  • Regulation CC Policy
  • Money Orders, Travelers Checks and Bonds
  • Share Account Transfers
  • Member eligibility
 

Member Loan Information

  •  New loan applications
  • Credit Union loan policy, governmental regulation, Truth-in-Lending, and Truth-in-Savings
  • Credit Bureau Reports
  • Loan Rate Sheet
  • NADA/MSRP
  • Loan payment options, interest charges, deposit account, payoffs.
  • Loan Insurance Programs
  • Personalized Pricing
 

9.  Determine Loan Officer/Member Service Specialist loan assignment by:

a. Adverse action on Credit Bureau

b. Exceeds debt ratio guidelines

c. Delinquent history on file

10. Attend regular staff, MSR, and other pertinent meetings as required by Management.

11. Responsible for follow-up on all member research requests.

OTHER DUTIES AND FUNCTIONS

  1. Conducts every aspect of this position, involving interpersonal relations, in line with the concept that all personnel, staff, shareholders, and visitors are afforded full and equal treatment in all matters without regard to race, creed, color, sex, sexual orientation, age, national origin, lawful political affiliation, physical handicap or marital status.
  2. Periodically serves on various Credit Union committees (i.e. Safety, Social Events, etc.)
  3. Performs such other duties and responsibilities as may be prescribed by the Electronic Services Manager, Executive Vice President, or President/CEO.
  4. Pursues a program of Self-development. Utilizing such training and education as may be required by the credit union: in connection with this position and for career development.
  5. Ensures a secure, neat, clean, and safe work area.
     

WORKING CONDITIONS

 

Equipment Used

  • Personal computer
  • 10-key calculator
  •  Telephone
  •  Typewriter
  •  Fax Machine
  •  Copy Machine
  •  Document Scanner
  •  Printer
  •  Microfiche/Microfilm Readers
     

Work Hours

  • Monday – Saturday, 8:00 am – 6:00 pm.
  • Overtime as required by Management.
  • Work hours and days are subject to change.
   

MENTAL DEMANDS

  • Requires the application of sound decision-making principles, logical thinking, and good judgment.
  • Requires alertness, concentration, and attention to detail.
  • Requires the use of good judgment when dealing with difficult or uncomfortable situations.
  • Requires basic mathematics skills.
  • Requires working well with members, co-workers, and management.
  • Requires the ability to recognize and identify possible problems and address these situations to co-workers and or management.
  • Have a good understanding of the word and excel programs and all PHFCU supported applications.
   

COMMUNICATION DEMANDS

  • Ability to communicate clearly both orally and in writing with members, peers, and managers.
   

PHYSICAL DEMANDS 

  • Requires sitting at a workstation and using a telephone for periods up to 4 hours (without a break) for up to a 10-hour workday.
  • Requires the ability to understand and complete instructions.
  • Requires data entry/keypunching and mouse skills to complete daily work.
  • Ability to view and correctly interpret numbers, text, and images on a computer screen.
  • Requires the use of various office equipment to perform duties.
  • Requires verifying documents for accuracy.
  • Requires working beyond the 8-hour day periodically.
  • Requires lifting and carrying up to 40 pounds.
 

QUALIFICATIONS

Skills/Knowledge

  • Ability to learn and apply learned skills.
  • Ability to work with all types of people.
  • Ability to use a computer keyboard.
  • Ability to type 40 WPM.
  • Ability to operate a 10 key calculator.
  •  Knowledge of basic math skills.
  • Ability to work cooperatively with members, co-workers, and management.
  • Must be bondable.

Education and Training

  • High School graduate or GED equivalent required.

Experience

  • One year of experience working in a financial institution is preferred.