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EPB Employees Credit Union
Job Descriptions
Last Revised March 20, 2003

The information contained herein is for the Directors, Officers, Employees and Members of EPB Employees Credit Union, 1500 McCallie Avenue, Chattanooga, Tennessee, USA. It is provided as both a convenience and as an off-site backup in case of an emergency. No authorization is given to any other person or entity to use this information in part or in whole.

Manager -- Assistant Manager -- Accounting Manager -- Branch Manager
Senior Loan Officer -- Member Services Representative I
Member Services Representative II -- Part-time Teller -- Security Officer

EPB Employees Credit Union
Personnel Policy Job Descriptions

MANAGER

Primary Function:

To implement policies and decisions of the Board of Directors and to originate/implement plans and procedures affecting the success of such policies and decisions.

Responsibilities:

  1. Attend all Board meetings and report to the Directors on all pertinent situations affecting the Credit Union.
  2. Report on the progress toward identified objectives established by the Board.
  3. Conduct studies and research for the Board of Directors regarding personnel, savings and lending policies, insurance, new programs and other subjects as assigned.
  4. Maintain both public and Credit Union relations with the organized credit union movement.
  5. Submit to appropriate government officials and agencies all information required by law or requested from the Board.
  6. Approve for payment all Credit Union expenses according to policy.
  7. Ensure that all assets of the Credit Union are adequately insured and protected.
  8. Maintain and safeguard the Credit Union's minute books and other legal documents.
  9. Institute audits in whatever areas or transactions are considered necessary.
  10. Serve as a member of the Personnel Committee in hiring, promoting, transferring and discharging office staff. Also, responsible for maintaining a competent staff.
  11. Coordinate and direct work schedules and duties of all employees.
  12. Handle "problem" situations.
  13. Maintain current job descriptions.
  14. Maintain Credit Union employee evaluations.
  15. Prepare the Credit Union's payroll.
  16. File appropriate W-2's and state tax withholding records.
  17. When needed, initiate in-service training programs.
  18. Serve as a Notary Public.
  19. Serve as a Loan Officer.
  20. Serve as the Delinquent Loan Officer/Collections Officer.
  21. Recommend to the board problem loans for charge-off and process approved charge-offs accordingly.
  22. Prepare Credit Disability Insurance and Loan Protection/Life Savings Insurance claims.
  23. Open and maintain certificates and IRA accounts.
  24. Answer telephone inquiries.
  25. Control cash levels by investing excess funds according to policy.
  26. Handle additional duties as assigned by the Board.

 


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EPB Employees Credit Union
Personnel Policy Job Descriptions

ASSISTANT MANAGER

Primary Function:
To oversee the overall operations of the Credit Union and to perform as Acting Manager in the Manager's absence.

Responsibilities:

  1. Attend Board Meetings and assist the Manager in reporting to the Board.
  2. Maintain the Credit Union Policy Manual.
  3. Instruct office staff regarding policy and procedure changes.
  4. Direct and coordinate all approved programs, projects and major activities of the Credit Union staff under the supervision of the Manager.
  5. Plan, formulate and recommend to management operational policies and programs that will further the objectives of the Credit Union.
  6. Prepare the Credit Union's Business Plan when needed.
  7. Test the Credit Union's Disaster Recovery Plan according to policy.
  8. Keep the Manager abreast of Credit Union conditions, operations and influencing factors.
  9. Know all phases of account procedures to assist when needed.
  10. Process the Credit Union's payroll in the absence of the Manager.
  11. In the Manager's absence, handle investments of the Credit Union's excess cash according to policy.
  12. Prepare the federal tax deposits on a timely basis.
  13. Learn all phases of the CUSA Data Processing System and be able to make corrections, assist in hardware and software upgrades, and enter new information as needed.
  14. Maintain knowledge of the personal computer and the various programs used by the Credit Union.
  15. Maintain the Credit Union's website.
  16. Process and submit Credit Disability and Life Savings/Loan Protection claims and process payments when needed.
  17. Assist the Loan Officers with mortgage lending.
  18. Initiate and maintain purchase and maintenance contracts according to policy.
  19. Purchase or initiate repair to the Credit Union's furniture, fixtures, equipment and building assets according to policy.
  20. Perform duties of the Accounting Manager in his/her absence.
  21. Reconcile the Volunteer Corporate Credit Union monthly statement.
  22. Be able to assist all office staff in their work.
  23. Answer telephones as needed.
  24. Serve as a Notary Public.
  25. Perform other duties in all areas as directed by the Manager.

