Consumer Sales Representative (Hybrid)

Summary

The primary purpose of this position is to assist Generations Federal Credit Union to live out its Mission, Do the Right Thing, by providing remarkable service to both external members and internal members. Performs all loan and associated member transactions in person, by phone or electronically. Primary function is to provide all credit union lending and ancillary products and services appropriate to the member’s needs to create strong lasting relationships.

Primary Duties

1. Originates and funds all types of loans and credit cards offered by the Credit Union. Advocates for the member and acts as a liaison between the loan officer and member, when necessary, to gather additional information for a decision. Qualifies for membership as necessary.
2. Identifies and executes cross-selling opportunities of Credit Union products to new and existing members to meet their financial needs while applying internal controls, demonstrate product savings, effectively communicating value, and assisting the member within timeframe established. Adhere to Credit Union Policies and Procedures, and Governmental regulations to ensure compliance, integrity, professionalism, quality and timely service delivery.
3. Manages a loan pipeline, developing cross-selling activities utilizing consultative selling methods, conducting outbound calls to follow-up with denials, counteroffers or confirming closing information within time specified.
4. Maintains up-to-date knowledge of credit union product and services and how to best position them to membership. Consistently provides accurate information to new membership on products, rates, and services either in person, by phone, by mail or by other electronic means. Expands knowledge through training sessions, self-study, and/or personal use of products and services.
5. Responsible for identifying, cross-selling and processing insurance products that compliment the appropriate lending products.
6. Initiates depository accounts, as required. Makes referrals for non-traditional investment products through in-house annuity investments and insurance products.
7. Consistently delivers and applies quality to all written and on-line processing work.
8. Also, directly involved with supporting inbound/outbound telemarketing and direct mail efforts to increase loan production within the Credit Union.
9. Actively participates in business development efforts to attain membership goals set by the credit union. Activities may include participation in various business or community events.
10. Consistently meets or exceeds department and individual sales goals for member service product line and core depository products, i.e., loan growth and membership growth.
11. Performs other duties as assigned.

Education
Must have high school diploma or equivalency. Some college level courses in Accounting, or approved equivalent in bank related education preferred.

Experience

Must have two (2) years experience in a financial institution service and/or sales position.

Skills

Must have the following skills and/or abilities:

• Must possess strong communication and customer service skills.
• Must have excellent organizational skills and ability to prioritize and meet timelines within a multi-tasked repetitive environment.
• Possess selling and negotiating skills with the ability to utilize effective questioning techniques to bender understand member needs and uncover opportunities.
• Must be able to work independently and exercise a high degree of personal initiative.
• Must have knowledge of financial institution policies and procedures.
• Proficient in Microsoft Office Suite.
• Spanish language skills a plus.

Physical/Other Requirements

Must be able to:

• Stand or sit for long periods of time.
• Lift 10-20 lbs.
• Be flexible to work non-standard hours to include evenings and Saturdays. Full-time hours is 40 hours per week.

Service Expectations

1. To deliver service that is in alignment with the credit union’s Service Promises:

• Treat members with a positive attitude.
• Listen to and fully understand the members’ needs.
• Offer solutions that meet the members’ needs
• Take ownership of the Member Experience provided.
• Give and receive feedback for improvement.
• Continually learn for the benefit of the member.

2. Meets all established sales and service goals.

3. Possess adequate product knowledge as measured by the annual product knowledge certification assessment