Bellevue Financial Services Officer

Ascend Federal Credit Union•Murfreesboro, TN

12d

About The Position

The Financial Services Officer develops new business by promoting credit union services to new and existing members and creates a positive member experience through high-quality, courteous service. Under the direction of the Branch Manager, the officer opens and modifies consumer accounts, originates and processes consumer loans, assists members with other services, and serves as a teller and receptionist as needed. The role includes helping members identify financial needs, explaining products and services, demonstrating automated services, completing account and loan documentation, providing financial counseling, handling transactions and account maintenance, and making referrals to mortgage, business-account, and other specialists. The officer contributes to branch goals for deposits, loans, and related products, supports business development, and performs teller, quality-control, security, and compliance duties. The position requires accurate work, adherence to policies and regulatory requirements, timely training, and reliable attendance.

Requirements

High school diploma or equivalent.
At least one year of customer service experience; the posting lists 1–3 years under work experience.
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.
Friendly and professional manner toward members, with a professional work environment and businesslike appearance.
Ability to identify, evaluate, and resolve member 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 a computer terminal, calculator, telephone, multifunction copier, printers, scanners, cash machines and counters, coin scan machine, VISA instant-issue machine, cash advance machine, and biometric safe deposit box access equipment.
Regular and reliable attendance.

Nice To Haves

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

Responsibilities

Develop new business by promoting credit union services to new and existing members.
Provide courteous, personal service and communicate professionally with members, employees, and staff.
Analyze member needs and recommend products and services to support member relationships and financial stewardship.
Open and modify consumer 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, maintenance, closures, check orders, wires, stop payments, fraud and theft claims, and records requests.
Complete the 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.
Recognize and refer mortgage leads to the mortgage department.
Perform member transactions, including deposits, withdrawals, loan payments, check cashing, cash advances, cashier's checks, gift and travel money cards, and savings bond redemptions.
Investigate member account problems or complaints and make fee-refund recommendations to the Branch Manager as appropriate.
Rent safe deposit boxes, complete initial documentation, collect rent, and provide access as assigned.
Issue instant-issue cards using the card wizard system.
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.
Meet assigned branch goals for deposits, loans, debt protection, GAP, and MMP; cross-offer services and make referrals aligned with the credit union's strategic plan.
Assist with business development contacts, including onsite visits to potential and existing SEGs, and refer potential SEGs to marketing.
Interview consumer loan applicants; explain loan options, rates, terms, and collateral requirements; prepare documents; obtain employment and income proof; obtain credit reports; finalize loans; and disburse funds.
Communicate with underwriters, notify members of loan decisions, and follow up to ensure approved loans are disbursed, including approved Home Equity Lines of Credit.
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; consistently offer eligible ancillary loan products.
Perform daily teller duties as required, including opening, closing, and accurately balancing the branch.
Follow teller safety and security policies and procedures, provide quality service, and recommend appropriate products and services.
Balance cash boxes, cash dispense machines, recyclers, or the branch vault as assigned.
Maintain accuracy and attention to detail, audit work promptly, and resolve errors in a timely manner.
Identify and communicate product, service, or process issues and improvement opportunities to the Branch Manager.
Follow credit union policies, procedures, and regulatory requirements; complete required annual and assigned training on time.
Assist with opening and closing security procedures for credit union offices.
Read internal publications and perform other duties as required or assigned.