 


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EPB Employees Credit Union
Personnel Policy Job Descriptions

ACCOUNTING MANAGER

Primary Function:

To prepare all financial reports for Board and governmental agencies.

Responsibilities:

  1. Attend all Board meetings and assist the Manager in reporting to the Board.
  2. Maintain knowledge of the personal computer and the various programs used by the Credit Union.
  3. Learn all phases of the CUSA Data Processing System and be able to make corrections, assist in hardware and software upgrades, and enter new information as needed.
  4. Maintain appropriate backup tapes and backup procedures to the CUSA Data Processing System.
  5. Perform proper daily, monthly, quarterly and year-end CUSA Data Processing close-out procedures.
  6. Maintain the general ledger.
  7. Prepare the Balance Sheet, Income Statement, Statement of Cash Flows, Investment Listing, Spread Analysis, Reserve Requirement, Delinquent Loan Report, Loan Loss Analysis Report, Membership Report and any additional financial related reports that will be submitted to the Board in a timely manner and on a monthly basis.
  8. Prepare and submit when appropriate the annual budget, the City of Chattanooga's Tangible Personal Property Report, Form 990 federal tax return, the Federal Reserve Form FR2910a and the quarterly NCUA Call Reports.
  9. Maintain the Credit Union's Furniture, Fixtures and Equipment listing, the subsidiary ledger for investments, the Prepaid Schedule, and all historical general ledger data.
  10. Order the appropriate cash for teller drawers when needed.
  11. Be able to operate a cash drawer when necessary.
  12. Answer telephones as needed.
  13. Assist members needing access to their safe deposit boxes.
  14. Maintain knowledge of the Internet.
  15. Receive and route email directed to the Credit Union.
  16. Be able to process ACH, Visa Check Card, Visa and MasterCard credit cards, share drafts, bill payer, and CDI and LP/LS insurance claims and postings.

 

 

 

 

 

 

 


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EPB Employees Credit Union
Personnel Policy Job Descriptions

BRANCH MANAGER

Primary Function:

To oversee all factors related to the daily operation of the downtown branch office and to provide backup/relief for the main office.

Responsibilities:

  1. Maintain branch office public relations with EPB.
  2. Establish and maintain branch office opening and closing procedures.
  3. Maintain and balance a teller cash drawer.
  4. Process deposits, payments, withdrawals and transfers on the Credit Union's data processing system.
  5. Answer telephones as needed.
  6. Perform minor typing.
  7. Oversee the EPB payroll deduction system.
  8. Post EPB payroll when needed.
  9. Assist with the daily closing procedure on the Credit Union's data processing system when needed.
  10. Process mail.
  11. Sell and process Travelers Cheques and Money Orders.
  12. Maintain Travelers Cheques and Money Orders inventory.
  13. Assist with routine accounting activities.
  14. Assist with the night drop opening and processing.
  15. Assist with the 1st and 15th of the month transfers.
  16. Open/close safe deposit boxes.
  17. Assist members needing access to safe deposit boxes.
  18. Maintain safe deposit box inventory, billing system and rental records.
  19. Verify closed loans information to the Credit Union's data processing system.
  20. Open/close member accounts.
  21. Process share draft re-orders, stop payments, and photo-copy requests.
  22. Open/maintain/close Visa Check Card and Visa and MasterCard credit card accounts.
  23. Provide assistance with the daily processing of ACH, bill payer, Visa Check Card and share drafts when needed.
  24. Assist in other areas as directed.

 

 

 

 

 

 


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EPB Employees Credit Union
Personnel Policy Job Descriptions

SENIOR LOAN OFFICER

Primary Function:

To assist members with all financial services on the delivery of those services in the most efficient manner possible and direct other daily operations of the Credit Union as needed.

Responsibilities:

  1. Conduct loan interviews and counsel loan applicants.
  2. Obtain credit reports according to loan policy.
  3. Be able to process all types of Credit Union loans.
  4. Monitor all loans for proper hazard/collision insurance coverage.
  5. Check all loans processed weekly for the Credit (Loan) Committee report.
  6. Serve on and meet with the Credit (Loan) Committee as often as required.
  7. Maintain the Incomplete File on auto loans until the title and insurance is received.
  8. Submit required information for Collateral Protection Insurance when needed.
  9. Review term note loans and send notice/payment due letters when needed.
  10. Reconcile the Credit Union's main operating account statement (currently at SunTrust Bank).
  11. Handle routine correspondence.
  12. Assist the Manager with loan delinquencies.
  13. Open certificate and IRA accounts and handle renewals when needed.
  14. Prepare Credit Disability Insurance (CDI) claim notification information.
  15. Maintain a working knowledge of the Credit Union's data processing system.
  16. Answer telephones as needed.
  17. Serve as a Notary Public.
  18. Assist in any areas as directed by the Manager or his/her assistant in any other staff position in a relief capacity.

