Employment Opportunities

 

APCO Employees Credit Union full-time employees receive world-class benefits, including:

  • Blue Cross Blue Shield Health, Dental and Vision insurance with prescription drug coverage
  • Health and Dependent Care Flexible Spending Accounts
  • 10 paid holidays
  • Paid vacation accrued at a rate equivalent to 10 days in a 12 month period
  • Paid sick time accrued at a rate equivalent to 10 days in a 12 month period
  • Yearly bonus, subject to the approval of the Board of Directors*
  • Employer paid accidental death & dismemberment insurance
  • Employer paid basic life insurance
  • Employer paid long-term disability
  • 401k with dollar for dollar match up to 5%*
  • Employer-funded defined benefit plan*
  • Tuition reimbursement up to $5,000 annually

*These benefits are also available for part-time employees.

Available Positions

Full-Time Member Service Representative (MSR)

Birmingham Area and Tuscaloosa Locations

Key/Representative Activities:
Responsible for providing a variety of paying and receiving functions for members in person and via phone. Accepts cash and check deposits, accurately and efficiently processes withdrawals and cashes checks within authority level, loan payments, cashiers’ checks, money orders and cash advances. Proactively participates in cross-selling of Credit Union products and services. Performs specific assigned side-jobs with regular duties as needed. Serves members promptly and professionally, MSR’s are responsible for the first impression made on members when they enter our branches. This position also ensures that all member questions and concerns can be addressed while receiving quality service from entrance to exit.

Essential Qualifications & Competencies:
Cash handling or MSR experience; typing, Excel, Microsoft Office Suite is a plus; friendly and professional; strong problem solving skills; four-year college degree preferred.

Part-Time Member Service Representative (MSR)

Birmingham Area, Anniston and Tuscaloosa Locations
Part-time hours will vary from branch to branch depending on which hours and days the help is needed.

Key/Representative Activities:
Responsible for providing a variety of paying and receiving functions for members in person and via phone. Accepts cash and check deposits, accurately and efficiently processes withdrawals and cashes checks within authority level, loan payments, cashiers’ checks, money orders and cash advances. Proactively participates in cross-selling of Credit Union products and services. Performs specific assigned side-jobs with regular duties as needed. Serves members promptly and professionally, MSR’s are responsible for the first impression made on members when they enter our branches. This position also ensures that all member questions and concerns can be addressed while receiving quality service from entrance to exit.

Preferred Competencies:
Cash handling experience / Customer service experience

Assistant Branch Supervisor

Jasper Branch

The Assistant Branch Supervisor is responsible for backing up the Branch Supervisor, assisting with day-to-day operations of the branch, and handling member lending needs as they arise.

The Assistant Branch Supervisor reports to the Branch Supervisor position but will work with other departmental managers and receive direction from the Lending Manager and Lending Supervisor as needed. The position is responsible for the direct supervision of all branch level employees when the Branch Supervisor is absent.

The position is responsible for the first impression made on members when they enter a Credit Union branch location. The Assistant Branch Supervisor ensures the member receives quality service from entrance, throughout the transaction and exit. Provides information and assists in lending process and product sales and services.

Key/Representative Activities:

  • Handles branch lending duties as needed, including underwriting loans
  • Must be familiar with all Credit Union lending policies and procedures
  • Ensures compliance and security in operational procedures and policies
  • Responsible for assisting with branch audits
  • Oversees MSRs at the branch
  • Interacts with the member and addresses all questions and concerns
  • Implements all management approved decisions to branch
  • Monitors and coaches employees as needed when Branch Supervisor is absent

Essential Qualifications & Competencies:

  • Bachelor’s degree preferred
  • 1-3 years experience in a banking or financial setting
  • Supervisory experience preferred
  • Must have excellent customer service skills
  • Ability to communicate eloquently via spoken word or written text
  • Knowledge of financial institution operations
  • Must have knowledge of Credit Union lending policies and procedures
  • Must be detail oriented
  • Ability to multitask and focus on numerous projects simultaneously

Card Services Fraud Analyst

Main Office

The Card Services Fraud Analyst is responsible for monitoring credit and debit card transactions for fraudulent behaviors. This position will work with members and vendor on disputed and fraud cases.

