Become a Part of Our Team
At AmeriChoice, we pride ourselves on building the best possible staff of energetic, hardworking, and dedicated individuals. Together, we can build the best possible team to best serve the needs of our members.
Full Time benefits include:
- Medical, Dental, Vision and Prescription Coverage
- Paid Time Off
- Paid Life Insurance
- Paid STD, LTD, and AD&D Insurance
- Flexible Spending Accounts
- Matched 401k/ROTH Plans
- Paid Holidays
We’re looking for energetic, dedicated individuals to join our team. View the career opportunities below and submit your resume along with salary requirements to humanresources@americhoice.org or fax it to (717)697-3713. EOE.
Loan Operations Officer
JOB DESCRIPTION
POSITION: LOAN OPERATIONS OFFICER
REPORTS TO: VP – CONSUMER LENDING
FLSA STATUS: EXEMPT
JOB SUMMARY:
Under general supervision, helps integrate new services and products into the current software and train employees on their use. Assists with handling loan compliance issues for the department. Does loan reporting. Serves as a reference person for the loan department in regards to programs, policies, and procedures.
ESSENTIAL JOB FUNCTIONS:
- Prepares monthly, quarterly and annual reports for the loan and collection departments
- Prepares quarterly Call Report for the NCUA
- Prepares semi-annual Better Choice loan report
- Prepares annual HMDA, 1099C, dealer paid interest, and mortgage points paid reports.
- Monthly review of loans not paid by maturity date, loans where interest due exceeds the payment, HELOC renewals, and share-secured loan report showing expiring CD’s secured by a loan
- Help integrate new programs, services, and products into the current software and train employees on their use
- Handle software maintenance issues and corrections
- Monitor and maintain consumer loan compliance for the department
- Adjusts variable rate loan rates as needed
- Responsible for maintenance, changes, and modifications on current loans (i.e., due date or rate modification, payment reversal, returned checks, reamortization, etc.)
- Adjusts extra late fees charged to loans based on payment frequency
- Reverses NSF checks back to the loan
- Maintains and reviews construction loan accounts, balloon dates, and billing
- Balance Student Choice loan portfolio tracking records to the third party trial balance, and responsible for resolving small balance accounts (waive small balance due/credit borrower for overpayments). Identifies and codes Symitar for Student Choice claim payment accounts
- Responsible for gathering and providing system information for audit and exam requests and works with the VP Lending to address any audit and exam issues
- Remains alert to and reports or resolves any out-of-the-ordinary circumstances regarding loan process and transactions
- Balance and monitor loan loss reserve account
- Balance charged off loans and collection recoveries and perform system charge offs
- Book FHA Title 1 loans and balance FHA Title 1 account
- Process/perform account maintenance and tracking on repossessions and foreclosures
- Perform TDR and bankruptcy tracking
- Portfolio Vehicle Loans – prepares a monthly report for VP Lending and Collection Department review for delinquent and problem loans. On a random basis, reviews loan accounts to assure minimum payment requirements are met and that loans are amortizing correctly
- Assists with OREO and Repossessed Asset tracking and reporting
- Assumes a leadership role in the Loan Department area
- Assists with loan processing as needed
- Prompt and efficient assistance to loan staff
- Performs all responsibilities in an extremely professional manner, setting the highest possible image for AFCU
- Responsible to understand, monitor and report activity associated with department business objectives to assist the Credit Union’s compliance with the Bank Secrecy Act
- Attend meetings and training sessions as required
- Maintain member confidentiality
- Maintain written procedures for all primary job functions so that credit union staff can act
as backup in employee’s absence
- Perform other duties and responsibilities as required or assigned
QUALIFICATIONS REQUIRED:
High school diploma or equivalent required. Five years experience in lending preferred. Working knowledge of PC software programs. Knowledge of credit union loan processes, products, and compliance issues. Knowledge of Reg Z, Reg B, and Fair Debt Collection Practices Act.
KNOWLEDGE, SKILLS AND ABILITIES:
– Ability to read and write.
– Ability to count and work with numbers and details effectively.
– Ability to work with people at all levels, orally, in writing, or by phone.
– Ability to effectively and efficiently communicate orally, in writing, and by phone.
– Ability to work with members effectively (friendliness, tact and diplomacy).
– Ability to learn, apply, and communicate knowledge of VISA policies and procedures.
– Ability to learn, apply, and communicate knowledge of credit union products and services.
