Join Our Team

ESSENTIAL DUTIES AND FUNCTIONS

• Responsible for developing, achieving, monitoring and coaching of branch specific goals as it relates to company strategic goals and initiatives.
• Provides direct supervision and leadership to employees and ensures that the day to day operations are run efficiently and with excellence.
• Provides appropriate direction and support to ensure branch personnel provide consistent delivery of superior member service to strengthen existing member relationships and develop new membership.
• Provide direction and leadership to employees to help assure that each is performing assigned duties and responsibilities in accordance with their respective position descriptions to include providing training, guidance, coaching and motivation to employees when necessary.
• Acts with authority to execute and oversee all aspects of applicable branch lending services including but not limited to the Loan Interview process, the creation and submission of loan applications, approval of all loans within established lending limits and referring those in excess of authority to the Management Committee.
• Plans, schedules and coordinates the flow of work and manpower in the branch to ensure effective service with the most efficient and economical use of personnel, facilities, equipment, supplies and systems. Authorizes temporary shifts of personnel when an employee shortage develops within the department.
• Prepares and conducts annual performance appraisals and ongoing coaching for all employees under his/her supervision in a timely manner; provides recommendations for promotions.
• Assures appropriate and adequate training and development of all department personnel as well as provide constant feedback in order for staff to be able to consistently ascertain their performance and service goals.
• Responsible for the safety of personnel and the proper housekeeping and maintenance of work area, desks, equipment, etc. in the Member Services Department.
• Provides appropriate level of policy and system exception (ex. overrides, fee reversals, check hold, etc.)
• Evaluates, interprets and enforces existing policies and procedures and recommends changes when necessary.
• Signs checks, drafts, and other instruments for disbursement within his/her authority; acts as custodian of branch cash, monetary instruments, valuable papers and other assets of the credit union’s Main Office.
• Requires receiving and dispersing verified amounts of cash and monetary instruments according to accepted procedures.
• Maintains appropriate department records of office supplies, equipment and furniture and reviews all request for such items as may be required.
• Ensures the proper maintenance of the credit union’s office premise and the existence of adequate security and safety measures.
• Coordinates with the Supervisory Committee, Examiners and Auditors and assures that needed information and materials regarding the Operations Department functions are available for their inspection.
• Completes all required branch audits as defined by Credit Union policy in a timely manner.
• Assists with the response to and/or distribution of mailed correspondence received by the branch.
• Implements PHFCU marketing promotion and programs as directed.
• Ensures that the department and lobby areas are clean and neat; mandatory notices are regularly updated and properly posted and promotional materials in the racks are in good condition and well stocked.
• Reviews and approves staff timesheets in a timely manner.
• Serves as a Notary Public for the Credit Union.

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.
• Performs such other duties and responsibilities as may be prescribed by the Vice President of Branch Operations, Vice President Loans or the 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 development.
• Ensures a secure, neat, clean and safe work area.
• Maintains adequate inventory of supplies used by the department and requests needed purchases and replacements.

MANAGER COMPETENCIES

• Creates and Executes a Vision
• Thinks Systematically
• Builds Relationships
• Develops Others
• Achieves Results
• Learns Continuously

TECHNICAL COMPETENCIES

• Proficient in various computer programs (i.e. Microsoft Word/Excel)

PHYSICAL DEMANDS

• Requires sitting and/or standing at a work station for periods of up to 4 hours (without a break).
• Requires data entry/key punching and mouse skills to complete daily work.
• Requires the use of various office equipment to perform duties.
• Requires working beyond the 8-hour day periodically.

QUALIFICATION REQUIREMENTS

Education

• 4-year degree from an accredited university, preferably in business preferred.

Experience

• A total of five or more years of experience as a loan officer and/or in the operational area in a financial institution, preferably in a supervisory role.
• Two years of supervisory or managerial experience desirable.
• Sales experience highly desirable.
• Commercial and Mortgage Lending experience desirable.

Skills

• Possesses the professional skills appropriate for the job title.
• Able to work both independently and collaboratively with others and foster a team environment.
• Able to handle all confidential matters professionally, including ensuring the privacy of our member’s account information.
• Possesses organization and planning skills.
• Excellent problem solving skills.
• Excellent written and verbal communication skills.
• Knowledge of principles and practices of financial institutions with an emphasis on depository and branch related products.
• Able to work in an agile and fast-paced environment.
• Possesses good presentation skills.

Training

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

ESSENTIAL DUTIES AND FUNCTIONS

• Maintain and routinely update PHFCU Collections department standards, policies and procedures in alignment and compliance with current Federal and State Collection laws and practices.
• Monitor, process, and track loan delinquencies, repossessions, foreclosures, bankruptcies, TDR’s, workouts, charge-offs, and post charge-off accounts to ensure compliance with PHFCU Collections Department standards and credit union goals.
• Responsible in ensuring that all collections efforts are compliant and exhausted for pre charge-off and post charge-off accounts according to applicable Federal and State law.
• Manages E-Oscar to ensure all credit reporting agencies are notified and updated due to any applicable changes in a member’s credit reporting account status.
• Works with third parties, including the credit union’s attorneys, Credit Reporting Agencies and Recovery Agencies, on accounts which require legal proceedings, judgements, recoveries and foreclosures.
• Review and evaluate delinquent accounts to identify possible trends and provides recommendations for changes as necessary.
• Prepare and submit data and reports to the Board and appropriate departments as instructed by the Vice President of Loans.
• Responsible for ensuring the accuracy, completeness, and consistency of the work within the Collections department
• Must possess a strong understanding of Bankruptcy laws. Will serve as the primary contact for all Bankruptcy related accounts.
• Provides leadership to the collections team to ensure all necessary functions of the department are met and to ensure staff complies with all regulations and requirements.
• Routinely consults with the Vice President of Lending on measures to provide greater efficiency, accuracy and benefit to the Collections Department.

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, etc.)
• 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 development.
• 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 Machine

Work Hours

• Varies dependent upon shift and the needs of the Collection Department
• Over time may be required
• 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.
• Ability to define problems, collect data, establish facts, and draw valid conclusions.
• Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables.
• Ability to clearly document policies, procedures and instructions that conform to prescribed style and format.
• Ability to achieve and maintain accuracy with all processes and functions.

COMMUNICATION DEMANDS

• Ability to communicate clearly both orally and in writing with members, peers, and managers.
• Ability to effectively present information orally and in writing to top management, public groups, and employees.

PHYSICAL DEMANDS

• Requires sitting at a work station for periods of up to 4 hours (without a break).
• Requires the ability to understand and complete instructions.
• Requires data entry/key punching 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.

QUALIFICATION REQUIREMENTS

 Skills/Knowledge

• Ability to learn and apply learned skills.
• Ability to work and communicate 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 and collaborate cooperatively with members, co-workers and management.
• Must be bondable.

Education/Training

• 4-year degree from an accredited university preferred.

Experience

• A total of five (5) or more years of experience working in the field of consumer credit and/or collections in a financial institution, preferably in a supervisory role.
• Two (2) years of supervisory or managerial experience desirable.
• Commercial and Mortgage Lending experience desirable.

Training

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