JOB ANYLISIS

Human
Resource
REPORT
Management
Aaron J.
Perry
Final

Introductory Overview

My name is Aaron Perry with the following Group Members Rashad Marriot
and Tim M. We were asked to conduct and interview with Homefeild Credit
Union, to gain not only practice, but also knowledge of specific Job
descriptions. In doing so, I was asked to interview the AVP (Assistant Vice
President) of the Credit Union. I was In deed nervous to interview the second
person in command, but my nerves started to become excitement; In getting
to know the AVP along with getting the Job Description. Overall I believe that
this interviewing process went extreme well and thankful for the opportunity
and a chance to do this assignment. Home field Credit Union is a communitybased credit union founded in 1966. Originally chartered as Grafton
Suburban Credit Union with a field of membership including those in the
Greater Grafton area, HCU has grown to include a field of membership
encompassing all of Worcester and Middlesex counties. Once you are a
member of Home field Credit Union, you are always a member, meaning that
once you have established and maintain a membership in good standing you
may remain a member no matter where you work or live.

Group Task Statements into a Job Duty

For Job of: Homefeild Credit Union
Assistant Vice President of Consumer Credit

Task Statements:

A: Underwrites all consumer loans, reviews, develops and implements new consumer lending
activities and organizational strategies.
B: Monitors the effectiveness of department operations and recommends refinement of policies,
procedure and rates as needed
C:Develops and ensures the effectiveness of the department's staff through consistent compliance
training software and/or system training and coaching to meet established departmental goals

Relative Importance

Job Duty

Relative time spent

50

Composes/Underwrit
es all consumer
loans. Also writes
Consumer Lending
Activities and strategies.
Prepares and submits
regular reports; audits
and regularity exams

45

30

Coaches Loan
department/ Service
team. More so, other
departments whom are
seeking help with
policies and applicable
regulations.

38

10

Reviews staff activities,

conducts performance reviews
in a timely manner, assists in
hiring and makes staffing
recommendations as
appropriate.

10

10

Represents HCU at
networking events and
performs business
development activities to
increase community visibility
and attract new business
opportunities.

Task Statements:
What?

To:

How?

Why?

Whom/Wh
at?
Writes

Companies
consumer
Loans. Also
writes
Consumer
Lending
Activities and
strategies.
Prepares and
submits
regular
reports; audits
and regularity
exams

Using Microsoft
Word and other
applications
provided by the
company.

To implement new
consumer lending
activities and
organizational
strategies. More so,
construct powerful
emails, white papers
and other documents
to show the company
and other companies
in relation.

Supervises

Oversees
consumer
leading
Activities

By analyzing
and evaluating
consumer loans.
(Such as credit
cards, store
cards,
Motor(auto)
finance and
personal loans)

To ensure the
companies success
with the consumer
loan process. Further,
to ensure compliance
and accuracy with the
companies strategic
goals.

Coach

Loan
department/
Service team.
More so, other
departments
whom are
seeking help
with policies
and applicable
regulations.

By providing
guidance to the
departments
with refined and
precise answers.
Following up
questions
regarding the
department and
their functions.

To certify and maintain

a cohesive
environment for the
staff so that the
company as a whole
can reach the targeted
loan volume.

(Acts) Head
Mortgage
Loan
Originator

Works with the

borrower to
complete
mortgage
transactions

By for filling
requirements to
maintain federal
regulation

The company needs to

understand the
borrowing process end
to end as well as many
different programs
available to you so
that the credit union
can determine which
program is best for the
costumer

Matrix:

Job Duty

Task
Statement
s

Relative
Importanc
e of Job
Duty (% )

Relativ
e Time
Spent

Competency or
KSAOs

(%)

Imp
KSA
Com
task
Perf
(1=
high

(E=

Writer

1.Writes
Companies
consumer
Loans.

70%

30%

2. Also
Writes
Consumer
Lending
Activities
and
strategies.
Prepares
and submits
regular
reports;
audits and
regularity
exams.

