Senior Financial Service Representative

Position Summary:

The position of Financial Service Representative II is established to build and deepen relationships with members and potential members, by providing professional and accurate information when opening new accounts, securing loans, as well as offering a full range of Credit Union products and services to meet members’ needs and increase member satisfaction.  Maintain quality service standards set by the organization.

Essential Duties and Responsibilities

• Build relationships with members and potential members to determine their financial needs to recommend appropriate products and services.
• Identify opportunities to leverage partners and connect member with the appropriate partner to meet their needs
• Partner with financial advisors to identify opportunities to introduce members with investment or retirement needs
• Provide quality member service consistent with Credit Union standards; resolve member complaints quickly and accurately; respond to member inquiries on the phone and in person.
• Responsible for keeping abreast of current policies, procedures and new products; follow new procedures.
•  Prepare documentation for new accounts and/or loans, ensuring adherence to legal requirements and Credit Union policies and procedures.
• Relay loan decision to member along with loan terms and conditions providing financial counsel and alternatives, as needed.
• Ensure operational integrity through consistent and timely audits of loans, new account files and obtaining proper documentation with all member interactions.
• Accurately record and track all member interactions, referrals and sales, following policy and procedure and maintaining integrity in all actions.
• Participate in business development activities, including attending orientations and off site activities.
•  Contribute to the overall branch performance by providing guidance to co-workers as directed by management. Demonstrate initiative to identify activities and behaviors to improve service levels and to support co-workers in building skill with product knowledge and member first behaviors.
• Participate in AML/BSA compliance training as assigned.  Adhere to credit union AML/BSA policy and procedures including CTR rules and form preparation, identify and refer suspicious activity to the Compliance Department, perform OFAC comparisons, and properly identify individuals in accordance with Branch Operations procedures.

Other Duties and Responsibilities

• Act as a MSR or Receptionist as directed by management.
• Support management in community development activities.
• Maintain safe deposit boxes, as applicable.
• May be required to work weekends and/or extended hours to include offsite events.
• Perform other duties as assigned.

Physical Demands and Work Environment

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 use hands to handle, or feel objects, tools, or controls and talk or hear.  The employee is frequently required to stand and reach with hands and arms.  The employee is occasionally required to walk; sit; climb or balance; and stoop, kneel, crouch, or crawl.

The employee must occasionally lift and/or move up to 25 pounds.  Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception, and the ability to adjust focus.

The noise level in the work environment is usually moderate.

Minimum Qualifications (Education, Experience, Skills)

• High school diploma or equivalent.
• 3 years of banking experience to include: knowledge of member interviewing techniques, ability to identify and offer/refer products and services to meet members’ financial needs.
• Demonstrated ability, thorough knowledge of and a willingness to actively promote credit union products and services.
• Strong track record of meeting or exceeding performance goals.
• Proficient knowledge of Credit Union and/or financial institution loan policies and procedures.
• Demonstrated professional human relations, communication and organizational.
• College level math and financial calculation skills.
• Basic level computer skills, including MS Office applications (Word, Excel, Outlook).
•  Professional appearance and demeanor.