Charlotte Financial Services Officer

Ascend Federal Credit Union•Nashville, TN

10d

About The Position

Under the direction of the Branch Manager, the Financial Services Officer develops new business by promoting credit union services to new and existing members and delivers high-quality, courteous service. The role identifies member needs while opening and modifying accounts, originating and processing consumer loans, handling other member requests, and serving as a teller and receptionist as needed. It also includes financial counseling, account and transaction servicing, business development support, referrals, teller operations, and adherence to quality, security, policy, and regulatory requirements.

Requirements

High school diploma or equivalent is required.
At least one year of customer service experience is required.
Obtain the Certified Credit Union Financial Counselor (CCUFC) designation by passing the CUNA Financial Certification Program (FICEP) exam.
Strong interpersonal skills for interviewing loan applicants 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 transaction processing, including cash handling.
Ability to organize and prioritize work with minimal supervision.
Working knowledge of Microsoft Word, Outlook, Excel, Teams, IRA Service Center Software, and the internet.
Ability to operate, or be trained to operate, the listed office and financial-service equipment.
Regular and reliable attendance is required.

Nice To Haves

Associate’s degree or specialized financial services training is preferred.

Responsibilities

Promote credit union services and develop business with new and existing members while providing courteous, personal service.
Analyze member needs and recommend products and services to strengthen member relationships and support financial stewardship.
Open and modify consumer accounts, including youth accounts, certificates, IRAs, Coverdell accounts, and HSAs; explain account options, prepare documentation, and complete transactions.
Demonstrate automated services, including ITMs, Online Banking, Bill Pay, and ATMs, to members and provide assistance or troubleshooting.
Complete account maintenance, direct deposit requests, internal transfers, check orders, wire requests, stop-payment requests, fraud or theft claims, record-copy requests, and account closures.
Complete the in-house Certified Credit Union Financial Counselor program and provide financial counseling as needed.
Collect documentation for business account requests and refer them to business account specialists; refer mortgage leads to the mortgage department.
Process member transactions such as 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 and complaints, make fee-refund recommendations, rent safe deposit boxes, issue instant-issue cards, provide notary or signature-guarantee services, and process other member requests using credit union systems.
Accept garnishments and levies as served and submit them for processing when approved by the manager.
Work toward branch goals for deposits, loans, debt protection, GAP, and MMP; cross-offer services and make referrals in support of the credit union’s strategic plan.
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, rates, terms, and collateral requirements; gather documentation and credit reports; prepare loan documents; finalize loans and disburse funds.
Communicate with underwriters, notify members of loan decisions, follow up on approved loans and disbursements, and maintain knowledge of loan products and Home Equity Line of Credit requirements.
Build long-term member relationships, explain credit union services, complete loan-change paperwork, and offer ancillary products on eligible loan requests.
Perform teller duties, including opening, closing, and balancing the branch; process teller transactions; balance assigned cash equipment or vaults; and follow teller safety and security procedures.
Maintain accuracy and attention to detail, audit individual work, resolve errors promptly, and communicate service or product issues and improvement opportunities to the Branch Manager.
Follow credit union policies, procedures, regulatory requirements, and safety and security practices; complete required annual and assigned training on time.
Assist with office opening and closing security procedures, read internal publications, and perform other assigned duties.