Universal Services Representative

Pay Scale: $16.00-$19.00 per hour
Note: Our Universal Service Representatives have the potential to earn $500 or more monthly in incentives based on branch and individual production goals.
REPORTS TO: Branch Operations Manager
SUMMARY/OBJECTIVE:
This position will perform a broad variety of member service functions with accuracy and in a timely manner, to include teller and lending transactions. These functions may include, but are not limited to, cash handling, account maintenance, opening new accounts, offering ancillary products on loans and operating an ITM (Interactive Teller Machine). This position will occasionally rotate to assist in surrounding branch locations as needed.
SPECIAL NOTE:Travel will be required during training. Training will be conducted in Hattiesburg, MS and will last approximately 1 month. Details of what this will entail will be discussed during your interview.
Sunbelt Federal Credit Union team members enjoy competitive salaries and a wide range of benefits, some of which include:

• Medical, dental and vision insurance
• 401(k) Retirement Plan with 100% match on the first 6% contributed by you and profit shares
• Paid Federal Holidays
• Employee Education Assistance Program (Tuition Reimbursement). Contract required with Terms and Conditions.
• PTO (Paid time off)
• Employee Assistance Program (EAP)

Essential Functions:
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Creates, maintains and enhances member relationships, ensuring an exceptional member experience.
• Maintains in-depth knowledge of Credit Union products, services, policies and applicable regulations.
• Effectively interview members and potential members independently. Asks questions and listens carefully to determine the appropriate SFCU products and services to offer. Presents products and services in a positive, professional and knowledgeable manner, so inquiring individuals can make an informed decision.
• Opens new savings, checking and money market accounts. Verifies personal identification to prevent fraudulent activity. Provides regulatory disclosure information on new and other specific types of accounts. Orders or prints plastics such as ATM cards, Debit cards and Credit Cards.
• Identifies needs, develops financial relationships, and consistently provides members with opportunities for appropriate loan and deposit products and services.
• Maintain and balance a cash drawer, adhering to Credit Union policies and procedures.
• Prepares and evaluates information which reflects the current credit worthiness of members and prepare consumer loans for underwriting approval based on SFCU lending policies and procedures. Generate and process loan applications for all consumer lending products, vehicle loans, credit cards, signature loans, and share and certificate secured loans. Notifies applicants of loan decisions.
• Has a basic understanding of credit reports and SFCU’s loan agreement for discussion with members. Effectively cross-sells more complex loan products, which may be referred to more experienced member service staff.
• Assists member with servicing loans by processing such items as payoffs, refinances, payment extensions and payment due date changes.
• Ensures that lending operations are conducted in accordance with established Credit Union policies and are legally compliant. Ensures that loan requests are properly documented.
• Supports the credit union’s mission, vision, strategic goals, quality initiatives and service standards.
• Supports SFCU’s mission to become the primary financial institution of our members by providing services in an expeditious and courteous manner. Understands that educating our members and informing them of the products and services we have to offer is the highest level of service we can provide and the key to accomplishing out mission and goals. Strives to meet individual goals by effectively cross selling products and services.
• Resolves member problems independently and escalates more complex problems or situations to a higher authority for appropriate resolution.

Competencies:
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skills and/or abilities required.

• Fluency in English required.
• Excellent customer service and interpersonal skills.
• Effective communication skills with the ability to multi-task while maintaining attention to detail and operating several computer programs to ensure transaction integrity.
• Knowledge of, or the ability to quickly learn banking software applications.
• Working knowledge of SFCU’s products, services, policies and procedures.
• Understanding of federal laws and regulations that govern financial institutions.
• Basic understanding of computer applications and software
• Must possess strong basic math skills, accuracy and attention to detail

Education:

• High School Graduate or Equivalent (GED).

Position Type/Expected Hours of Work:
This is a full-time position. Days and hours of work are Monday through Thursday 8:00 a.m. to 5:00 p.m., Friday 8:00 a.m. to 5:30 p.m. and occasional Saturdays from 9:00 a.m. until 1:00 p.m. Hours are subject to change without notice.
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 individuals with disabilities to perform the essential functions.
While performing the duties of this job, the employee is regularly required to sit, stand, and walk; use hands to finger, handle, feel or grasp; reach with hands and arms; and talk or hear. The employee is frequently required to kneel, crouch, or stoop. The employee is occasionally required to lift and/or move 15-20 pounds.
Employment Requirements:
All applicants must meet the certain conditions of employment to be eligible for employment at Sunbelt Federal Credit Union:

• U.S. Citizenship
• Successfully passing a drug test for illegal drugs
• Successfully passing a background investigation

WE CURRENTLY DO NOT SPONSOR WORK RELATED VISAS
DECLARATION
This job description is designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice. Sunbelt FCU is an Equal Opportunity Employer.