Member Service Representative/New Accounts

at Frontier Credit Union in Meridian, Idaho, United States

Position Overview:

The Member Service Rep's primary focus is to increase membership participation in the credit union by providing solutions to meet the financial needs of our members. The position provides a variety of teller and new accounts functions including opening and servicing deposit accounts and performing teller functions.    

Essential Functions:

• Support members with a full range of credit union products and services
• Identify relationship building opportunities and make recommendations to members regarding credit union products and services 
• Qualify potential members for new accounts and open accounts efficiently and accurately
• Open and perform maintenance functions on sub-shares, including checking accounts, money markets, and certificates of deposit
• Assist members with IRA accounts, including required distributions, etc.
• Discuss appropriate loan options and provide interest calculations, loan terms, and payment projections 
• Research, evaluate and determine the credit worthiness of members; convey loan decisions, and propose alternatives as appropriate
• Provide credit counseling, financial education and reconciliation support when relevant
• Answer questions for members and staff in person, over the phone, and/or in writing
• Educate members on all credit union products and services; when applicable, make referrals to other business lines
• Process teller transactions and back-up teller line 
• Maintain knowledge of, and consistently follow, credit union policies and procedures including proper use of CTR and SAR reports and Monetary Instrument Logs
• Provide peer assistance and support developmental opportunities 
• Focus on and contribute to individual and team performance goals
• Remain aware of branch activity and provide functional and responsive support where needed
• Prepare and interpret reports by collecting, analyzing and summarizing information as requested by management
• Serves as a positive leader; enhances branch morale
•  Provides exceptional internal and external Member Service.
• Understands, applies, and complies with all Credit Union Policies and Procedures, State and Federal laws and regulations, and adheres to requirements set forth by the Bank Secrecy Act (BSA).
• Completes other assigned duties commensurate with position. 

Requirements

Qualifications/Skills:

• Minimum 6 months cash handling or financial experience required 
• Previous lending and/or teller experience within full-service financial institution highly preferred
• Understanding of loan services including the credit process, loan products, collateral/security, interest rates and accruals
• Demonstrated ability to read and analyze credit reports and recommend appropriate action
• Confirmed willingness and skill in identifying member needs and recommending solutions to meet needs
• Ability to learn, comprehend and consistently follow credit union policies and procedures
• Excellent interviewing, communication, and public relations skills
• Professional appearance and attitude
• Strong analytical, financial, and problem solving skills
• Operate a computer with proficiency of MS Office; Excellent knowledge of report software and processes 
• Communicate with courtesy, tact, and diplomacy in person and over the phone
• Perform job functions independently with limited supervision; work effectively on own and as part of team
• Ability to read and carry out various written instructions and follow verbal directions
• Must remain composed in stressful, high-pressure situations. Calmly and professionally handle different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of Member Service
• Demonstrate extreme accuracy and quality, effectively handle multiple tasks and changing priorities, and exercise highest level of discretion on both internal and external matters
• Reports to work regularly; maintains reliable and timely attendance. Available to work days and hours as dictated by business needs 
• Bilingual (English/Spanish) is preferred 

Physical Requirements:

Bend, sit, or stand to perform primarily sedentary work with limited physical exertion; occasional lifting up to 10 lbs. Operate routine office equipment including computer terminals, keyboards, telephones, copiers, and calculators. Work on computer for up to 8 hours per day. Some locations may require ability to climb or descend stairs with minimal assistance in emergency situations.