The Share Accountant is responsible for performing a variety of professional accounting duties with the principal areas of responsibilities being Credit Union share accounts, cash accounts, and monthly general ledger duties and analysis. This position also acts as a resource for managers and the Credit Union.
Essential Duties & Responsibilities: Must effectively carry out the following essential duties and responsibilities of this position in a manner that consistently demonstrates Sun Federal’s mission, values and culture. Other duties may be assigned.
Member Share AccountingPrepares reports depicting share growth by branch and share category on a daily and monthly basis, and movement of shares between certificate and core deposit types.Conducts research and produces biweekly comparison analysis of certificate pricing of various financial institutions in the Toledo and Philadelphia markets.Prepares the Excess Share Insurance calculation on a monthly basisCash Account Reconciliation Verifies and processes the Corporate One billing making the appropriate general ledger adjustments.Monitors cash letter adjustments.Researches savings bonds, ACH funds that are credited or debited to the cash accounts and other miscellaneous activity.Morning ReportUploads the daily core activity report into the Finance software to capture Credit Union financial activity from the prior day.Produces the Morning Report for distribution to management team daily. This report reflects the Credit Union’s total cash position, share and loan activity from the prior day and the resulting balance status for each branch and the Credit Union total.Reconciles daily activity General Ledgers to verify and address discrepancies in a timely manner.Shared Branching Balances and accounts for other Credit Union’s member transactions occurring in our offices and our member transactions occurring in other Credit Union offices across the national network every business day.Processes adjustments to member accounts as needed.General Accounting Duties Completes assigned monthly GL reconcilements, variance reporting, month-end financial reports, and annual account budgeting.Prepares account entries by compiling and analyzing account information. Documents financial transactions by entering account information. Recommends financial actions by analyzing accounting options.Conducts meetings with assigned Managers and/or Directors in a timely manner.Backs up daily functions of other staff when they are not in the office.Qualification Requirements: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of knowledge, skill and/or ability required. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions. The individual must be able to successfully pass background checks.
Education/Certification: Bachelor’s degree in Accounting or Finance required.
Required Knowledge: Knowledge of basic accounting concepts and procedures including account reconciliation. Knowledge of related computer applications.
Experience Required: One to three years of accounting experience preferred.
Employee Benefits
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Tuition Reimbursement, Promote From Within Philosophy, Professional Development, Work/Life Balance, Paid Vacation and Sick time, Paternity Leave, 11 Paid Holidays, Weekends and Evenings Free, 401(k) with 6% Match, Employer-Paid Pension, Incentive Pay, EAP, Medical, Dental, Vision, Life, Long-Term Disability Insurance, Employer H.S.A. Contribution, Wellness Program and Rewards, Credit Union Membership, Financial Wellness Education
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The BSA & Risk Specialist I is responsible for the daily servicing of the comprehensive corporate-wide Bank Secrecy Act (BSA) Program that includes internal policies, procedures and controls to comply with the USA Patriot Act, BSA, Currency and Foreign Transactions Reporting Act, Anti-Money Laundering (AML), Office of Foreign Asset Control (OFAC), and FACT Act Red Flags compliance, deposit account and shared branching compliance. Consults with and provides daily assistance to management and staff.
Essential Duties and Responsibilities: Must effectively carry out the essential duties and responsibilities of this position in a manner that consistently demonstrates Sun Federal’s mission and core values in a positive manner. Other duties may be assigned.
Bank Secrecy Act Program Servicing Responsibilities Responsible for required regulatory reporting that is timely, accurate, and compliant including:Files Currency Transaction Report (CTR) within reporting deadlines. This includes reviewing all alerts, collecting data, compiling, and submitting reports.Researches suspicious activity, writes narrative and files Suspicious Activity Report (SAR) within deadlines. Prepares monthly SAR tracking reports. Takes appropriate actions and limits access when suspicious or illegal activity is discovered.Follows FinCEN 314(a) and 314(b) compliance guidelines in screening accounts, sharing information with other financial institutions and law enforcement.Monitors fraud trends and communicates these trends to members and staff.Conducts monthly compliance review and prepares exception report for management.Qualification Requirements: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of knowledge, skill and/or ability required. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions. The individual must be able to successfully pass background checks.
