Job Type
Full-time
Description
Summary
Interview members and receive, review and finalize consumer loan applications and explain credit guidelines. Resolve problems, answer member questions and inquiries and identify/recommend additional products and services to benefit the members. Performs member service functions such as account maintenance, printing statements, stop payments, educate members with online/mobile banking, etc. Will act as a mentor/coach and train staff in FSR/Teller role, performs teller transactions, involving paying/receiving cash & other negotiable instruments. Posts deposits, provides account balances & related activities. Keep accurate records of all transactions.
Essential Functions
50% 1. FSR/Teller functions - Greet members in a professional and courteous manner and perform routine member transactions including deposits, withdrawals, cash advances, loan payments, check cashing and address changes. Must keep accurate records of all transactions. Ensure utilization of fraud prevention measures. Interview members to receive, review and evaluate loan applications. Knowledgeable of loan products, can explain all credit guidelines, read rate sheet and recommend a loan product to meet the members need. Understands, can explain, and cross offer ancillary products, in addition can identify opportunities to refer members to a secondary source to maintain/improve credit worthiness. Communicate with auto dealers to verify or compile member information. Open/close accounts, open/close secondary accounts or perform account maintenance on membership w/ proper documentation & verification to include debit card reissues. Assists with the completing of monthly audits and shall act as liaison in the event Management is unavailable.
20% 2. FSR/Teller functions - Assist authorized members with entrance to safe deposit boxes, bond redemption, sell money orders, cashier's checks, and negotiate coin slips. Identify and suggest additional services where possible and provide routine information concerning services and direct members to appropriate departments. Scans all necessary documents accurately and completes/assists in monthly reports in a timely & accurate manner. Respond to all internal members and management requests in a prompt and positive manner. Keep supervisor informed of any significant problems or concerns. Complete required reports and records accurately and promptly. Assist with opening and closing duties, such as processing Check 21, night drop, Quality Control, debit card log. Cross train and mentor other employees. Open IRA & other specialty accounts, complete wire requests, sight drafts, notary services, statement copies, stop payments and assist members with opening and closing of safe deposit boxes. Assist with prequalifying members through FIS/OFAC/IDA.
20% 3. FSR/Teller functions - Balance teller drawer at the end of shift and comply with all policy and Balancing Guidelines. Ensure strict adherence to established Security Violations Standards. Coordinates teller operations by assisting in assigning duties, monthly audits and providing approvals. Assist with opening and closing duties such as processing Check 21, night drop, Quality Control debit card log, secure member information, etc. Address problems by understanding, identifying, reviewing possible options and initiating with follow up and a resolution. Recognize opportunities by listening and asking questions to better serve our members by offering products and services to meet our members' needs.
Non-essential Functions
10% 1. Other duties as assigned. May perform a variety of miscellaneous tasks including typing, filing, scanning, computer input & answering the telephone. Attends meetings and actively participates in loan functions and programs/promotions.
Expectations
1. FSR/Teller II functions are efficiently and accurately performed in accordance with established member service and loan procedures. Adheres to all guidelines, policies, Security Violation and Service Standards.
2. Ensure Members' questions/concerns are answered promptly. Establishes a rapport with internal and external members.
3. Coaches and mentors to other employees and actively participates in product training and staff meeting.
4. Required reports and records are completed accurately, and in a timely manner.
5. The Credit Union's professional reputation is maintained and protected at all times whether on or off the job.
Requirements
Qualifications
Education/Certifications: High school graduate or the equivalent.
Experience: 3 year's financial institution experience preferred, 2 year of Member Service experience preferred.
Knowledge, Skills & Ability: Understanding of related legal and regulatory standards, and required loan documentation. Knowledge of consumer and residential lending practices. Excellent interviewing, communication, and public relation skills along with physical, mental & other demands. Professional appearance and attitude. Demonstrated ability to effectively cross-sell/up-sell products and services. Strong analytical and financial skills. Ability to operate related computer applications, and other business equipment including calculators, printer, and telephone.
Salary Description
$19.00/hour