What are the responsibilities and job description for the Member Relationship Manager - Bowling Green (Experienced Personal Banker) position at Service One Credit Union?
TITLE : Member Relationship Manager I (Experienced Personal Banker)
REPORTS TO : Branch Manager
Position Summary
Responsible for all aspects of the Credit Union's lending and new deposit account opening process. Assists members in acquiring loans and opening consumer and business deposit accounts. Provides exceptional member service. Promotes and actively cross-sells Credit Union loan and deposit products and services. Responsible for performing a broad variety of financial services such as opening new accounts and assisting members with any account issues. Actively builds and manages relationships with new, current, and prospective members utilizing available tools and product information. Reviews member information to generate leads to contact and assess members current and upcoming needs. Follows up with and contacts members through various communication channels. Demonstrates teamwork through positive interaction and cooperation with fellow associates, members of management, and other branches and departments. Supports and promotes the Credit Union's Vision, Mission, Culture and Core Values.
Primary Responsibilities
- Responsible for the full loan application process, including reviewing and completing applications, analysis of application data and credit history, as well as collecting and reviewing required documentation for member loan products.
- Evaluates and recommends approval of consumer loans, and credit card applications.
- Reviews applications to determine eligibility for loans and new deposit accounts.
- Recommends deposit account upgrades and add-ons based on members needs.
- Follows up with members utilizing various communication channels.
- Identifies and recommends products that meet member needs.
- Identifies cross-sell opportunities and offers products and services to members based on needs.
- Follows up timely on referrals from the front-line team.
- Responsible for meeting and achieving sales goals for loans, credit cards, and deposits.
- Recommends and offers ancillary products for loans.
- Reviews information on one product accounts and loan pay offs to assess members potential needs.
- Maintains up to date knowledge on all current loan polices and procedures.
- Offers alternative recommendations for non-conforming loans.
- Ensures adherence to all internal policies and procedures, state, and federal regulations.
- Processes, approves, and completes closing of loans within specified limits and refers loan applications outside those limits to management for approval.
- Completes onboarding process for all new members for new accounts and loans.
- Communicates information to the member with checking account opening on signing up for checking account benefits, tools for moving accounts from another FI, ordering checks, and ODP.
- Recommends digital tools and online banking for all new members.
- Maintains proficiency with all digital platforms, tools, and communication channels.
- Maintains proficiency with LOS / DOS platforms.
- Performs such duties as may be required from time to time for the overall management and operation of the Credit Union.
Additional Responsibilities
Educational / Experience Requirements
Physical Requirements
The physical demands described here are representative of those that must be met by an associate 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 associate is regularly required to sit, use hands to finger, handle or feel, reach with hands and arms, and see, talk, or hear. The associate is frequently required to stand and walk. The associate must regularly lift and / or move 20-35 pounds and occasionally lift and / or move up to 80 pounds.
Qualifications
T he above statements are intended to describe the general nature and level of work being performed by individuals assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties, and skills required.
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