Montana Terry

• Maintains high accuracy and thoroughness in handling of all transactions ans assigned duties, especially those dealing with cash and members' accounts
• Assures privacy of member information in handling all transactions and assigned duties.
• Remains compliant with credit union policies
• Maintains a hight level of courteousness and professionalism while greeting all members with smile and refers to the member by name as appropriate.
• Receives members at assigned stations and determine the nature of the members business
• Shows empathy and compassion toward members when assisting with request, complaints, research, problems and follow up to resolve matters to the members satisfaction.
• Handles personal and non commercial account monetary transactions including but not limited to

- All cash and check deposits, withdraws and transfers

- Check cashing

- Visa cash advances

- Processing non commercial account maintenance request.

- Savings bonds redemption

- Shared branch deposits and withdrawals

• Handles the following routine non monetary transactions including but not limited to

- Debit card issuance, qualification, lost/stolen cards

- Remote delivery services assistance including but not limited to application and initial set up, demonstration, problem resolution and reporting service failures pertaining to existing remote delivery services to appropriate department experts.

- Assists members with direct deposit initiation, changes and payroll transfers.

- ACH initiation, changes and cancellation for internal and external payments.

- Check and ACH stop payment requests.

- Close accounts using credit union defined procedures.

- Lost/stolen debit/credit cards, Debit/credit card fraud, and other forms of fraud assistance.

- Dormant account process.

• Assist with required dual control processes within branch operation
• Scan current days checks (accepted by all the office staff), balance corporate check totals and various other branch totals.
• Order new and reorder checks for members with checking accounts
• Prepare and skip payment requests for loan servicing
• Open and close the computer terminal and accountable for assigned cash drawer monetary contents and balances to the terminal close report on a daily basis
• Maintains overall knowledge of the resources and services of the credit union as front line first contact with members
• Meets or exceeds product and services relationship building, referral and production goals including but not limited to deposits, loans, payment protection, checking account options, retirement and investment services, electronic and remote delivery services, and other product/services at the acceptable level as determined by the credit union.
• Demonstrates a thorough knowledge and proficiency of all retail (non commercial) credit union deposit products and services, electronic/remote delivery services, payments, use of credit union core processing system and other software, required to preform the required functions within the expected time frame and method determined by the credit union.
• Responsible for product knowledge and all operational functions associated with the evaluation, qualification, processing, compliance, completion and submission of the following retail deposit product requests to open, change, account ownership, changes, closing accounts, processing deceased memberships

- New membership accounts

- All checking accounts

- Club accounts

- Non IRA certificate of deposits

- Money Markets

- Powers of attorney

- Specialty account ( custodial, representative payee, Guardianship)

- Health savings accounts

- IRA ( traditional and roth)

• Preform on-boarding of new members through the branch in the prescribed time frame and manner established by management
• Responsible for product knowledge and all operational functions. associated with the evaluation, qualification, processing, submission, gathering of appropriate information needed for loan underwriting of the loan types listed below. Responsible for preparation of loan closing documents, conducting loan closings, preforming loan disbursal and all post closing procedures and follow up. Complete and accurate loan application using online sources for collateral evaluation (JD Power) and required information to be used as a basis for credit decisions; direct communication with members to discuss loan application status and/or underwriting conditions for pending; approved and denied loan applications; verification that all loan conditions are met and required documentation is received. loan types may include but are not limited to:

- Visa Credit Card ( secured and unsecured)

- Unsecured personal loans

- Shared secured

- All vehicle ( Auto, motorcycle, boat, RV, Etc) title secured loans for purpose of purchase, refinance, free & clear title, etc

- Home Equity ( Closed-end and LOC)

- Home equity mortgage purchase money loans

• Responsible for addressing member inquiries, problems or concerns regarding all product and services mentioned in the above duties and directing requests for information or assistance beyond expected level of expertise to the appropriate individual or department.
• Generate additional member relationships by approved methods of outbound calling, included but not limited to using member referrals, assigned leads lists, onboarding, etc.

• Enhanced client satisfaction by providing exceptional assistance with inquiries.
• Ensured operational integrity through accurate cash balance management and discrepancy reconciliation.
• Promoted branch atmosphere by warmly greeting customers and using their names.
• Processed high-volume customer transactions efficiently, reducing wait times significantly.
• Maintained up-to-date knowledge of bank regulations and policies to meet deadlines.

• Enhanced store operations by supervising daily activities and ensuring compliance.
• Trained team members to improve performance and elevate customer service standards.
• Implemented inventory practices, maintaining optimal stock levels and minimizing waste.
• Analyzed sales data, identifying trends to create effective promotional strategies.
• Assisted in recruiting, onboarding, and developing high-performing employees.
• Fostered a guest-first culture, exceeding expectations in service and satisfaction.

• Delivered exceptional customer service, ensuring satisfaction and repeat business.
• Operated kitchen equipment efficiently to prepare high-quality pizzas and menu items.
• Collaborated with team members to streamline order preparation and delivery processes.
• Maintained cleanliness and organization of work area, adhering to health and safety standards.

• Enhanced workplace efficiency by organizing environment for staff and customer safety.
• Gained industry knowledge by collaborating with seasoned professionals on best practices.
• Set up tools and supplies effectively to prepare worksite for tasks.
• Acquired diverse skill set through comprehensive on-the-job training sessions.
• Installed mounts to ensure proper functionality and support in projects.