Supervision

Supervises
1.Oversees
consumer
leading
2.
Activities
and
analyzing
and
evaluating
consumer
loans.
(Such as
credit cards,
store cards,
Motor(auto)

80%

45%

1. The ability
to develop
company
statements
letters and
emails.
2. Time
manageme
nt skills
3. Knowledge
of the
company
regulations
and
activities

9.2

1. Ability to
work with
diverse
people
2. Ability to
delegate
3. Negotiation
skills
4. Leadership
ability
5. Prioritizing

9E

7.6

9.0

8.3

8.5

finance and

8.0

9E
Coaches

(Acts) Head Mortgage

Loan Originator

1.Loan
department/
Service
team. More
so, other
department
s whom are
seeking
help with
policies and
applicable
regulations.
2.Provides
guidance to
the
department
s with
refined and
precise
answers.
Following up
with
questions
regarding
the
department
and their
functions.

90%

1.Works
with the
borrower to
complete
mortgage
transactions
2. Filling
requirement
s to
maintaining
federal
regulation

53%

30%

70%

1. Listening
skills
2. Communica
tion skills
3. Empathy
4. Empowerm
ent
5. Motivationa
l speaking
6. Mapping
bench
marks and
delegating
strategic
goals for
the
department
.

1. The ability
to work the
diverse
people
2. Listen skills
3. Knowledge
of federal
regulation

9E

9E

8.0

7.9

9.7

8E

9.8

Critical Incident:
Circumstances

Action

Consequences

The Employee had a

lack of ambition and
drive to finish
assignments on time.

Verbal warning then a

Written warning.

Employee failed to
comply with the
companies policies,
further forced to be
laid off

Employee and
customer had gotten
into argument over
mortgage loans

Had to ask the

customer to kindly
leave

Employee was given a

verbal warning and
then proceeded to
diffuse the situation
with the customer.

Customer failed to
pay back his/her car
loans

Had a meeting with

him/her to discuss
what the bank can do
to help the customer
pay off the loan

Repossession is the
worse case scenario
but unfortunately
happened to the
customers vehicle

Component B
Homefield Credit Union
(Job Analysis and Competency Model)

Title:

AVP Consumer Loans Grade:

Reports To:
Supervises:

EVP/Chief Business Officer

11
Classification:

Exempt

2-3

ROLE
Oversees consumer lending activities, procedures, policies, strategies,
compliance and staff. Principal decision maker for entire consumer loan
process including origination, processing, underwriting, approval and closing,
ensuring accuracy and compliance.

RESPONSIBILTIES

o
Underwrites all consumer loans, reviews, develops and implements new consumer
lending activities and organizational strategies.
Oversees and coordinates the promotion of all consumer lending products including
protection insurance. Conducts product research, including rate surveys, and
recommends adjustments to rates as well as new products and services.
Prepares and submits regulatory reports as required and assists with audits and regulatory
exams
Monitors the effectiveness of department operations and recommends refinement of
policies, procedure and rates as needed.
Ensures department and staff compliance with all applicable laws and regulations.
Develops and ensures the effectiveness of the department's staff through consistent
compliance training software and/or system training and coaching to meet established
departmental goals.
Communicates and coaches effectively to ensure a cohesive, well trained and motivated
staff to reach or exceed targeted loan volume.
Reviews staff activities; conducts performance reviews in a timely manner, assists in
hiring and makes staffing recommendations as appropriate.
Works closely with other departments including collections to monitor delinquencies and
mitigate loss; IT to coordinate processing needs and maintenance of loan origination
software and marketing to develop loan promotions.

Assists in coaching other departments on consumer lending products and services and
referrals.
Represents HCU at networking events and performs business development activities to
increase community visibility and attract new business opportunities.
Maintains knowledge of competitor's consumer lending activities and promotions and
makes recommendations to promote HCU's products.
Acts as mortgage loan originator (MLO), fulfilling all requirements to maintain federal
registration in the NMLS.

