Full-Time
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4Front Credit Union
51-200 employees
Member-owned financial cooperative serving Michigan
Compensation Overview
$15 - $19/hr
Traverse City, MI, USA
In Person
 Sales & Account Management (2) |
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- High school graduate or equivalent.
- Good understanding of financial services and products provided.
- Understanding of member account reconciliation procedures.
- Ability to operate related computer applications and business equipment including 10-key and telephone.
- Solid math and abilities.
- TALKING: Especially where one must frequently convey detailed or important instructions or ideas accurately, or quickly.
- AVERAGE HEARING: Able to hear average or normal conversations and receive ordinary information.
- FINGER DEXTERITY: Using primarily just the fingers to make small movements such as typing, picking up small objects, or pinching fingers together.
- 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: Sitting and standing. Exerts up to 50 lbs. of force occasionally.
- 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 perform basic math skills, use decimals to compute ratios and percents.
- LANGUAGE ABILITY: Ability to use passive vocabulary of 5,000-6,000 words; read at a slow rate; and define unfamiliar words in dictionaries for meaning, spelling, and pronunciation.; Ability to write complex sentences, using proper punctuation, and using adjectives and adverbs.; Ability to communicate in complex sentences, using normal word order with present and past tenses and good vocabulary.
- Assumes responsibility for the effective and professional performance of financial service functions.
- * Presents and explains Credit Union services and products to members and assists in meeting their financial needs. Opens and closes accounts. Orders checks for member accounts. Completes payroll deductions and authorization forms.
- * Answers questions and solves problems for members by listening to problems, collecting data, securing answers, and reporting results to the inquiring party. Resolves member account reconciliation problems.
- * Renews and updates certificate accounts.
- * Receives and directs members and telephone calls. Responds to inquiries and questions, or directs them as necessary. Records and relays messages.
- * Performs file maintenance and account changes as needed.
- * Answers questions regarding IRAs.
- Assumes responsibility for establishing and maintaining effective, professional business relations with members.
- * Resolves member requests and questions promptly, courteously, and professionally.
- * Keeps members informed of Credit Union services and policies.
- * Maintains and projects the Credit Union's professional reputation.
- Assumes responsibility for establishing and maintaining effective coordination and working relationships with area personnel and with management.
- * Assists area personnel as required.
- * Keeps supervisor informed of area activities and significant problems.
- * Completes required reports and records accurately and promptly.
- * Attends meetings as required.
- Assumes responsibility for related duties as required or assigned.
- * Actively and professionally cross sells Credit Union services.
- * Performs related duties as needed.
- * Ensures work area is clean, secure, and well maintained.
- * Comply with the U.S. Patriot Act and the Credit Union’s Bank Secrecy and OFAC Policies and Procedures.
- * Comply with the Gramm-Leach Bliley Act and the Credit Union’s Information Security program, maintaining the privacy and security of information, Systems and locations.
- related office experience is preferred
4Front Credit Union is a Michigan-based, member-owned financial cooperative that provides banking services such as savings accounts, checking, loans, and mortgages. Members fund the credit union through deposits, which the institution uses to offer loans and earn dividends for members; profits and voting power stay with members. The company operates through branches, online and mobile banking, and other financial tools to help people manage money. Unlike traditional banks, its owner-members vote on policies and share profits, and accounts are insured by the National Credit Union Administration (NCUA). The goal is to help members make money moves that matter while maintaining a community-focused, friendly work culture.
Company Size
51-200
Company Stage
N/A
Total Funding
N/A
Headquarters
Traverse City, Michigan
Founded
2015
Simplify's Take
What believers are saying
- Scienaptic processes $3.9 trillion in assets across 150+ lenders, validating platform reliability and scale.
- Old Mission Bank acquisition increases managed assets to $1.1 billion, expanding auto loan origination volume.
- MemberPass 2.0 adoption exponentially exceeded projections, driving member engagement and cross-sell opportunities.
What critics are saying
- Scienaptic service disruption halts auto loan pricing and origination; vendor lock-in creates single-point failure.
- AI pricing based on vehicle data and regional demand triggers fair lending investigations and CFPB enforcement.
- Algorithmic pricing transparency enables larger competitors to arbitrage rates, compressing 4Front's margins significantly.
What makes 4Front Credit Union unique
- Deal-level AI pricing replaces static rate sheets, optimizing returns per individual borrower and vehicle.
- VIN-level vehicle data integration analyzes depreciation, regional demand, and loan-to-value exposure dynamically.
- Q2 Holdings partnership significantly boosted member primacy and satisfaction across digital banking channels.
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Benefits
Professional Development Budget
Flexible Work Hours
Company News
4Front Credit Union has selected Scienaptic AI's LendSmart Auto platform to transform its vehicle loan pricing strategy. The AI-powered engine replaces traditional rate-sheet pricing with deal-level pricing based on individual borrowers, vehicle collateral and real-time market conditions. LendSmart Auto integrates vehicle data at VIN level, analysing depreciation curves, regional resale demand, auction recovery projections and loan-to-value exposure for each deal. The system incorporates 4Front's target return on assets whilst factoring in deal and operational costs. Founded in 2014, Scienaptic AI supports over 150 lenders managing $3.9 trillion in assets. The platform processes over three million credit decisions monthly, evaluating loans worth more than $3 billion, enabling 1.7 million underserved individuals to access credit opportunities.
Q2 Holdings (NYSE: QTWO) has announced significant results from its partnership with 4Front Credit Union, a Michigan-based institution with over $1 billion in assets.
BATA Executive Director Kelly Dunham is leaving the organization at the end of the year to take an executive leadership role with 4Front Credit Union.
Scienaptic AI, a New York-headquartered, leading AI-powered credit underwriting platform, announced that its Credit Union Service Organization (CUSO)
Nusenda merged with New Mexico Energy Federal Credit Union in 2013.