Job Description

Come join our growing credit union. We are people helping people. Our culture is collaborative and fosters community service and employee growth.  

PURPOSE:  The primary purpose of this position is to assist Atlanta Postal Credit Union to live out our Mission, “To help our members achieve financial success by providing exceptional products and service.”  

You will receive in-bound calls and have an opportunity to achieve uncapped earnings!

You will be highly motivated, positive, outgoing, have an 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 with APCU.  You will consistently demonstrate the ability to think independently, outside the box, by effectively responding to each individual member’s unique situation.

You will demonstrate an unsurpassed commitment to exceptional member service and teamwork that ensures a great member experience with each encounter.  You must be able to clearly and effectively communicate with members and all levels of staff in oral and written form and proficient with applicable technology.

DUTIES AND RESPONSIBILITIES:

1. Deliver outstanding service to both internal and external members that is in alignment with our Service Promises
2. Originate loan applications through various channels (phone, internet and in-branch members).
3. Discuss loan application and decision with potential borrowers.
4. Cross-sell ancillary products (GAP, Warranty and Debt Protection with each application)
5. Capture loan opportunities from other financial institutions through loan interview or those identified on the credit report.
6. Comply with all aspects of BSA/AML and OFAC regulations as they relate to this position.
7. Other duties as assigned.

JOB CAPABILITIES:

• SALES SUCCESS – Uses strong interpersonal skills and influence to consistently achieve sales goals. Displays confidence in presenting appropriate solutions to fit members’ needs.  Maximizes opportunities to sell APCU products and services to benefit member and enhance quality and depth of member relationship and profitability.
• RESULTS ORIENTATION – Is keenly aware of personal, team, departmental and companywide 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.
• MEMBER SERVICE – Demonstrates an unsurpassed commitment to exceptional member service that ensures a great member 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 APCU’s role as a Trusted Advisor.
• INITIATIVE – 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.  Actively supports member education events and seminars.
• ACCOUNTABILITY – 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.
• EFFECTIVE COMMUNICATION – 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.
• TEAMWORK – 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.
• TECHNOLOGICALLY ASTUTE – Demonstrates the ability to use technology to effectively and efficiently perform job functions.
• LEARNING ORIENTATION – Actively participates in and completes all ongoing required loan and sales training. Willingly adapts to changes in work environment.  Participates in self-development programs.
•  LENDING PRODUCT KNOWLEDGE - 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, applicable Federal regulations, Warranty coverage, Guaranteed Asset Protection (GAP), Debt Protection, loan and deposit rates, lending policies and procedures and our automated underwriting process.

DESIRED QUALIFICATIONS:

1. Excellent sales, interpersonal, oral and written communication skills required
2. High School Diploma or GED required, some college preferred.
3. Prefer a minimum of two years consumer lending experience.
4. One year of experience in a sales environment preferred.
5. Must be thoroughly knowledgeable of APCU’s consumer lending policies and procedures, products and services, laws and regulations.

POTENTIAL STARTING (HOURLY) PAY RANGE: $34,000 + incentive opportunities for performance

PHYSICAL JOB REQUIREMENTS:

Must be physically able to operate a variety of automated office machines such as calculator, typewriter, computer, printer, facsimile, telephone, copier, etc. Must be able to stand, bend and stoop as needed.  Must be able to lift and/or carry weights up to 20 pounds. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions

The requirements for the position listed are general and are not all inclusive.  If you have any questions concerning this position, please contact Human Resources.

A credit report will be generated and reviewed for all applicants.

Company Description

History of Atlanta Postal Credit Union (APCU): Atlanta Postal Credit Union, chartered in 1925, is Georgia's oldest credit union. APCU is among the largest credit unions in the nation. In 2020 APCU welcomed it's new division Center Parc Credit Union. Our founders, whose primary goal was to provide affordable financial services to fellow employees and their families, founded APCU. Like thousands of other credit unions around the world, APCU is a member-owned, not-for-profit financial cooperative, founded on the premise that working people need a safe and sound place to save and borrow money. Our guiding principles are unique: only people who are credit union members can borrow here, loans should be for prudent and productive purposes, and a person's character and desire to repay a loan are considered as important as a person's income. From an initial investment of $2,505 in 1925, APCU's assets have grown to over $2 billion and membership is now in excess of 100,000 members. Members nationwide enjoy a full complement of financial products and services designed to save them money. APCU brings members together to improve their way of life. Quite simply, we are people helping people.