Financial Service Representative
About The Position
The Financial Service Representative delivers member-focused financial services and supports branch performance through lending, account opening, sales, and relationship-building. The role owns the member experience from initial engagement through completion, provides clear explanations of loan and deposit options and related products, and builds a personal production pipeline to meet growth goals. It also involves interpreting credit information, resolving account discrepancies, using digital and core banking systems, representing the credit union in the community, and supporting branch continuity and administration.
Requirements
- High school diploma or GED.
- At least one year of lending experience.
- Demonstrated ability to identify member needs, build relationships, and recommend appropriate products and services.
- An equivalent combination of education and experience may be considered.
Nice To Haves
- Two years of related lending, financial institution, cash handling, and customer service experience.
Responsibilities
- Deliver an exceptional member experience by engaging with members, owning the end-to-end journey, and providing prompt, professional support.
- Manage a personal production pipeline through outbound calls, lead follow-up, and relationship-deepening activities to meet deposit, loan, membership, and referral growth goals.
- Meet goals for Debt Protection and GAP sales and referrals to the Mortgage Department and Horizon Retirement and Investment.
- Guide members through loan and account opening processes, ensuring accurate information and explaining loan and deposit options, insurance products, policies, interest rates, payoffs, and other credit union products and services.
- Interpret credit reports, identify risk indicators, explain loan decisions, and support sound, compliant credit recommendations.
- Research and resolve discrepancies involving deposits, withdrawals, and loan payments, supporting frontline employees and members as needed.
- Represent Horizon Credit Union professionally in the branch and community, conducting outreach and following branding, social media, and apparel guidelines.
- Use digital tools and systems to provide efficient omnichannel experiences and accurately perform financial calculations and transactions.
- Navigate core data systems to enter, retrieve, and inquire about member account information.
- Maintain knowledge of the Business Continuity Plan and perform required duties during system interruptions.
- Respond to member requests, problems, and complaints or refer members to the appropriate person.
- Perform specialized branch support duties as assigned, potentially including Vault Custodian, Notary Public, or Medallion Signature Guarantee representative, while maintaining required certifications.
Benefits
- Medical, dental, and vision insurance for full-time and reduced full-time employees and their families.
- Telemedicine for part-time employees.
- Paid group life and disability insurance.
- Employee Assistance Program.
- Tuition reimbursement program.
- 401(k) retirement savings.
- Employer 401(k) contributions and matching upon eligibility.
- Discretionary annual incentive bonus based on eligibility criteria.
- Paid time off, including 10 hours per month, prorated for reduced full-time and part-time employees.
- Paid birthday holiday.
- Paid wellness days.
- Up to 24 hours of paid volunteer time annually.
- 11 paid holidays.
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What This Job Offers
Job Type
Full-time
Career Level
Entry Level
Education Level
High school or GED
