Financial Service Representative Diberville 5153

Keesler Federal Career • D'Iberville, MS

23d • Onsite

About The Position

Under general supervision, but following established policies and procedures, this role is responsible for creating, opening, and processing new consumer & business member accounts and cross-selling services to members. The Financial Services Representative explains products’ and/or services’ value, benefits, features, rates, and fees to members. Using the AIDINC® process as outlined in The Member Advantage (TMA) training, the representative conducts a high-quality interview with members and potential members to satisfy their needs. Through the use of the Opening Act (OA) system, they create membership, new accounts, and process deposit services in Symitar. They also use Opening Act to build and submit loan applications to Central Lending Decision Makers for a decision. If an application is immediately approved by the system, under the guidance of the Branch Manager, Assistant Branch Manager, or Loan Officer, they take steps to disburse the loan. The representative represents the credit union in a professional, friendly, and courteous manner, giving prompt, efficient, and accurate service in the processing of all transactions. They stay current with credit union membership requirements, deposit products, services, loan products, and marketing campaigns.

Requirements

• A high school education or GED.
• One year to three years of similar or related experience.
• Completion of Lending Class, New Accounts training, and Teller training through the KFCU Training Department required.
• Must possess ability to operate computer terminal, computer printers, calculator, fax machine, copier, telephone, fax machine, currency counter, and copier with accuracy and attention to detail.
• Must possess and exhibit an outgoing personality, helpful member service attitude and an ability to sell credit union products and services.
• Must possess strong basic math skills, accuracy and attention to detail.
• Must demonstrate an ability to understand and implement changing policies and procedures.
• Must be knowledgeable of teller transactions relevant to the position.
• Must maintain confidentiality and dependability.
• Exceptional oral and written communication skills required.
• Extensive use of personal PC required.
• Must be proficient in Microsoft Word, Excel, as well as use of internet and e-mail.
• Must be able to navigate the internet to search for data and be able to complete online forms.
• Must be familiar with home banking and bill paying services.
• Must actively participate in and successfully complete The Member Advantage (TMA) training within 9 months of employment.
• Must actively participate in and successfully complete TMA Annual Accelerator training classes.

Nice To Haves

• Community college coursework is desired.
• Somewhat knowledgeable of emerging computer technology, such as mobile devices, imaging technology, and social media.

Responsibilities

• Opens and processes required documentation for all types of consumer & business deposit accounts including individual retirement accounts and certificates of deposit using Opening Act and/or Symitar.
• Orders and statuses ATM and Debit cards through Card Creation Wizard or utilizes Card@Once to provide members with ATM and Debit cards instantly.
• Handles ATM and Debit card disputes and fraud disputes.
• Conducts quality interviews with members using the AIDINC® system to meet member needs through credit union products and services.
• Accepts deposits and payments and performs withdrawals or loan advances within the scope of an FSR I authority on a variety of transaction and savings products as well as a variety of loan types, including credit cards.
• Reads back members’ receipts to verify and finalize the accuracy of the transaction at the conclusion of a member interaction.
• Maintains control of cash by double counting all cash received and disbursed, or being diligent as the 2nd party in any dual control procedure within the scope of an FSRI authority.
• Verifies checks for deposit are made payable to parties presenting them for negotiation, properly endorsed, and deposited in accordance with credit union policy, for new accounts and, if applicable, Reg CC.
• Determines collectability based on the actual check and the member presenting the item, which may require an extended hold, utilizing True Checks within prescribed guidelines.
• Provides account information such as current balances, transaction history, dates & amounts of deposits and loan pay-offs (excluding business loans), only for the member account owner(s) for consumer & business accounts.
• Resolves members’ concerns, complaints, discrepancies, and problems through the use of available resources, effective use of KFCU computer systems, and product knowledge.
• Refers problems through the chain-of-command for resolution.
• Utilizes the Synapsys CRM to effectively track member concerns.
• Uses Opening Act system and the AIDINC process to complete quality consumer & business loan applications over the phone or in person, with the goal of meeting member needs and minimizing pending applications.
• Routes loan applications and any supporting documentation to Central Lending Decision Makers for disposition via Opening Act Priority 1 or Priority 2 queue.
• Communicates declined loan decisions and the reasoning to the member in a positive and tactful manner, advising on proactive steps to improve prospects or credit scores.
• Disburses loans in accordance with guidelines and procedures upon approval.
• Ensures all paperwork and documents for loan closure are correctly completed, ensuring the member and KFCU are fully protected, collateral is properly listed as lienholder, member is aware of collateral insurance requirements, and terms to avoid defalcation are understood by the borrower(s).
• Provides insightful guidance and assists members through the process of opening deposit accounts, loans, and other services using the AIDINC process, like a concierge and utilizing TMA behavioral styles as a guide.
• Strives to exceed goals set by the credit union with regard to member service and sales of all products and services offered.
• Upholds all member information in the strictest confidence.
• Accurately interprets the Fair Credit Reporting Act as it applies to credit union loans.
• Completes, with an acceptable grade, all training for this position as directed by management and actively participates in training classes.
• Makes outbound phone calls to contact members in regards to products or services for which the member qualifies, in support of marketing campaigns.
• Effectively uses TMA skills to open new products and services for membership.
• Maintains proficiency in Symitar, COWWW, Synergy, Synapsys CRM, Outlook, Microsoft Office, Opening Act, and any other computer systems necessary to perform the job satisfactorily.
• Responsible for compliance with all Federal regulations including Bank Secrecy Act (BSA), Office of Foreign Assets Control (OFAC), Red Flag Program and REG CC.
• Utilizes The Member Advantage AIDINC® system to identify potential member (internal or external) service needs which can be met through the sale of credit union products and services, or adherence to the department’s policy and procedures, through direct sale and referral.
• Effectively uses the Synapsys CRM to create, monitor, and manage sales and referrals for consumer & business accounts.
• Provides merchant referrals directly to the merchant for business accounts.
• Maintains branch office equipment and supplies necessary to keep the office working efficiently.
• Assists in balancing the ATM as directed by the Branch Manager or Assistant Branch Manager.
• Assists in the balancing of Night Depository as directed by the Branch Manager or Assistant Branch Manager.
• Performs miscellaneous duties as assigned.

Benefits

• Medical, dental, and vision insurance
• Short Term & 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 you
• Paid Leave
• 11 Paid Holidays
• Tuition Reimbursement
• Competitive Scholarships
• EAP (Employee Assistance Program)

What This Job Offers

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