 

 

 

 

 

 

 

 

 

 

 

 

 

 


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EPB Employees Credit Union
Personnel Policy Job Descriptions

MEMBER SERVICES REPRESENTATIVE ( I )

Primary Function:

To process members' transactions and to assist with Credit Union services.

Responsibilities:

  1. Maintain and balance a teller cash drawer.
  2. Process deposits, payments, withdrawals and transfers on the Credit Union's data processing system.
  3. Function as a relief person for the Credit Union's branch office.
  4. Answer telephone inquiries.
  5. Perform minor typing.
  6. Prepare checks for paying Credit Union invoices.
  7. Maintain files for paid invoices.
  8. Order and maintain the Credit Union's daily office supplies when needed.
  9. Process mail.
  10. Assist with the night drop opening and processing.
  11. Sell and process Travelers Cheques and Money Orders.
  12. Assist with routine accounting activities.
  13. Process 1st and 15th of the month transfers.
  14. Assist with filing.
  15. Open/close member accounts.
  16. Open/close safe deposit boxes.
  17. Assist members needing access to safe deposit boxes.
  18. Process share draft re-orders, stop payments, and photo-copy requests.
  19. Open/maintain/close Visa Check Card and Visa and MasterCard credit card accounts.
  20. Provide assistance on processing ACH, bill payer, Visa Check Card and share drafts when needed.
  21. Assist in other areas as directed.

 

 

 

 

 

 

 

 

 

 

 


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EPB Employees Credit Union
Personnel Policy Job Descriptions

MEMBER SERVICES REPRESENTATIVE ( II )

Primary Function:

To process members' transactions and to assist with Credit Union services.

Responsibilities:

  1. Maintain and balance a teller cash drawer.
  2. Process deposits, payments, withdrawals and transfers on the Credit Union's data processing system.
  3. Answer telephone inquiries.
  4. Perform minor typing.
  5. Process mail.
  6. Sell and process Travelers Cheques and Money Orders.
  7. Assist members needing access to safe deposit boxes.
  8. Assist with routine accounting activities.
  9. Provide backup to processing 1st and 15th of the month transfers.
  10. Assist with filing.
  11. Open/close member accounts.
  12. Process share draft re-orders, stop payments, and photo-copy requests.
  13. Open/maintain/close Visa Check Card and Visa and MasterCard credit card accounts.
  14. Provide assistance on processing ACH, bill payer, Visa Check Card and share drafts when needed.
  15. Assist in other areas as directed.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 


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EPB Employees Credit Union
Personnel Policy Job Descriptions

PART-TIME TELLER SERVICES

Primary Function:

To be available at peak periods and to provide relief for Member Services Representatives by processing members' transactions and to assist with Credit Union services.

Responsibilities:

  1. Maintain and balance a teller cash drawer.
  2. Process deposits, payments, withdrawals and transfers on the Credit Union's data processing system.
  3. Answer telephone inquiries.
  4. Perform minor typing.
  5. Process mail.
  6. Sell and process Travelers Cheques and Money Orders.
  7. Assist members needing access to safe deposit boxes.
  8. Open new member accounts.
  9. Assist with routine accounting activities.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 


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EPB Employees Credit Union
Personnel Policy Job Descriptions

SECURITY OFFICER

Primary Function:

To maintain a "robbery deterrent" presence and to provide appropriate protection of Credit Union assets.

Responsibilities:

  1. Be a duly sworn, certified law enforcement officer currently employed by the City of Chattanooga, Hamilton County, State of Tennessee, or a federal agency of the United States of America.
  2. Report for duty only if eligible to do so (not under a department suspension or investigation).
  3. Maintain an armed presence, and be licensed and trained to do so.
  4. Automatically report for duty all day on the day before an EPB payday and for the morning half of each EPB payday.
  5. Be available to assist with Security Officer duties at other times as requested by Credit Union Management.
  6. Primarily occupy the lobby area and maintain a visible presence to all visitors.
  7. Concentrate on the security of the office.
  8. Avoid distractions such as telephone and personal computer usage.