Education/Certification: Associates degree in business or Criminal Justice required. CUNA Certified BSA Compliance Specialist designation required.
Experience Required: Three to five years of experience in the banking industry or in Risk Mitigation, Loss Mitigation or in a deposit account compliance role.
Employee Benefits
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Tuition Reimbursement, Promote From Within Philosophy, Professional Development, Work/Life Balance, Paid Vacation and Sick time, Paternity Leave, 11 Paid Holidays, Weekends and Evenings Free, 401(k) with 6% Match, Employer-Paid Pension, Incentive Pay, EAP, Medical, Dental, Vision, Life, Long-Term Disability Insurance, Employer H.S.A. Contribution, Wellness Program and Rewards, Credit Union Membership, Financial Wellness Education
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Read LessSummary: The Consumer Loan Officer provides a full range of products and services to members with an emphasis for acquiring, expanding, and enriching member relationships. The individual in this position must have knowledge of financial services and products including consumer & mortgage lending, deposit accounts, and all self-service products. They must be able to identify and analyze member needs so that they can adequately recommend products and services.
Essential Duties and Responsibilities: Must effectively carry out the essential duties and responsibilities of this position in a manner that consistently demonstrates Sun Federal’s mission and core values in a positive manner. Other duties may be assigned.
The Consumer Loan Officer is directly responsible for the following: Interviewing, taking applications, gathering information, processing documentation, and decisioning consumer loan (Visa, Personal, & Vehicle) requests (within authority level).Counsels members regarding money management and financial matters including conducting credit report reviews. Assists in counseling members whose loan requests were denied, explaining reasons and alternatives.Cross-selling and referring members to Member Service Specialists, Mortgage Loan Officers, Wealth Management, or other business partners based solely on member needs.Executing the branch & credit union business plan as assigned, which includes playbook outbounds to members.Acting as Branch Concierge/Lobby Manager in High-Touch, High-Tech (HTHT) environmentAssumes Responsibility to develop and maintain quality member relationships. Provides personalized, professional service to all members in an exceptional manner, seeking out opportunities to exceed member expectations and deepen relationships.Meets expected service levels for wait time and accuracy.Ensures that all member requests are processed accurately and efficiently.Always acts in the members’ best interest; consistently educating members about their financial choices including convenient service options.Participates in the attainment of individual and branch goals.Displays sound judgment in handling member requests and exceptions, seeking and documenting approval as needed.Assumes responsibility for effectively, receiving, reviewing, processing, and coordinating consumer and business loan functions. Interviews, takes applications, gathers information, and processes preliminary documentation on Business Loan requests.Serves as a backup for Mortgage Loan Officer. Gathers information and processes preliminary documentation on First Mortgage Purchase and Refinances when needed.Evaluates and verifies loan applications and credit criteria. Computes debt ratios. Verifies employment and income. Determines value of collateral. Requests additional information if required.Approves loans within limits of authority, communicates decisions with members and sends appropriate documentation.Declines loans within limits of authority. Reviews denial recommendations with management when necessary.Coordinates and processes closings. Ensures that each loan is promptly and properly prepared, documented, processed, approved, and disbursed.Assists in servicing loans by processing such items as payoffs, refinances, address changes, and collateral releases.Establishes and modifies automatic transfers of consumer loan payments.Recommends problem loan workout arrangements, payment extensions, and payment due date changes as needed to management.Offers SunGuard payment protection, Guaranteed Asset Protection (GAP), and Mechanical Repair Coverage (MRC) coverage to members.Seeks additional lending opportunities within member profiles and credit reports. Creates and develops mutually beneficial solutions (Recaptures) for members and the Credit Union.Ensures that lending operations are conducted in accordance with established Credit Union policies and are legally compliant. Ensures that loan requests are properly documented.Assumes responsibility for the efficient, effective, and accurate performance of member service functions. Actively and professionally cross sells Credit Union servicesActively participates in Branch “Playbook” efforts. Makes assigned outbound calls as directed.Takes ownership of problems, shows empathy and apologizes for errors and follows up appropriately. Utilizes member feedback to enhance service quality, creates equitable solutions, and increases member loyalty.Keeps manager informed of area activities and significant problems.Opens new and closes personal and business accounts.Opens new checking accounts.Opens, renews, performs maintenance on, and closes certificate accounts.Assists with collection efforts under direction of Branch Manager. Refers members to Collections department as necessary.May be responsible for:running and operating cash drawer.opening, transacting (including withdraws, deposits, and transfers), and answering questions regarding Individual Retirement Accounts (IRAs) and Health Saving Accounts (HSAs).visiting partner Sponsor Groups (SGs) in collaboration with Business Development Officers to establish, build, and deepen relationships.clearing minor faults, currency jams and other light duty (or “first line”) ITM/ATM troubleshootingExecutes areas of branch Cross Training Matrix as directed by management.Ensures that work area is clean, secure, and well maintained. Assists with branch/department presentation.Qualification Requirements: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of knowledge, skill and/or ability required. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions. The individual must be able to successfully pass background checks.
