Financial Service Representative Diamondhead 5326

Keesler Federal Credit Union•Diamondhead, MS

About The Position

The Financial Services Representative I works under general supervision and follows established policies and procedures to open and process consumer and business membership and deposit accounts, explain product and service features, and identify and meet members’ needs. The role conducts member interviews using the AIDINC® process and The Member Advantage (TMA) training, and uses Opening Act and Symitar to create memberships and accounts and prepare loan applications for Central Lending Decision Makers. For applications approved immediately by the system, the representative may disburse loans under the guidance of a Branch Manager, Assistant Branch Manager, or Loan Officer. The representative provides accurate, efficient, professional, and courteous service across account transactions, debit and ATM card services, loan applications and closings, member concerns, sales and referrals, and regulatory compliance. The position also supports branch operations, including maintaining office equipment and supplies and assisting with ATM and night depository balancing. The role requires completion of designated training and proficiency in the credit union’s computer systems and relevant products, policies, and procedures.

Requirements

High school education or GED.
One to three years of similar or related experience.
Completion of Lending Class, New Accounts training, and Teller training through the KFCU Training Department.
Ability to operate computer terminals, printers, calculators, fax machines, copiers, telephones, and currency counters accurately and with attention to detail.
Outgoing personality, helpful member-service attitude, and ability to sell credit union products and services.
Strong basic math skills, accuracy, and attention to detail.
Ability to understand and implement changing policies and procedures.
Knowledge of teller transactions relevant to the position.
Ability to maintain confidentiality and dependability.
Exceptional oral and written communication skills.
Courtesy, tact, and diplomacy in interactions with people inside and outside the organization.
Extensive personal computer use and proficiency in Microsoft Word, Excel, internet, and email.
Ability to search the internet for data and complete online forms.
Familiarity with home banking and bill-paying services.
Must actively participate in and successfully complete The Member Advantage (TMA) training within nine months of employment and successfully complete annual TMA Accelerator training classes.

Nice To Haves

Community college coursework is desired.
Some knowledge of emerging computer technology, such as mobile devices, imaging technology, and social media.

Responsibilities

Open and process documentation for consumer and business deposit accounts, including individual retirement accounts and certificates of deposit, using Opening Act and/or Symitar.
Order, track, and provide ATM and debit cards; handle ATM, debit card, and fraud disputes.
Conduct quality member interviews using the AIDINC® process to identify needs and recommend credit union products and services.
Process deposits, payments, withdrawals, and loan advances within the authority of the FSR I role, and verify transaction accuracy with members.
Maintain cash control by double-counting cash received and disbursed and following dual-control procedures.
Verify checks and endorsements for deposit, follow applicable credit union and Reg CC policies, assess when extended holds may be required, and use True Checks within prescribed guidelines.
Provide authorized account information to consumer and business account owners.
Resolve member concerns, complaints, discrepancies, and problems using available resources and systems; escalate issues through the chain of command and track concerns in Synapsys CRM.
Complete consumer and business loan applications by phone or in person using Opening Act and the AIDINC process, and route applications and supporting documents to Central Lending Decision Makers.
Communicate declined loan decisions tactfully and advise borrowers on steps that may improve future application prospects or credit scores.
Disburse approved loans in accordance with procedures, complete closing documents, and ensure collateral, lienholder, and insurance requirements are addressed.
Guide members through opening deposit accounts, loans, and other services, and work to exceed member-service and sales goals.
Maintain confidentiality of member information and accurately interpret the Fair Credit Reporting Act as it applies to credit union loans.
Complete required position training and participate in training classes.
Make outbound calls supporting marketing campaigns and member onboarding; use TMA skills to offer qualifying products and services.
Maintain proficiency in Symitar, COWWW, Synergy, Synapsys CRM, Outlook, Microsoft Office, Opening Act, and other systems needed for the role.
Comply with applicable federal regulations, including BSA, OFAC, the Red Flag Program, and Reg CC.
Use AIDINC and Synapsys CRM to identify, create, monitor, and manage member sales and referrals; provide merchant referrals for business accounts.
Maintain branch office equipment and supplies, and assist with ATM and night depository balancing as directed.
Perform other duties as assigned.

Benefits

Medical, dental, and vision insurance
Short-term and long-term disability benefits
Section 125 flexible spending accounts for health care and dependent care expenses
Employee and dependent life insurance
401(k) retirement plan with 100% match on the first 5% contributed by the employee
Paid leave
11 paid holidays
Tuition reimbursement
Competitive scholarships
Employee Assistance Program (EAP)