Financial Services Representative

Purpose:

Consistently provides an atmosphere of high-quality member service by supporting credit union sales efforts and performs transactions for members with regard to all share and loan products and services while consulting with members to provide solutions to best fit their needs.

This position will require work to be done at multiple branches (Jesup, Ludowici, or Screven) as needed.

Duties and Responsibilities:

Assist in Teller area when needed

• Process member transactions on several platforms accurately and efficiently via face-to-face, drive-thru, phone and email. Transactions will include wires and credit card advances.
• Answer all incoming telephone calls as part of the teller pool.
• Assist members with account maintenance, including account opening; share, certificate and debit/ATM card opening and maintenance; and direct deposit changes, distribution changes, check orders and safe deposit box opening and entry. Assist members with internet and home banking usage.
• Maintain a thorough knowledge of loan, deposit and respective ancillary product offerings and discover cross-selling opportunities and present those to members to increase loan and deposit product penetration.
• Discover loan opportunities and refer them to the loan department.

Assist in Member Services area when needed

• Assist members with all deposit account opening and find best-fit products to meet members’ needs.
• Assist members with account maintenance, debit card opening, card maintenance, and with online services such as Portal Pay, online banking, and the mobile app.
• Effectively, and with integrity, cross-sell deposit and loan products and other services to members.

Assist in Operations area when needed

• Assist with calls and member service requests via Call center, as directed
• Assist members with debit card orders, maintenance, and other issues, as directed
• Perform other operations duties involving credit cards, Bill Pay, Portal Pay, and ATM or remote deposits as directed
• Perform other clerical and accounting duties may be directly assigned by credit union management

Assist in Loan area when needed

• Prepare lending and ancillary product documents for loans to be disbursed or modified.
• Close loans with members via face-to-face or e-sign platforms.
• Prepare and track titles, insurance coverage, and other security documents on loan collateral.
• Back up other lending functions (sales, etc.) as needed.
• Maintain current knowledge of lending compliance and industry trends.
• Perform other clerical duties regarding lending as needed.

Skills and Qualifications Required:

• High school diploma and cash handling experience. Minimum of three years in a teller, member service, or lending position in a financial institution preferred.
• Ability to use basic functions of Microsoft Word, Excel, and Outlook. Ability to use Adobe or other like software to complete and view fillable documents.
• Ability to read, analyze and interpret general business periodicals, professional journals, and technical procedures. Ability to organize thoughts in written and/ or oral form in a professional and grammatically correct manner, so that the recipient may easily understand the contents.
• Ability to analyze member requests and apply credit union procedures which best serve the member. Ability to explain card, payments, and fraud procedures and documents to members in a manner in which they understand
• Ability to calculate interest earned per term on Certificates of Deposit and per day on loans. Ability to calculate minor calculations such as adding, subtracting, multiplying, dividing, and figuring percentages.
• Ability to apply common sense understanding to carry out instructions furnished in written, oral or diagram form. Ability to deal with problems involving several concrete variables in standardized situations.
• Maintain valid driver’s license to drive to other branches, business development venues, or training sites.
• Ability to lift up to 20 pounds. Ability to sit or stand for extended periods and to walk, climb, stoop, kneel and crouch to complete other tasks, as necessary. Ability to push heavy doors as necessary to gain access to areas needing entry to complete work.