Charlotte Financial Services Officer

Ascend Federal Credit Union•Nashville, TN

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 creates a positive member experience through high-quality, courteous service. The position opens and modifies consumer accounts, originates and processes consumer loans, assists members with other requests, and serves as a teller and receptionist as needed. The role provides member service and financial counseling, identifies appropriate products and services, supports organizational goals through referrals and business development, and handles loan origination and servicing. It also performs teller duties, maintains accuracy and regulatory compliance, participates in office security procedures, and completes assigned training and other duties. The job description notes that duties may be modified, added, or removed to meet business needs.

Requirements

High school diploma or equivalent.
At least one year of customer service experience; the posting states 1–3 years in the Work Experience section.
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, professional manner, professional work environment, and businesslike appearance.
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 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, related office equipment, including biometric safe-deposit-box access equipment, calculator, cash dispense machine, laser and receipt printers, coin and currency counters, cash recycler, coin scan machine, PC, multifunction copier, check/ID scanner, VISA instant-issue machine, cash advance machine, and telephone.
Regular and reliable attendance.

Nice To Haves

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

Responsibilities

Provide courteous, professional service to members and communicate in a friendly, professional manner with members, employees, and staff.
Analyze member needs and recommend products and services that support member relationships, financial knowledge, and stewardship.
Open consumer accounts, explain account types and ownership options, prepare documentation, and complete account transactions and maintenance.
Demonstrate automated services such as ITMs, Online Banking, Bill Pay, and ATMs to members.
Complete direct deposit requests, internal transfers, account updates, check orders, wires, stop-payment requests, fraud or theft claims, record-copy orders, 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.
Perform member transactions including deposits, withdrawals, loan payments, check cashing, cash advances, cashier's checks, VISA gift or travel money cards, and U.S. Savings Bond redemptions.
Investigate account problems or complaints, determine whether fees or charges should be refunded, and make recommendations to the Branch Manager as warranted.
Rent safe deposit boxes, complete initial documentation, collect initial rent, and provide member access as assigned; issue instant-issue cards using the card wizard system.
Make outbound calls and provide notary and/or signature guarantee services.
Process requests using the credit union's automated systems and accept garnishments and levies as served for processing when approved by the manager.
Work toward measurable branch goals for deposits, loans, debt protection, GAP, and MMP; cross-offer services and make referrals in support of strategic goals.
Assist with business development contacts, including visits to potential and existing SEGs, and refer potential SEGs to Marketing.
Interview consumer loan applicants; explain options, rates, terms, and collateral requirements; prepare documents; obtain employment and income documentation and credit reports; assess needs; and finalize and disburse loans.
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 as applicable.
Maintain current knowledge of loan products and Home Equity Line of Credit origination and closing rules; complete loan-change paperwork and submit it for approval.
Offer ancillary products on eligible loan requests and explain credit union services and their benefits.
Perform teller duties as required, including opening, closing, and accurately balancing the branch; balance assigned cash boxes, cash dispense machines, recyclers, or branch vaults.
Deliver quality member service, serve as a role model for new employees, and follow teller safety, security, and operating procedures.
Maintain accuracy and attention to detail, audit work promptly, resolve errors, and communicate product, service, or control improvement opportunities to the Branch Manager.
Follow credit union policies, procedures, and regulatory requirements; complete required annual regulatory and other assigned training on time.
Assist with opening and closing security procedures for credit union offices, read internal publications, and perform other assigned duties.