– Ability to coordinate, process and analyze lending documentation and decisions.
– Ability to make sound decisions on issues and justify them.
– Ability to work independently and with little supervision.
– Ability to accurately input and retrieve data from computer.
– Ability to use a calculator.
– Ability to use and learn office machines (i.e., copier, fax, terminals).
WORK ENVIRONMENT:
Job requires little physical effort and is basically a desk assignment. Work creates moderate to heavy stress during certain periods. Job does not have specific volume and pace of work standards except that the job includes specific deadlines. Job requires extensive contact with managers, employees, members, outside companies and vendors on a continual basis. This work requires the following physical activities: sitting, standing, walking, finger dexterity, grasping, repetitive motions, talking, hearing and visual acuity. The work is performed primarily indoors.
NOTICE:
This job description is not intended to be, nor should be construed as a contract for employment. AFCU makes no guarantee of permanent employment. This job description is to be used as a guideline to give the employee an understanding of what the credit union has defined this position to be.
AFCU is willing to accommodate disabilities to the extent a financial services organization can without impacting financial control or member service. AFCU is an Equal Opportunity Employer.
Financial Service Representative
POSITION: FINANCIAL SERVICE REPRESENTATIVE
REPORTS TO: VP/ CONSUMER LENDING
FLSA STATUS: NON-EXEMPT
JOB SUMMARY:
Individual must present a professional image at all times. Proactively markets the credit union’s products and services in order to improve the financial well being of our members. Actively coach’s branch staff in utilizing needs-based selling approach that builds member trust and loyalty. Generates, processes, and closes loan applications. Opens membership accounts and offers products and services. Cross-sells credit union products and services. Continually seeks ways to improve branch sales and productivity to meet established goals. Responsible for keeping informed of the achievements of branch employees regarding sales and service objectives. Maintains a working knowledge of the credit union’s Loan and Operation products including policies, procedures, rates, and documentation requirements.
ESSENTIAL JOB FUNCTIONS:
- Provides the highest level of member service to promote credit union products and services, open new accounts, process consumer loan applications and disburse consumer loans to existing and new members.
- Maintains current knowledge of credit union’s products in order to proactively promote products to improve the financial well being of our members.
- Receives consumer loan applications all channels, verifies information as necessary, processes documents and disburse loans to members.
- Receives membership and account applications all channels, verifies information, reviews eligibility, opens new accounts and activity offers additional products and services.
- Responsible for contacting members and potential members to create loans and cross sell products via telephone.
- Maintains confidentially with Credit Union policies/procedures and member information.
- Provide accurate and complete consumer loan information to the Loan Underwriter in a timely manner.
- Serves as point of contact for members regarding consumer loans and new accounts, works with Financial Service Representatives and other departments to coordinate exceptional member service.
- Maintains high visibility within the branch by having consistent personal interaction with new and existing members.
- Provides financial solutions through member engagement and product knowledge to potential and existing members.
- Responsible to organize and lead team meetings to promote AmeriChoice products and services.
- Focus to develop and expand member relationships and retention of members.
- Actively coaches branch staff in utilizing a needs based selling approach that builds member trust and loyalty.
- Continually seeks ways to improve branch sales to meet established goals.
- Attends assigned meetings, training sessions and stays current on new processes and procedures.
- Responsible for implementation of the credit union’s marketing of services and products, special promotions and product enhancements within the branch environment.
- Responsible for tracking and coaching branch staff in the achievement of sales and service objectives.
- Responsible to understand, monitor and report activity associated with department business objectives to assist the Credit Union’s compliance with the Bank Secrecy Act.
- Performs in a professional manner setting the highest possible standard for the Credit Union.
- Perform other duties and responsibilities as required or assigned by VP/Consumer Lending.
NON-ESSENTIAL JOB FUNCTIONS:
- Attend meetings and training sessions as required.
QUALIFICATIONS REQUIRED:
High school diploma or equivalent. Ability to accurately input information into a computer and use a calculator. Good math skills. Working knowledge of PC software programs. One year experience in lending in a credit union or other financial institution or comparable experience within business related company. Ability to cross sell and develop relationships with members.
QUALIFICATIONS PERFERRED:
Specialized training in member/customer service, member services, and back office operations is desired. Knowledge of Credit Union policies and products. Knowledge of Reg Z and B and Fair Debt Collection Practices Act
KNOWLEDGE, SKILLS AND ABILITIES:
– Ability to read and write.