The Card Services Fraud Analyst reports to the Head of Card Services. This position’s primary responsibility will be centered around fraud and disputes and work on other day to day duties as needed.

Key/Representative Activities:

  • Monitors credit and debit card transactions for fraudulent behaviors
  • Works with management and vendor on fraud mitigation and trends
  • Reviews and processes daily dispute and fraud cases & GL entries
  • Provides daily guidance on credit and debit card dispute & fraud issues
  • Works with card specialists on daily tasks to ensure all completed
  • Responds to email and phone calls from members and APCO personnel
  • Works with vendors on processing and system issues
  • Responsible for documenting procedures to ensure accurate and up to date
  • Works with management on monthly and quarterly reports
  • Works with management on product strategies and project implementation

      Essential Qualifications & Competencies:

      • Bachelor’s degree or equivalent experience required
      • 3-5 years of Card fraud experience required
      • Reg E and Reg Z knowledge and experience preferred
      • Experience with Fiserv strongly preferred
      • Excellent oral, written, and interpersonal communication skills
      • Excellent organizational and time management skills, with an ability to multi-task
      • Solid understanding of technology, card systems, and software

        Contact Center Representative

        Main Office

        The Contact Center Representative is responsible for providing a variety of member service functions and have knowledge of all member service functions within the Credit Union.

        Contact Center Representatives answer incoming calls from members on various service-related issues.  Contact Center Representatives are the primary contact point for members and serve as the voice of the Credit Union. Contact Center Representatives are responsible for troubleshooting general member service issues, deescalating member frustrations, presenting suggestions and solutions to member concerns as well as offering appropriate products and services that benefit the member.  Contact Center Representatives are responsible for projecting a professional image through voice, in writing and online interactions.

        Key/Representative Activities:

        • Answer incoming calls and provide one call resolutions whenever feasible
        • Processes basic transactions such as deposits, withdrawals, transfers, and payments
        • Resolve member complaints and concerns with limited assistance
        • Identify and escalate issues to supervisor or appropriate team member
        • Timely follow up with members when required
        • Prepares and completes documentation accurately
        • Identify, research, and resolve general member issues with limited assistance
        • Stay up to date on new products, policies, procedures and regulations
        • Fulfill product and service orders generated by member requests
        • Document call information according to department standards
        • Work closely and effectively with co-workers to reach department goals and complete various tasks
        • Recognize, document and communicate call trends to department management
        • Cross-sell products and services
        • Other duties as assigned

        Essential Qualifications & Competencies:

        • High school diploma
        • Some college experience preferred
        • Professional, well-developed, interpersonal skills necessary for servicing and for projecting a positive image to members of the Credit Union
        • 1 – 3 years of experience in call center environment preferred
        • Customer service experience required preferably in financial services
        • Accurately conveys detailed or important instructions
        • Strong listening, verbal, and written communication skills
        • Excellent data entry and keyboarding skills
        • Excellent multi-taking skills
        • Ability to learn and function effectively in various computer and software systems simultaneously
        • Requires ability to occasionally lift to 15 pounds
        • Requires specific vision abilities such as close vision, adjusting focus for close computer work, and some color vision
        • Ability to use primarily the fingers for typing, picking up small objects, or pinching fingers together
        • Ability to hear for normal conversations and to receive ordinary information
        • Ability to sit for up to eight hours
        • Ability to manage stressful situations professionally and appropriately
        • Ability to thrive in a fast-paced work environment

        CUSO Loan Processor

        Main Office

        The Loan Processor handles loan processing for the Credit Union with an emphasis on attention to detail customer service. The Loan Processor reports directly to the Lending Supervisor or CUSO Supervisor but may receive guidance from any of the Loan Counselors or Lending Manager. This position has no supervisory responsibility.

