Financial Services Officer - Alcoa

ORNL Federal Credit Union • Alcoa, TN

3d

About The Position

The Financial Services Officer (FSO) delivers a high level of member service by building strong relationships and providing comprehensive financial solutions that meet member and employee needs. The role assists members with financial transactions and services, including deposit accounts, consumer loans, Individual Retirement Accounts (IRAs), commercial accounts, certificates, fraud education and resolution, and other credit union products and services. The FSO acts as a trusted advisor, identifies opportunities to improve members’ financial well-being and support credit union growth, and ensures compliance with established policies and procedures.

Requirements

• At least 1 year of customer service and/or sales experience.
• High school diploma or GED.

Nice To Haves

• At least 1 year of lending experience.
• At least 1 year of financial services experience.

Responsibilities

• Provide professional, courteous, personalized service and build strong member relationships.
• Assist members with financial transactions and with opening, maintaining, and closing consumer and commercial accounts.
• Answer questions about products and services, and work with business partners to identify solutions beyond the employee’s scope.
• Conduct conversations to assess borrowing needs and recommend appropriate loan and ancillary products.
• Guide members through consumer loan applications and identify opportunities to deepen relationships.
• Follow lending guidelines and communicate loan decisions, including approval terms, denial reasons, payment options, and lending requirements.
• Assist members with teller transactions accurately, efficiently, and professionally.
• Maintain knowledge of fraud trends and prevention practices to identify and mitigate risks.
• Process transactions within established authority limits and policies, and collaborate with coworkers to support branch operations and a positive member experience.
• Review system information, supporting documents, disclosures, and agreements to ensure documentation is accurate and complete.
• Verify member information for compliance with credit union policies, regulatory requirements, and established procedures.
• Maintain accuracy to minimize risk and support sound practices.
• Protect confidential information and follow security procedures, remaining alert to risks to members, employees, and credit union assets.
• Support branch and credit union initiatives by participating in sales, service, and operational goals.
• Contribute to team success and promote member engagement by advocating for credit union products, services, and community involvement efforts.
• Perform other job-related duties as required.

What This Job Offers

• Job Type: Full-time
• Education Level: High school or GED