Financial Service Representative Turtle Creek 5277

Keesler Federal Career•Hattiesburg, MS

3d•Onsite

About The Position

Under general supervision, but following established policies and procedures, the Financial Services Representative I (FSR I) is responsible for creating, opening, and processing new consumer & business member accounts and cross-selling services to members. This role involves explaining the value, benefits, features, rates, and fees of products and services. Utilizing the AIDINC® process as outlined in The Member Advantage (TMA) training, the FSR I conducts high-quality interviews with members and potential members to satisfy their needs. The FSR I uses the Opening Act (OA) system to create membership, new accounts, and process deposit services in Symitar. Additionally, Opening Act is used to build and submit loan applications to Central Lending Decision Makers. If an application is immediately approved, the FSR I, under guidance, proceeds with loan disbursement. The role requires representing the credit union professionally, friendly, and courteously, providing prompt, efficient, and accurate service for all transactions. Staying current with credit union membership requirements, deposit products, services, loan products, and marketing campaigns is essential.

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.
Courtesy, tact, and diplomacy are essential elements of the job.
Work involves much personal contact with others inside and/or outside the organization for purposes of giving or obtaining information, building relationships, or soliciting cooperation.
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.
Somewhat knowledgeable of emerging computer technology, such as mobile devices, imaging technology, and social media.
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.

Responsibilities

Using Opening Act and/or Symitar, opens and processes required documentation for all types of consumer & business deposit accounts including individual retirement accounts and certificates of deposit.
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.
Within the scope of an FSR I authority, accepts deposits and payments and performs withdrawals or loan advances on a variety of transaction and savings products as well as a variety of loan types, including credit cards.
At the conclusion of a member interaction, reads back members’ receipts in order to verify and finalize the accuracy of the transaction.
Within the scope of an FSRI authority, maintains control of cash by double counting all cash received and disbursed, or being diligent as the 2nd party in any dual control procedure.
In opening new accounts, 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. A determination of collectability based on the actual check and the member presenting the item may require an extended hold.
Utilizes 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.
Works to resolve members’ concerns, complaints, discrepancies, and problems through 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. The goal of the loan application interview is to meet member needs and minimize pending applications.
Routes the loan applications and any supporting documentation to Central Lending Decision Makers for disposition via Opening Act Priority 1 or Priority 2 queue.
In the event of a declined loan, the FSR I clearly communicates the decision and how it was determined to the member in a positive and tactful manner. The FSR I should be able to advise the borrower(s) on proactive steps they can take to hopefully improve their prospects on their next application or improve their credit score.
Upon loan approval, disburses the loan in accordance with guidelines and procedures.
Ensures that all paperwork and documents for closure of loan are correctly completed. The goal in loan closing is to ensure that the member and KFCU are fully protected. It is imperative that any collateral offered for security has KFCU listed as lienholder, the member is aware of their requirement to maintain collateral insurance, and the terms to avoid defalcation are fully understood by the borrower(s).
Like a concierge and utilizing TMA behavioral styles as a guide, provides insightful guidance and assists members through the process of opening deposit accounts, loans and other services using the AIDINC process.
Consistent with the view that Sales is Service and Service is Sales, strives to exceed the goals set by the credit union with regard to member service and sales of all products and services offered by the credit union.
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.
In support of marketing campaigns such as Auto Loan Refinance or new member onboarding, makes outbound phone calls to contact members in regards to products or services for which the member qualifies.
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. This can be affected through direct sale and in many cases referral to another team member.
Effective use of the Synapsys CRM to create, monitor, and manage sales and referrals is required for consumer & business accounts.
Provides merchant referrals directly to the merchant for business accounts.
Maintains branch office equipment and supplies necessary to keep 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.
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)