        Key/Representative Activities:

        • Monitors loan ratio worksheets
        • Brings loans to managers or underwriters for final approval
        • Works with members to generate personal/mortgage loans and follows loans from application to completion
        • Responsible for building loan files and keeping them up to date
        • Generates member loans and assists with completion of initial loan documents
        • Interacts with members to address concerns, questions, and complaints
        • Assists Loan Counselors with the servicing of CUSO mortgage loans

        Essential Qualifications & Competencies:

        • Bachelor’s degree preferred
        • 1-2 years professional experience, financial/banking background preferred
        • A knowledge of credit union and CUSO operations
        • Proficient with Microsoft Excel
        • Must have strong analytical ability
        • Detail oriented
        • Ability to work with employees at all levels of the organization
        • Comfortable with face-to-face member interaction
        • Must be able to handle multiple projects and tasks to meet deadlines

        IT Representative

        Main Office

        The IT Representative is responsible for general IT duties and assisting users with IT troubleshooting. This position assists with general IT troubleshooting, answers questions by phone for user inquiries, and runs daily reports.

        The IT Representative reports to the IT Manager and has no supervisory responsibility.

        Key/Representative Activities:

        • Performing daily procedures for IT department to ensure consistent operations
        • Providing general IT and Help Desk support
        • Assisting IT department with duties as needed
        • Installing and upgrading company hardware and software
        • Installing service packs and software patching
        • Building, testing, and applying Thin Client infrastructure
        • Assisting with Credit Union projects
        • Assisting with IT security

        Essential Qualifications & Competencies:

        • Bachelor’s degree in IT or related field preferred
        • 1-2 years of IT experience preferred
        • CompTIA and A+ certification preferred
        • Sound analytical and problem-solving skills, etc.
        • General understanding of server knowledge
        • Familiarity with communication equipment
        • Strong verbal communication skills and detail orientation
        • General computer and IT skills

        Physical Requirements

        • Exerting up to 10 pounds of force occasionally and/or negligible amount of force frequently or constantly to lift, carry, push, pull or otherwise move objects. Sedentary work involves sitting most of the time
        • Picking, pinching, typing or otherwise working primarily with fingers rather than with the whole hand
        • Substantial movements (motion) of wrists, hands, and/or fingers

        Loan Counselor

        Main Office

        The Loan Counselor is a position that processes loan paperwork for members.  The loan counselor is responsible for making lending decisions following the Credit Union’s loan policies and procedures.

        The Loan Counselor reports to the Loan Department Supervisor (or Branch Supervisor depending on location), Mortgage Supervisor, or CUSO Manager but will work with other branch managers and receive direction from the Loan Manager as needed. The position has no supervisory responsibility.

        The position is responsible for the processing of all loan paperwork submitted by members either in person or online and making lending decisions.

        Key/Representative Activities:

        • Responsible for making sound lending decisions based on CU Loan Policy
        • Assists members with all loan related questions or concerns
        • Helps members complete loan paperwork
        • Finalizes all loan documentation
        • Submits all approved loans weekly for reporting and filing
        • Cross-sells all CU loan products and all other CU services

        Essential Qualifications & Competencies:

        • Bachelor’s degree preferred
        • 1 year of related experience preferred
        • Excellent written and oral communication skill
        • Ability to handle confidential information
        • Must have excellent member service skills
        • Ability to multitask
        • Must be able to work in a team environment and take direction from multiple supervisors/managers
        • Work must be completed with quality and accuracy – detail oriented
        • Organizational skills
        • Proven ability to meet deadlines

         

         

        Click here to download our application. Send a completed application along with a copy of your resume to jobs1@apcocu.org

         


        APCO Employees Credit Union job descriptions are not intended to provide an all-inclusive listing of related job activities. Associates may be requested by management to perform other related activities in place of or in addition to those representative activities noted in this job description. APCO Employees Credit Union is proud to be an Equal Employment Opportunity and Affirmative Action employer. We do not discriminate based upon race, color, religion, creed, gender identity or expression, national origin, age, disability status, pregnancy, protected veteran status, sex, sexual orientation, citizenship status, genetic information, or any other status legally protected under federal, state, county or local regulations.