Loan and Member Services Representative I

Responsibilities Include: (Please summarize the 4-8 main responsibilities/accountabilities of the position. List responsibilities in the order of importance and time spent.)

Operations

• Effectively process transactions by utilizing Bethpage systems in accordance with established policies and procedures. This encompasses account openings and maintenance of consumer, business, and fiduciary accounts such as Estate, Trust, Guardianships, and IRA’s, Notary if applicable among others.
• Assesses and identifies the best possible lending product for members. Responsible for understanding product’s features and benefits and submitting applications, completing disbursements, maintenance, and closings for all loan products including Home Equity Products
• Performs all financial transactions including teller transactions including processing Speed Deposit and Night Drop transactions, if applicable.
• Make sound decisions that adhere to all policies, procedures, and regulatory banking requirements. Ex: making determinations for check holds while adhering to funds availability policy
• Identify red flags based on risk guidelines and refer escalations to supervisors when necessary.

Member Experience

• Be a trusted advisor utilizing a consultative sales approach to assist with growing the branch market. 
• Make sound recommendations for products and services that benefit the members.   This includes referring members to business partners to further expand member relationships.
• Provide exceptional member experiences by cultivating relationships, identifying member needs, analyzing/researching account/loan data and resolving issues.
• Maintains high member satisfaction that aligns to Bethpage’s expectations including professionalism, accuracy, and timely follow up with members.
• Ability to communicate with members to share knowledge and information such as marketing promotions and services provided by business partners.
• Educating and assisting members with technology and self-service options to enhance the omnichannel experience that meets their banking needs.
• Contribute to lobby management by welcoming members, checking in members waiting for platform services, and at times assisting to ensure that the teller and drive-up traffic is managed with limited wait times.

Compliance

• Supports the branch by participating in opening/closing procedures, daily reports, audit tasks and dual control.
• Maintain controls reconciliations and reports as needed or required. This includes, but is not limited to verifying currency, balancing individual cash box/cash recyclers (TCR), daily reports, CTR's, SAR's.
• Stays abreast and adheres to policies, procedures, and banking regulations.
• Identifies emerging risks and fraud trends to minimize exposure to members and Bethpage.
• Complies with all aspects of Bank Secrecy Act, Anti-Money Laundering, Office of Foreign Asset Control.

Strategy

• Participate in the overall success of the individual, branch, region, Retail Banking, and organizational goals by meeting or exceeding assigned performance goals and metrics.
• Continually enhance sales conversations to obtain member relationships to drive deposits and loans.