Other Functions

Performs other job related duties as may be needed to achieve objectives and ensure the
successful operation of the Credit Union.

EDUCATION/EXPERICE REQUIRMENTS
-

Bachelor's degree or equivalent through specialized coursework, training and experience.

Five or more years of consumer loan underwriting, progressively responsible experience
within the banking industry and considerable exposure to risk-based consumer lending.
Thorough knowledge of lending compliance, documentation, criteria and analysis.
Excellent managerial, organizational, and decision making skills.
Extensive knowledge of regulations affecting consumer lending such as TIL, Equal
Credit Opportunity, Community Reinvestment Act, BSA and SAFE Act.

COMPANIES MAIN GOAL FOR CANDIDATE

To perform this job successfully, an individual must be able to perform each essential duty
satisfactorily. Reasonable accommodations may be made to enable individuals with disabilities to
perform the essential functions.

KNOWLEDGE/SKILLS
-

Excellent written and verbal communication skills with ability to effectively

communicate in person, on the phone and electronically. Punctuality, dependability,
initiative, resourcefulness. PC literate and proficiency with Microsoft Word, Excel and
ability to adapt to job related technologies.

Adherence to all personnel policies, procedures and guidelines contained in the Employee

Handbook.
Maintains productive, professional relationships with all internal and external members,

working closely with peers and managers where applicable.

Team Player who Fosters teamwork and cooperation among peers

Leadership & Integrity: Leads by example, understands and supports the Credit Unions
purpose; builds trust among colleagues, is accountable for actions and fosters high ethical

standards.
Interpersonal Skills: Relates to employees, faculty and other staff members in a

cooperative manner that helps others to achieve their best.

Productivity/Organizing/Planning: Meets deadlines, demonstrates effect use of time and

handles multiple assignments effectively.

Service Focused: Proactively supports Credit Unions culture which provides quality

service to meet its vision, values and goals.

Continuous Learning: Exhibits willingness and commitment to developing personal and

professional abilities of self and department staff.

Management Competencies:
Leading Change: Energizes and alerts individuals to the need for specific change.

Champions change efforts.

Collaboration: Promotes and generates cooperation among peers to achieve a collective
outcome; fosters the development of a common vision and participates in creating a

unified team that gets results.

Creating & Inspiring a Shared Vision: Drives a shared understanding of a long-term
vision that reflects what the Credit Union needs to look like and how it needs to operate

in the future.
Service Focused: Creates and sustains an organizational culture which encourages others

to provide the quality of service essential to high performance.

Strategic Business Leadership: Capitalizes on opportunities and manages risk. Provides
focus and direction for the constant stream of organizational and individual actions.

Achieves results: drives accountability and continuous improvement. Possesses the

ability to make timely and effective decisions and produces results through planning,

implementation and evaluation of programs and policies.

Business Acumen: Ability to acquire and administer human, financial, material and
information resources in a manner that instills trust and accomplishes HCUs vision,

mission, values and goals.

People Management: Ability to implement strategies that maximize employee potential

and foster high ethical standards in meeting HCUs vision, mission, values and goals.
Continuous Learning: Exhibits commitment to developing personal and professional
abilities of self and all department staff.

BASIC REQUIRMENTS

While performing the duties of this position, the individual is required to use hands,

handle and feel objects, tools or controls; reach with hands and arms; talk and hear.
The individual is frequently required to stand, walk and sit.
The individual is occasionally required to stoop, kneel, crouch or lift up to 15 pounds.
Specific vision abilities required include close vision, distance vision, color vision,
peripheral vision, depth perception, and the ability to adjust focus.

GENERAL
Excellent written and verbal communication skills with ability to effectively communicate in
person, on the phone and electronically. Punctuality, dependability, initiative, resourcefulness. PC
literate and proficiency with Microsoft Word, Excel and ability to adapt to job related
technologies. Adherence to all personnel policies, procedures and guidelines contained in the
Employee Handbook.

