Financial Service Representative Ocean Springs 5296

Keesler Federal Credit Union•Ocean Springs, 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 connect members with credit union products and services. The role explains product and service features, benefits, rates, and fees, and conducts member interviews using the AIDINC® process and The Member Advantage (TMA) approach. Using Opening Act and Symitar, the representative creates memberships and accounts, processes deposit services, and submits loan applications to Central Lending Decision Makers. Under appropriate manager or loan officer guidance, the representative may disburse system-approved loans. The FSR I provides courteous, accurate service; addresses member concerns; maintains confidentiality; supports sales and marketing campaigns; and stays current on membership requirements, products, services, and campaigns. The position also supports branch operations, including equipment and supply upkeep and assistance with ATM and night depository balancing. The position requires a high school education or GED and one to three years of similar or related experience. Community college coursework is desired. Required training includes Lending Class, New Accounts training, and Teller training through the KFCU Training Department, along with completion of TMA training within nine months of employment and annual TMA Accelerator training. The role involves extensive computer use and requires proficiency with office software, internet and email, and relevant credit union systems. It is based in a normal office environment and includes regular sitting, standing, walking, hand use, reaching, and communication; frequent kneeling, crouching, or stooping; and occasional lifting or moving of 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 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.
Confidentiality and dependability.
Exceptional oral and written communication skills.
Extensive personal-computer use; proficiency in Microsoft Word and Excel, internet use, and email.
Ability to search the internet for data and complete online forms.
Familiarity with home banking and bill-paying services.
Ability to perform the physical demands of the role, including occasional lifting or moving of 25–50 pounds.
Must actively participate in and successfully complete The Member Advantage (TMA) training within nine months of employment.
Must actively participate in and successfully complete TMA Annual Accelerator training classes.

Nice To Haves

Community college coursework.
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, provide instant cards when applicable, and handle card and fraud disputes.
Conduct 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 within FSR I authority, and verify transaction accuracy by reading receipts back to members.
Maintain cash controls by double-counting cash received and disbursed and following 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 account information to authorized consumer and business account owners, including balances, transaction history, deposit dates and amounts, and loan payoff information, excluding business loans.
Resolve or escalate member concerns, complaints, discrepancies, and problems, and track concerns using 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 through the appropriate queue.
Communicate declined loan decisions tactfully and advise borrowers on steps that may improve future application prospects or credit scores.
Disburse approved loans according to guidelines, complete closing documentation, and ensure applicable lienholder and collateral-insurance requirements are addressed and understood.
Guide members through opening deposit accounts, loans, and other services using TMA behavioral styles and the AIDINC process.
Work to exceed credit union member-service and sales goals for products and services.
Maintain strict confidentiality of member information and accurately interpret the Fair Credit Reporting Act as it applies to credit union loans.
Complete required training and participate in training classes.
Make outbound calls in support of marketing campaigns and 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 job.
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; refer members to other team members when appropriate.
Provide merchant referrals directly to merchants for business accounts.
Maintain branch office equipment and supplies, assist with ATM balancing, assist with night depository balancing, and perform other assigned duties.

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).