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Freedom Credit Union

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If you want to be part of a winning exciting team, please see below our current opportunities.  Please submit your resume and letter of intent to hrjobs@freedom.coop indicating what opportunity you would like to be considered for.

Credit Analyst (Full-Time Boylston Office)

 

Primary Summary:

Under general supervision of the Commercial Credit Manager, and in accordance with established policies and procedures, performs credit analysis on all Member Business Loans.

Essential Functions/Position Responsibilities:

Perform a thorough financial, cash flow, ratio and trend analysis on each Member Business Loan application.

  • Prepare an objective and comprehensive written presentation which includes an assessment of the strengths and weaknesses of a credit while adhering to Member Business Loan Policy standards.
    • ØDetermine collateral adequacy:  consideration of asset availability, familiarity with real estate appraisal and environmental regulations.
    • ØMake recommendations to the Commercial Credit Manager on viability and risk of a new loan/relationship.
  • Perform annual reviews of existing portfolio based on updated financial information including adherence to covenants and risk rating appropriateness.
  •  Spread financial statements.
  • Assist with portfolio tracking systems.

Position Requirements: 

  • BS degree in business or related field,
  • Minimum of 1-3 years of relevant experience,
  • Understanding of accounting principles,
  • Knowledge of business and personal financial statements,
  • Strong analytical and underwriting skills,
  • Ability to use Microsoft Word and Excel extensively,
  • Strong written and oral communication skills required,
  • Organizational skills/ability to prioritize and handle a multitude of responsibilities, meet deadlines, 
  • Proficiency in financial analysis software.

Competencies: 

Member / Stakeholder Focus:  Builds and maintains effective relationships with credit staff, lenders and members.  Identifies member/stakeholder’s needs and expectations.  Listens carefully in order to see issue from their point of view.  Offers practical solutions or recommendations focused on achieving the member/stakeholder’s expectations.

Adaptability:   Learns and adapts quickly in new situations.  Possesses a flexible style, the ability to change and adapt to fit circumstances.   Adjusts with ease, resulting in successful performance.

Personal Accountability:  Accepts responsibility for own actions, including failure. Embraces experiences as learning opportunities and does not blame others.

Collaboration:    Values others and different perspectives.  Actively seeks and enlists participation of other departments, functional areas and individuals in order to achieve goals.  Promotes the common good, extends self beyond personal self-interest; engages in appreciative inquiry and a spirit of caring, not finger-pointing or blaming.

Effective Communication:  Puts others at ease by listening.  Allows adequate time for interactions, gives undivided attention to speaker, demonstrates non-verbal cues that show interest, keeps an open mind and concentrates on the speaker’s message.  Responds with information or questions, as appropriate.  Remains calm, focused and polite, even during stressful conversations. 

Professionalism:  Consistently conducts self in a manner that is business appropriate.  Manner of speech, attire and interaction with others conveys competency, confidence, credibility, respect and efficiency to others.   Is polite, courteous, tactful, responsible, and well-groomed.  Establishes and maintains professional boundaries in all work related relationships.

Problem Solving:  Gathers and analyzes information, identifies goals, explores and selects solutions, implements an action plan and evaluates results to ensure identified goals have been achieved.

Process & Time Management:  Uses the necessary or established steps to ensure successful execution of tasks.  Allocates time efficiently to the most important task.  Completes work in a timely manner and looks for opportunities to improve existing processes, procedures and systems.

 

Teller/MSR  (Part-Time, Easthampton Location) 

Essential Duties and Responsibilities:  (Other duties may be assigned) 

  • Receives and processes current transactions, accepting deposits, withdrawals, loan payments.
  • Sells money orders and official checks.
  • Provides routine information concerning Credit Union products and services in accordance with Credit Union policies.
  • Balances cash drawer and makes settlement of daily activities.
  • Reviews and explains transactions to members regarding their accounts.
  • Cross-sells all products and services of the Credit Union.
  • Types, files and performs other duties as assigned.
  • Collects money for special products and promotions.
  • Assists the new account desk in the opening of all new deposit accounts, performing account maintenance, responding to member inquiries and accepting consumer loan applications.
  • Process and deliver mail.
  • Up to 25 hours per week.
  • Requires flexible availability and includes every Saturday.