– Ability to count and work with numbers and details effectively.
– Ability to deal effectively with people at all levels, orally, in writing, or by phone.
– Ability to effectively and efficiently communicate orally, in writing, and by phone.
– Ability to work with members effectively (friendliness, tact and diplomacy).
– Ability to learn, apply, and communicate knowledge of policies and procedures of loan department.
– Ability to learn, apply, and communicate knowledge of credit union products and services.
– Ability to coordinate, process and analyze lending documentation and assist with decisions.
– Ability to make sound decisions and justify them.
– Ability to work independently and with supervision.
– Ability to accurately input and retrieve data from computer.
– Ability to use a calculator.
– Ability to use and learn office machines (i.e., copier, fax, terminals).
WORK ENVIRONMENT:
Job requires little physical effort and is basically a desk assignment. Work creates moderate to heavy stress during certain periods. Job does not have specific volume and pace of work standards except that the job includes specific deadlines. Job requires extensive contact with managers, employees, members, outside companies and vendors on a continual basis. This work requires the following physical activities: sitting, standing, walking, finger dexterity, grasping, repetitive motions, talking, hearing and visual acuity. The work is performed primarily indoors.
NOTICE:
This job description is not intended to be, nor should be construed as a contract for employment. AFCU makes no guarantee of permanent employment. This job description is to be used as a guideline to give the employee an understanding of what the credit union has defined this position to be.
AFCU is willing to accommodate disabilities to the extent a financial services organization can without impacting financial control or member service. AFCU is an Equal Opportunity Employer.
Part Time Member Service Representative
AMERICHOICE FEDERAL CREDIT UNION
JOB DESCRIPTION
POSITION: MEMBER SERVICE REPRESENTATIVE I
REPORTS TO: VP-OPERATIONS
FLSA STATUS: NONEXEMPT
JOB SUMMARY:
Under general supervision, provides a variety of service functions directly to the members that include greeting members promptly and enthusiastically, accurately and efficiently handling a variety of teller transactions, and clearly explaining the features and benefits of our products and services.
ESSENTIAL JOB FUNCTIONS:
- Professional, efficient and courteous service to members in person or by telephone while maintaining member confidentiality.
- Accurately balance assigned cash drawer and posted transactions. Secure cash and checks daily.
- Verify member’s identity and handle requests, or refer to appropriate department.
- Accurately process deposits, transfers, withdrawals, loan payments and sell negotiable instruments.
- Complete requests by conducting minor maintenance to existing member’s accounts as well as process Visa credit card payments, issue Visa gift cards, complete member check orders and prepare stop payments.
- Assist with preparing cash and coin orders for shipment/delivery.
- Possess a thorough knowledge and understanding of the credit union’s products and services as well as the credit union’s policies and procedures.
- Have the ability to cross-sell and refer various products and services to members.
- Responsible to understand, monitor and report activity associated with department business objectives to assist the Credit Union’s compliance with the Bank Secrecy Act.
- Answer member phone calls within three rings.
- Assist with auditing of cash drawers and vault as requested.
- Responsible to understand, monitor and report activity associated with department business objectives to assist the Credit Union’s compliance with the Bank Secrecy Act.
- Performs in a professional manner setting the highest possible standard for the Credit Union while following “The AmeriChoice Way Standards of Service”.
NON-ESSENTIAL JOB FUNCTIONS:
- Attend meetings and training sessions as required.
- Perform other duties and responsibilities as required or assigned.
QUALIFICATION REQUIRED:
High School diploma or equivalent. Cash handling and customer service experience. Working knowledge of computer software programs. Ability to cross sell and develop relationships with members.
QUALIFICATIONS PREFERRED:
Previous experience as a teller.
KNOWLEDGE, SKILLS AND ABILITIES:
– Ability to read and write.
– Ability to count and work with numbers and details effectively.
– Ability to effectively and efficiently communicate orally, in writing, and by phone.
– Ability to effectively work with members (friendliness, tact and diplomacy).
– Ability to work effectively with people.
– Ability to learn, apply and communicate knowledge of teller department policies and procedures.
– Ability to learn, apply knowledge and communicate credit union products and services.
– Ability to discern currency and coin.
– Ability to input and retrieve data from computer.
– Ability to use a calculator.
– Ability to use and learn office machines (i.e., copier, fax, terminals).