JOB ANYLISIS CONCLUDED

This position is at-will, which means that either the employee or the Credit Union may terminate
the employment relationship at any time, with or without notice and for any reason or no reason.
______________________________
Preparer

______________________________

_______________________________
Supervisor

_______________________________

ComponentC

Intodaysworld,withbusinessthatarebig,smallandorgrowing;thereisalwaysroom
forimprovement,butalsoroomforerror.Thiscompanyhasonlybeengrowingsince2010.
HomefeildCreditunionforthepast5yearswithincreasingassetscurrentlyat$135millionassets
andemployingsteadygrowthofabout$10to$15millionperyear.Eachyearthecompanyhas
gottensmarterinenhancementoftheirhiringpolicies,alongwithstrengtheningtheirmembers
financialsuccess.Everysixmonths,lowerleveremployeeshaveareviewwiththeir
correspondingsupervisor.Further,everyyearhigherlevelmanagementhasreviewswiththeir
correspondingsupervisortoinensurethatpositionsarebeingfilledwithpeoplewhocandothe
jobswell.ThesourcingplanthatIcreatedwillboostHomefeildscustomersatisfactionalong
withtheiremployeeturnout.
Withsuchasmallbusinesswithonly35employees,Ivesatdownandanalyzedwhat
couldbemissingfromacompanywhosnumbershaveonlyincreasedinthepast5years?The
answerisHomefeildssocialmedianetworksandhowtomarketthembetter.HomefeildCredit
Unionhasawebsitethatfacilitatesagreatplatformforthecompany,butlacksattractionfromthe
consumerspointofview.Beingattractedtoawebsitetriggersconsumerstowanttolearnmore
aboutthecompanyandwhatistheyoffer.Withthiscompanynosomuch.Eachtabhelped
clickedbringsyoustraighttothepointbutwithzeroattraction.Assomeonewhoisfamiliarwith
bigbusinesssuchasBankofAmerica,Iseemorepicturesandvideosofthosecustomerssatisfied

usingtheirproductwhereasHomefeildCreditUnionnotsomuch.Homefeildhasonepicture
throughouttheentirewebsitethatdowngradestherestofthewebsiteslook.WhatIvealso
noticedwastheonthebottomrightsideofthecompaniespagetherearethreeiconsthatleadto
theirFacebook,linkedandtheirtwitterpages.Uponclicking,onlytheFacebookandlinkedin
wereassessable.Buildingabetterfanbaseinallareasofsocialmediaisavaluablewayto
expandcompanieslikeHomefeildCreditUnion.Sourcingforthispositionwouldconsistof
Job/fairsalongwithfollowingHomefeildsrelatingtotheposition.
WileinterviewingtheAVPofconsumerloans,wevetalkedabouthowdifferentwaysof
bettermarketingthecompany.IndoingsoIgaveheracoupletipsonhowtoimproveyoursocial
mediaturnoutalongwithhelpingthemexpand.InthenextcoupleyearsHomefeildislooingto
enlargethebusinessbydevelopingtheirbusinessintodifferenttowns.Whendoingso
enhancementtothebusinessespoliciesregulationandconductneedsdevelopingaswell.At
Homefeild,theagesoftheiremployeesrangefrom40andup.Althoughthisisgoodforemployee
longevity,thisisalsoputsacaponthecreativityandsolvingproblemsnewways.Babyboomers
willsoonretire,leavingthefocusonthenextgenerationworkers.Overallsourcingformorefresh
minded,wellqualifiedcandidateswillincreasethecompaniesattraction.Furthermoreimproving
socialmediaturnouts,collegehiringprocessandcareerdevelopmentwillhelpthecompany
expandintherightdirection.
HerebelowisachartrepresentingHomefeildscurrentsourcingchart
Source

Speed

Cost

Qualityofhire

SocialMedia

Slow

Low

Poor

Careerdevelopment

Fast

Low

Moderate

Ads

Slow

low

Poor

NetWorking

HighLowHigh