Education/Certification: High school graduate with required loan training and certification. Notary Public required. Ability to maintain current NMLS#.
Required Knowledge: Knowledge of Credit Union loan services, policies, and procedures. Understanding of related legal and regulatory standards (i.e. HMDA) and required loan documentation. Understanding of the foundation of determining credit worthiness. Knowledge of consumer and residential lending practices. Familiarity with title reports, insurance, and appraisals.
Experience Required: Minimum three to five years of experience in credit and lending at a previous financial institution or one to three years of experience as a Member Service Specialist at Sun Federal Credit Union.
Skills/Abilities: Excellent interviewing, communication, and public relations skills. Displays a professional image and attitude that promotes Sun Federal’s brand and culture. Demonstrated ability to provide remarkable members service and staff support. Demonstrated ability to work under and meet deadlines; and work with multiple priorities. Strong interpersonal and administrative skills. Strong PC skills with the ability to use and instruct others on Microsoft Windows, Word, Excel and Outlook; Branch Suite, Loans PQ, and related computer applications. Ability to operate other business equipment including calculators, typewriter, printer, telephone, and notary stamp. Proven teamwork skills. Must be fluent in English with excellent written and verbal communication skills. Demonstrated strong analytical, financial, and problem-solving skills within a retail environment.
Physical Activities and Requirements
Talking: Especially where one must frequently convey detailed or important instructions or ideas accurately, loudly, or quickly.
Average Hearing: Able to hear average or normal conversations and receive ordinary information.
Repetitive Motion: Movements frequently and regularly required using the wrists, hands, and/or fingers.
Average Visual Abilities: Average, ordinary visual acuity necessary to prepare or inspect documents or products, or operate machinery.
Physical Strength: Sedentary work; sitting most of the time. Exerts up to 10 lbs. of force occasionally. (Almost all office jobs.)
Working Conditions: No hazardous or significantly unpleasant conditions (such as in a typical office). Ability to handle stressful situations as they occur.
Mental Activities and Requirements
Reasoning Ability: Ability to apply common sense understanding to carry out detailed but uninvolved instructions and to deal with problems involving a few variables.
Mathematics Ability: Ability to compute discount, interest, profit, and loss; commission markup and selling price; ratio and proportion and percentage. Able to perform very simple algebra.
Language Ability: Ability to read a variety of books, magazines, instruction manuals, atlases, and encyclopedias. Ability to prepare memos, reports, and essays using proper punctuation, spelling and grammar. Ability to communicate distinctly with appropriate pauses and emphasis; correct punctuation (or sign equivalent), and variation in word order; using present, perfect, and future tenses.
Employee Benefits
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Tuition Reimbursement, Promote From Within Philosophy, Professional Development, Work/Life Balance, Paid Vacation and Sick time, 11 Paid Holidays, Paid Paternity Leave, Weekends and Evenings Free, 401(k) with 6% Match, Employer-Paid Pension, Incentive Pay, EAP, Medical, Dental, Vision, Life, Long-Term Disability Insurance, Employer H.S.A. Contribution, Wellness Program and Rewards, Credit Union Membership, Financial Wellness Education
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