– Ability to multi-task and prioritize work flow
WORK ENVIRONMENT:
Job requires little physical effort and is basically a desk assignment. Work creates moderate to heavy stress during certain periods. Job does not have specific volume and pace of work standards except that the job includes specific deadlines. Job requires extensive contact with managers, employees, and members on a continual basis. This work requires the following physical activities: sitting, standing, walking, finger dexterity, grasping, repetitive motions, talking, hearing and visual acuity. The work is performed primarily indoors.
NOTICE:
This job description is not intended to be, nor should be construed as a contract for employment. AFCU makes no guarantee of permanent employment. This job description is to be used as a guideline to give the employee an understanding of what the credit union has defined this position to be.
AFCU is willing to accommodate disabilities to the extent a financial services organization can without impacting financial control or member service. AFCU is an Equal Opportunity Employer.
Member Service Representative- Full Time
AMERICHOICE FEDERAL CREDIT UNION
JOB DESCRIPTION
POSITION: MEMBER SERVICE REPRESENTATIVE I
REPORTS TO: VP-OPERATIONS
FLSA STATUS: NONEXEMPT
JOB SUMMARY:
Under general supervision, provides a variety of service functions directly to the members that include greeting members promptly and enthusiastically, accurately and efficiently handling a variety of teller transactions, and clearly explaining the features and benefits of our products and services.
ESSENTIAL JOB FUNCTIONS:
- Professional, efficient and courteous service to members in person or by telephone while maintaining member confidentiality.
- Accurately balance assigned cash drawer and posted transactions. Secure cash and checks daily.
- Verify member’s identity and handle requests, or refer to appropriate department.
- Accurately process deposits, transfers, withdrawals, loan payments and sell negotiable instruments.
- Complete requests by conducting minor maintenance to existing member’s accounts as well as process Visa credit card payments, issue Visa gift cards, complete member check orders and prepare stop payments.
- Assist with preparing cash and coin orders for shipment/delivery.
- Possess a thorough knowledge and understanding of the credit union’s products and services as well as the credit union’s policies and procedures.
- Have the ability to cross-sell and refer various products and services to members.
- Responsible to understand, monitor and report activity associated with department business objectives to assist the Credit Union’s compliance with the Bank Secrecy Act.
- Answer member phone calls within three rings.
- Assist with auditing of cash drawers and vault as requested.
- Responsible to understand, monitor and report activity associated with department business objectives to assist the Credit Union’s compliance with the Bank Secrecy Act.
- Performs in a professional manner setting the highest possible standard for the Credit Union while following “The AmeriChoice Way Standards of Service”.
NON-ESSENTIAL JOB FUNCTIONS:
- Attend meetings and training sessions as required.
- Perform other duties and responsibilities as required or assigned.
QUALIFICATION REQUIRED:
High School diploma or equivalent. Cash handling and customer service experience. Working knowledge of computer software programs. Ability to cross sell and develop relationships with members.
QUALIFICATIONS PREFERRED:
Previous experience as a teller.
KNOWLEDGE, SKILLS AND ABILITIES:
– Ability to read and write.
– Ability to count and work with numbers and details effectively.
– Ability to effectively and efficiently communicate orally, in writing, and by phone.
– Ability to effectively work with members (friendliness, tact and diplomacy).
– Ability to work effectively with people.
– Ability to learn, apply and communicate knowledge of teller department policies and procedures.
– Ability to learn, apply knowledge and communicate credit union products and services.
– Ability to discern currency and coin.
– Ability to input and retrieve data from computer.
– Ability to use a calculator.
– Ability to use and learn office machines (i.e., copier, fax, terminals).
– Ability to multi-task and prioritize work flow
WORK ENVIRONMENT:
Job requires little physical effort and is basically a desk assignment. Work creates moderate to heavy stress during certain periods. Job does not have specific volume and pace of work standards except that the job includes specific deadlines. Job requires extensive contact with managers, employees, and members on a continual basis. This work requires the following physical activities: sitting, standing, walking, finger dexterity, grasping, repetitive motions, talking, hearing and visual acuity. The work is performed primarily indoors.
NOTICE:
This job description is not intended to be, nor should be construed as a contract for employment. AFCU makes no guarantee of permanent employment. This job description is to be used as a guideline to give the employee an understanding of what the credit union has defined this position to be.
AFCU is willing to accommodate disabilities to the extent a financial services organization can without impacting financial control or member service. AFCU is an Equal Opportunity Employer.