Financial Service Representative Orange Grove 5287

Keesler Federal Credit Union•Gulfport, MS

13d

About The Position

The Financial Services Representative I (FSR I) works under general supervision and follows established policies and procedures to open and process new consumer and business member accounts, provide transactions and account services, and recommend credit union products and services. The representative conducts member interviews using the AIDINC® process and The Member Advantage (TMA) training, explains product features, benefits, rates, and fees, and provides professional, courteous, accurate service. The role uses Opening Act and Symitar to create memberships and accounts and to prepare loan applications for Central Lending Decision Makers. For immediately approved applications, the FSR I may disburse loans under the guidance of a Branch Manager, Assistant Branch Manager, or Loan Officer. The position requires staying current on membership requirements, deposit and loan products, services, and marketing campaigns. It also involves protecting member information, following applicable regulations and internal procedures, completing required training, maintaining proficiency in credit union and office software, and supporting branch operations. The work involves extensive desktop-computer use in a normal office environment.

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 attentively.
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.
Confidentiality and dependability.
Exceptional oral and written communication skills.
Courtesy, tact, and diplomacy in frequent personal interactions inside and outside the organization.
Extensive personal-computer use and proficiency in Microsoft Word, Excel, internet use, 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 TMA training within nine months of employment and complete TMA Annual 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 and track ATM and debit cards, issue cards instantly when applicable, and handle card and fraud disputes.
Conduct member interviews using the AIDINC® process to identify needs and connect members with appropriate credit union products and services.
Accept deposits and payments, process withdrawals and loan advances, and verify transaction accuracy with members.
Maintain cash controls, including double-counting cash received and disbursed and participating diligently in dual-control procedures.
Verify checks for deposit, endorsements, payees, and compliance with credit union policy and applicable Regulation CC requirements; use True Checks within prescribed guidelines.
Provide permitted account information to consumer and business account owners.
Resolve or refer member concerns, complaints, discrepancies, and problems, and track concerns using Synapsys CRM.
Complete consumer and business loan applications by phone or in person, and route applications and supporting documents to Central Lending Decision Makers through the appropriate Opening Act queue.
Communicate declined loan decisions tactfully and explain potential steps members can take to improve future application prospects or credit scores.
Disburse approved loans in accordance with guidelines, complete closing documentation, and ensure collateral and insurance requirements are addressed.
Guide members through opening deposit accounts, applying for loans, and obtaining other services.
Work to exceed credit union goals for member service and sales of products and services.
Maintain strict confidentiality of member information and accurately apply the Fair Credit Reporting Act as it relates to credit union loans.
Complete assigned training and participate in training classes.
Make outbound calls in support of marketing campaigns and use TMA skills to offer qualifying members products and services.
Maintain proficiency in Symitar, COWWW, Synergy, Synapsys CRM, Outlook, Microsoft Office, Opening Act, and other required systems.
Comply with applicable federal regulations, including BSA, OFAC, the Red Flag Program, and Regulation CC.
Use AIDINC® and Synapsys CRM to identify, create, monitor, and manage sales and referrals for consumer and business accounts.
Provide merchant referrals directly to business-account merchants.
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 a 100% match on the first 5% contributed by the employee
Paid leave
11 paid holidays
Tuition reimbursement
Competitive scholarships
Employee Assistance Program (EAP)