Financial Service Representative
Job Summary
We are seeking a dynamic and motivated Financial Services Representative to join our team! In this energetic role, you will serve as a vital link between our organization and our valued clients, providing expert guidance on new loan products, open accounts, advises on the status of accounts, furnishes information on loans, products and services. Your enthusiasm for helping members achieve their financial goals will drive your success as you deliver exceptional member service, promote insurance and banking solutions, and foster long-term relationships. If you thrive in a fast-paced environment, possess excellent communication skills, and are eager to make a positive impact, this is the perfect opportunity for you to grow your career in financial services.
Major Duties Responsibilities
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Drive sales and success through service. Ensure a positive member experience and achieve sales and referral goals through an expanded product set that includes banking, insurance and investment products.
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Open various new accounts, process necessary information and educate the members as to services/products available as a result. (For example, Visa check card, online banking, automated teller, etc.)
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Build a book of business by proactively seek ways to develop and expand relationships in order to contribute towards financial center and own success.
- Actively serves as a financial advisor and is accountable for sales outcomes.
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Assist with wide variety of member services including open/close Shared Certificates, assist members with checkbooks, process credit card/loan applications for members, manages outgoing wires, solve fraud issues, notary, close accounts, etc.
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Maximize personal productivity by utilizing dedication and drive, insightful listening\ skills, attention to detail, and adaptability to achieve all levels of member, financial center and personal goals.
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Perform all duties of Member Service Representative.
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Interview loan applicants obtaining the required information, explaining loan options, interest rates, terms, and collateral requirements including ancillary products. Obtain all documentation required for loan, including requirements for approval. Set up auto transfers and sign-up members for ACH transfers and wires.
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Using credit approval guidelines, approves or denies and disburses loans by correctly applying and analyzing credit information while adhering to loan policy.
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Continually promotes credit union products and services and performs outside marketing business calls to promote full-service features of their financial center.
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Must comply with all company policies and procedures, applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.
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Outer duties as assigned.
Qualifications
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Previous loan processing experience in a financial institution is preferred.
Education
High school diploma or GED.
ADA Requirements
Perform primarily sedentary work with limited physical exertion and occasional lifting of up to 25 lbs. Must be capable of climbing/descending stairs in emergency situation. Must be able to operate routine office equipment including telephone, copier, facsimile, and calculator. Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours whenever required or requested by management. Must be capable of regular, reliable and timely attendance.
Working Conditions
Must be able to routinely perform work indoors in climate-controlled shared work environment with moderate noise.
Mental and/or Emotional Requirements
Must be able to perform job functions independently and with limited supervision. Must work effectively as part of a team. Must be able to read and carry out various written instructions and follow oral instructions. Must be able to speak clearly and deliver information in a logical and understandable sequence. Must be able to perform basic financial calculations with accuracy. Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of member service and discretion when dealing with the public. Must be able to perform responsibilities with composure under stress of deadline, requirements for extreme accuracy and quality and/or fast pace. Must be capable of exercising highest level of discretion on confidential matters.
United Community Credit Union is an Equal Opportunity Employer and does not discriminate against employees or applicants based on race color, religion, sex/gender, national origin, disability, age, or any other category protected by law.
Join us in delivering outstanding financial solutions that empower our clients! We value energetic professionals who are eager to develop their expertise while making a meaningful difference. This paid position offers an exciting environment where your skills in sales, negotiation, communication, and analysis will shine. Embrace the opportunity to grow your career in a supportive setting that recognizes your contributions every step of the way.
