Financial Service Representative Diamondhead 5326

Keesler Federal Career•Diamondhead, MS

About The Position

Under general supervision and in accordance with established policies and procedures, the Financial Services Representative I creates, opens, and processes new consumer and business member accounts and cross-sells credit union services. The representative explains products and services, including their value, benefits, features, rates, and fees, and conducts member interviews using the AIDINC® process and The Member Advantage (TMA) training to identify and meet member needs. The role uses Opening Act and Symitar to establish memberships, accounts, and deposit services, and to prepare loan applications for Central Lending Decision Makers. For applications approved immediately by the system, the representative may disburse the loan under the guidance of a branch manager, assistant branch manager, or loan officer. The representative provides professional, courteous, prompt, efficient, and accurate service; remains current on membership requirements, products, services, loans, and marketing campaigns; and protects member information. The position handles deposit and loan transactions, account and card services, member concerns, loan applications and closings, sales and referrals, and compliance responsibilities. It also supports branch operations, including equipment and supply upkeep and assistance with ATM and night depository balancing. The role requires a high school education or GED and one to three years of similar or related experience. Community college coursework is desired. Required internal training includes Lending Class, New Accounts training, and Teller training. The employee must complete TMA training within nine months of employment and participate in annual TMA Accelerator training. The position involves extensive desktop computer use in a normal office noise environment and regular sitting, standing, walking, hand use, reaching, and speaking or hearing; it also frequently involves kneeling, crouching, or stooping and occasionally lifting or moving 25–50 pounds.

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 a computer terminal, computer printers, calculator, fax machine, copier, telephone, and currency counter 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 frequent personal contact with people inside and outside the organization.
Proficiency with Microsoft Word and Excel, internet use, email, online research, and online forms; extensive personal computer use is required.
Familiarity with home banking and bill-paying services.
Ability to complete The Member Advantage (TMA) training within nine months of employment and annual TMA Accelerator training classes.
Ability to meet the physical demands of the job, including occasionally lifting or moving 25–50 pounds.

Nice To Haves

Community college coursework.
Some knowledge of emerging computer technology, including mobile devices, imaging technology, and social media.

Responsibilities

Open and process consumer and business deposit accounts, including individual retirement accounts and certificates of deposit, using Opening Act and/or Symitar.
Order and track ATM and debit cards, or provide cards instantly using Card@Once.
Handle ATM and debit card disputes and fraud disputes.
Conduct quality member interviews using the AIDINC® process to identify needs and recommend credit union products and services.
Accept deposits and payments, perform withdrawals and loan advances, and verify transaction accuracy by reading receipts back to members.
Maintain cash controls, including double-counting cash received and disbursed and following dual-control procedures.
Verify checks for deposit, endorsements, payees, and compliance with credit union policies and applicable Regulation CC requirements; use True Checks within prescribed guidelines.
Provide account information to authorized consumer and business account owners, including balances, transaction history, deposit dates and amounts, and consumer loan payoff information, excluding business loans.
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; submit applications and supporting documents to Central Lending Decision Makers through the applicable priority queue.
Communicate declined loan decisions tactfully and advise borrowers on steps that may help improve future applications or credit scores.
Disburse approved loans and ensure loan-closing documents are complete and that applicable collateral lienholder and insurance requirements are addressed.
Guide members through opening deposit accounts, loans, and other services, and strive to exceed credit union member-service and sales goals.
Protect member information and accurately apply the Fair Credit Reporting Act to credit union loans.
Complete required training and participate in training classes.
Make outbound calls for marketing campaigns and member onboarding, and use TMA skills to offer products and services for which members may qualify.
Use Synapsys CRM to create, monitor, and manage sales and referrals for consumer and business accounts; provide merchant referrals for business accounts.
Maintain proficiency in Symitar, COWWW, Synergy, Synapsys CRM, Outlook, Microsoft Office, Opening Act, and other systems required for the role.
Comply with applicable federal regulations, including BSA, OFAC, the Red Flag Program, and Regulation CC.
Maintain branch equipment and supplies and assist with ATM and night depository balancing as directed.
Perform other duties as assigned.

Benefits

Medical insurance
Dental insurance
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 a 100% match on the first 5% contributed by the employee
Paid leave
11 paid holidays
Tuition reimbursement
Competitive scholarships
Employee Assistance Program (EAP)