Bellevue Financial Services Officer

Ascend Federal Credit Union•Murfreesboro, TN

10d

About The Position

Ascend Federal Credit Union is hiring a Financial Services Officer in Bellevue. Under the direction of the Branch Manager, the officer develops business by promoting credit union services to new and existing members and provides high-quality, courteous service. The role supports members with account openings and maintenance, consumer loan applications and processing, financial counseling, teller transactions, and other requests. The officer also serves as a teller and receptionist as needed. The position is responsible for building member relationships, matching products and services to member needs, making referrals, and contributing to branch goals. Duties include explaining account and loan options, demonstrating automated services, processing transactions and account changes, investigating member concerns, and maintaining accurate work in compliance with credit union policies and regulatory requirements. The officer may also assist with branch security procedures and perform other duties as assigned. Ascend describes itself as the largest credit union in Middle Tennessee, with more than $4 billion in assets, approximately 650 employees, more than 250,000 members, and 28 branch locations, in addition to other facilities. The credit union highlights rewarding career opportunities, competitive benefits, and a unique work culture, but does not specify individual benefits in this posting.

Requirements

High school diploma or equivalent.
At least one year of customer service experience; the posting states a work-experience range of 1–3 years.
Obtain the Certified Credit Union Financial Counselor (CCUFC) designation by passing the CUNA Financial Certification Program (FICEP) exam.
Strong interpersonal skills for productive loan-applicant interviews and cross-selling credit union services.
Excellent verbal and written communication skills and a friendly, professional manner.
Ability to identify, evaluate, and resolve members' financial needs.
Knowledge of risk management and loss prevention.
Accurate typing and accuracy in transactions, including cash handling.
Ability to organize and prioritize work with minimum supervision.
Working knowledge of Microsoft Word, Outlook, Excel, Teams, IRA Service Center Software, and the internet.
Ability to operate, or be trained to operate, related office equipment, including biometric safe deposit box access equipment, calculators, cash dispense machines, laser and receipt printers, coin and currency counters, cash recyclers, coin scan machines, PC terminals, multifunction copiers, check/ID scanners, VISA instant issue machines, cash advance machines, and telephones.
Regular and reliable attendance.
Maintain a professional work environment and businesslike appearance.

Nice To Haves

Associate's degree or specialized financial services training.

Responsibilities

Develop new business by promoting credit union services to new and existing members.
Provide consistent, courteous, personal service and communicate professionally with members, employees, and staff.
Analyze member needs and recommend products and services that strengthen member relationships and support financial stewardship.
Open and modify consumer and other accounts, explain account types and ownership options, prepare documentation, and complete transactions.
Demonstrate automated services, including ITM, online banking, bill pay, and ATM services.
Complete direct deposit requests, internal transfers, account updates, account maintenance, and account closures.
Complete the in-house Certified Credit Union Financial Counselor program and provide financial counseling as needed.
Obtain documentation for business account requests and refer them to business account specialists; refer mortgage leads to the mortgage department.
Process member transactions, including deposits, withdrawals, loan payments, check cashing, cash advances, cashier's checks, gift or travel money cards, and U.S. Savings Bond redemptions.
Investigate member account problems or complaints and make fee-refund recommendations to the Branch Manager when warranted.
Rent safe deposit boxes, complete initial documentation, collect initial rent, and provide member access as assigned.
Issue instant-issue cards; order checks; process wires, stop-payment requests, fraud or theft claims, record-copy requests, and other account maintenance.
Make outbound calls and provide notary and/or signature guarantee services.
Process requests using credit union automated systems and accept garnishments and levies for processing when approved by the manager.
Work toward branch goals for deposits, loans, debt protection, GAP, and MMP through cross-offers and referrals.
Assist with business development contacts, including visits to potential and existing select employee groups (SEGs), and refer potential SEGs to marketing.
Interview consumer loan applicants, explain loan options and requirements, prepare documents, obtain employment and income documentation, obtain credit reports, assess needs, finalize loans, and disburse funds.
Communicate with underwriters, notify members of loan decisions, follow up on approved loans to ensure disbursement, and complete approved Home Equity Line of Credit closings.
Maintain current knowledge of loan products and Home Equity Line of Credit origination and closing rules and regulations.
Complete loan-change paperwork and submit it for approval; offer ancillary products on eligible loan requests.
Perform teller duties, including opening, closing, and accurately balancing the branch; balance cash boxes, cash dispense machines, recyclers, or the branch vault as assigned.
Follow teller, safety, and security policies and procedures and provide quality service as a role model for new employees.
Maintain accurate work, audit and examine work promptly, resolve errors, and report product or service issues or improvement opportunities to the Branch Manager.
Follow credit union policies, procedures, and regulatory requirements; complete annual regulatory and other assigned training on time.
Assist with opening and closing security procedures for credit union offices.
Read internal publications, including HUB and Possibilities, and perform other duties as required or assigned.