 Qualification/Skill Requirements: 

  • Responsible for maintaining Credit Union’s quality service standards.
  • Verbally interacts with members, fellow employees and vendors.
  • Reads, writes and performs mathematical computations.
  • Ability to follow oral and written directions.
  • Knowledge about credit union system, its structure, common language and acronyms, philosophy and Credit Union’s mission statement.
  • Ability to operate standard office equipment and tools, such as personal computer, fax machine, postage machine, photocopier and typewriter.

  Education and/or Experience: 

  • High School Diploma or equivalent required or equivalent combination of education and experience.
  • Some cash handling experience in a financial institution or related experience.
  • Good organizational and communication skills.
  • Accuracy.

TELLER POSITION POSTING ((1)Part Time in Chicopee and (1)Part Time in Northampton)

 Essential Duties and Responsibilities:  (Other duties may be assigned)

  • Receives and processes current transactions, accepting deposits, withdrawals,loan payments.  Sells money orders and official checks.
  • Provides routine information concerning Credit Union products and services in accordance with Credit Union policies.
  • Balances cash drawer and makes settlement of daily activities.
  • Reviews and explains transactions to members regarding their accounts.
  • Cross-sells all products and services of the Credit Union.
  • Types, files and performs other duties as assigned.
  • Assists other tellers and with the new account desk when necessary

 Qualification/Skill Requirements:

  • Responsible for maintaining Credit Union’s quality service standards.  Verbally interacts with members, fellow employees and vendors.
  • Reads, writes and performs mathematical computations
  • Ability to follow oral and written directions
  • Knowledge about credit union system, its structure, common language and acronyms, philosophy and Credit Union’s mission statement.
  • Ability to operate standard office equipment and tools, such as personal computer, fax machine, postage machine, photocopier and typewriter.

 Education and/or Experience:

  • High School Diploma or equivalent required or equivalent combination of education and experience.
  • Some cash handling experience in a financial institution or related experience.
  • Good organizational and communication skills.
  • Accuracy

 Assistant Head Teller (Full-time, Main Office Springfield)

Major Function

Under general supervision of the Branch Officer, and in accordance with established policies and procedures, is responsible for the management and the quality of service of the Tellers.   Have thorough knowledge of branch operations job responsibilities.

 Essential Duties and Responsibilities

  • Perform all teller functions
  • In cooperation with the Head Teller; order cash for the branch and maintain branch cash limits (including ATM and teller limits), manage vault cash; buy and sell cash from/to tellers during normal business hours.  In the absence of the      Head Teller, assure that vault cash is balanced at all times.
  • Assist in overseeing the daily processing and balancing of all tellers.  In the absence of the Head Teller; research, recover and report teller errors appropriately and accurately balance the branch, including the Check 21 process, at the end of each business day.
  • Assure proper handling and security of negotiable items (traveler’s checks, money orders, official checks, etc.).  Maintain inventory controls of traveler’s checks and gift cards.
  • Adhere to and enforce compliance with Bank Secrecy Act (BSA) including Customer Identification Program (CIP) policies and procedures and proper completion and handling of Currency Transaction Reports (CTRs) and Suspicious Activity Reports (SARs).
  • In the absence of or in cooperation with the Head Teller assist members and/or tellers with issues that cannot be solved or which extend beyond the normal policies of the credit union.  Process overrides and answers questions for tellers.
  • Perform daily balancing of the ATM. Verify deposit envelope accuracy and perform appropriate daily hold maintenance for ATM deposits.  Supply ATM with cash as needed. Train tellers to act as back up for ATM maintenance.
  • Check night depository under dual control on a daily basis.  Log night deposit transactions.  Verify and process all night depository transactions with the help of tellers.
  • Maintain current knowledge of all products and services of the credit union.  Actively cross sell and meet member needs.
  • In the absence of the Head Teller, accurately complete various reports and submit them to management in a timely manner.  Such reports include teller performance records, monthly inspection of security devices and monthly teller audits.
  • Oversee all aspects of branch security in the absence of the Head Teller.  Open/close the branch as required by the Head Teller or Branch Officer.
  • Performs additional duties as requested.

 Qualification/Skill Requirements

  • Responsible for maintaining credit union’s quality service standards.
  • Verbally interact with members, fellow employees and vendors.
  • Read, write and perform mathematical computations.
  • Operate standard office equipment and tools, such as personal computer, fax machine, postage  machine, photocopier and other general office equipment.

 Education and/or Experience:

  • High School Diploma or equivalent required.
  • Computer experience necessary with knowledge of credit union systems (Insight, etc.)
  • One to two years related experience in a financial institution.