Financial Service Representative

Description:

Position Summary:

This position requires great interaction, communication, and organizational skills supporting Teller, Financial Services, Lending, and Call Center operations. To provide members with the highest form of service and financial transactions accurately, efficiently, and professionally. Explain, promote and sell various products and services to members by accurately assessing member needs while providing them with information about Credit Union products and services. Responsible for performing member services and loan processing responsibilities, assisting with the call center and phone queue; adhering to credit union policies and procedures: Will maintain a high-level knowledge of our financial service products. Greeting the member by name during interaction and thanking the member for their business after the transaction is completed.

Major Duties and Responsibilities:

1. Assists members with opening and closing accounts and servicing existing accounts. Answers questions about products and services and resolves problems that are within their authority to resolve. Refers problems that are beyond their authority to their supervisor along with their recommendations.
2. Determine collateral needs and payment plans for members applying for loans.
3. Processes member loan applications in person, electronically, and/or over the phone, building accurate member profiles in accordance with established policies and procedures.
4. Disburse loan proceeds after approval by underwriting and complete loan documents.
5. Maintain a high level of knowledge of credit union financial service policies and procedures for lending and member service.
6. Provide member service via phone calls or in the call center.
7. Cross-sell credit union products and services based on member needs.
8. Ensure that all credit union member-and-employee-related business is kept in the strictest confidence.
9. To apply knowledge of credit union systems, policies, and procedures. Complies with all Credit Union policies and procedures including those related to
Bank Secrecy Act regulations.
10. Other duties related to essential job functions to meet organizational needs.
Expectations and Qualifications
1. To provide friendly, professional, personal service to all members.
2. To maintain a dependable record of attendance and timeliness.
3. To assist with telephone answering within 3 rings if possible.
4. To maintain a professional work environment and businesslike appearance at all times.
5. To return telephone messages within 2 hours if possible and all messages returned by end of the day.
6. To troubleshoot and resolve internal inquiries in a timely, friendly, and accurate manner.
7. Effective verbal and written communication skills.
8. Good organizational skills, attention to detail, time management skills, and communication skills.
9. Proficient computer skills along with strong people skills.
10. Perform quality work efficiently with minimal supervision.

Experience: This position requires at least 6 months to two years of similar related experience and/or previous banking experience. Must be Sales and Member Service Oriented.
Education: A high school education or GED.
Interpersonal Skills: Courtesy, tact, and diplomacy are essential elements of the job. Work involves personal contact with others inside and/or outside the organization, generally regarding routine matters for purpose of giving or obtaining information that may require some discussion.
Physical Demands: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable qualified individuals with disabilities to perform essential functions.
While performing the duties of this job, the employee is regularly required to talk, hear, and sit. The employee frequently is required to stand and walk; use hands to finger, handle, or feel objects or controls; kneel or crouch while filing and reach with hands and arms.
The employee must occasionally lift and/or move up to 30 pounds, which may also include lifting overhead.
Specific vision abilities required by this job include close vision.