Financial Services Representative-Full Time

Security Credit Union•Burton, MI

11d

About The Position

The Financial Services Representative provides quality service to internal and external members in person and by telephone, and performs duties across teller and member services areas according to established policies and procedures. The position promotes credit union products and services, completes member transactions, supports lending and account services, maintains operational records and supplies, and helps ensure the department and office operate securely and effectively. The role includes opening, servicing, and closing deposit accounts and certificates; processing credit and debit card requests, consumer loans, transfers, wire transactions, stop payments, fraud investigations, and other account maintenance; and completing teller duties such as deposits, payments, withdrawals, check cashing, cashier’s checks, money orders, and check processing. The representative also assists with loan-related applications, insurance products and claims, credit report disputes, lien terminations, and other assigned lending and member service functions. The employee is expected to maintain knowledge of credit union policies, procedures, systems, lending guidelines, and applicable regulations; balance daily; report and correct discrepancies; complete required logs and reports; support coworkers; and provide prompt, courteous service. A high school diploma or equivalent is required. Previous cash handling and customer service experience is desired.

Requirements

High school diploma or equivalent.
Good keyboard skills.
Good numerical, clerical, and communication skills.
Good customer service skills and cross-selling ability.
Ability to work effectively with management and other staff.
Ability to deal effectively with people and promote a team environment.
Ability to apply practical reasoning, interpret varied instructions, and solve problems.
Ability to perform arithmetic with whole numbers, fractions, decimals, ratios, rates, percentages, graphs, and monetary units.
Ability to read varied materials, write reports and essays using proper format and grammar, and speak confidently before an audience.
Must attain all required licenses and/or certifications to perform the duties of the position.
Previous cash handling and customer service experience is desired.

Nice To Haves

Previous cash handling experience.
Previous customer service experience.

Responsibilities

Provide quality, prompt, and courteous service to internal and external members in person and by telephone.
Maintain knowledge of and promote credit union products and services, make referrals, complete outbound calls, and maintain Sales Plus logs.
Maintain department and workstation supplies, prepare and organize the workstation, and distribute incoming and outgoing mail.
Train or mentor employees as directed and keep the supervisor updated on work status.
Balance daily, perform operational duties, troubleshoot department equipment, report errors and out-of-balance conditions, correct discrepancies as applicable, and perform office closing procedures.
Maintain knowledge of department online systems and software, including procedures for system outages.
Prepare reports, file, photocopy, scan documents and signature cards, and create or maintain Excel reports.
Back up the head employee and perform other functions as assigned by management.
Open, close, and change deposit accounts and regular or IRA certificates; process account-related service requests and file maintenance.
Process credit and debit card services, consumer loan requests, balance transfers, stop payments, checking account corrections and balancing, safe deposit services, electronic service requests, mortgage or home equity preliminary applications, share transfers, wire transfers, and skip-a-payments.
Investigate account or card fraud and complete associated paperwork.
Maintain knowledge of lending policy, loan approval guidelines, related laws and regulations, NADA resources, MLA, and HMDA.
Promote and sell the TruStage Lender Development Program; calculate loan terms, rates, amounts financed, and payments with eligible insurance coverages; and assist with Credit Life, Disability, Debt Protection, and GAP claims.
Perform membership officer or notary duties when assigned and according to procedures.
Perform assigned office and loan support duties, including opening and locking entrance doors, scheduling member appointments, reviewing credit reports and disputes, processing lien terminations, cleaning and organizing loan files and vaults, reviewing security title and tracking exception reports, handling CPI follow-up, completing loan verifications, supporting youth programs, handling deliveries, and completing side jobs.
Perform teller duties, including balancing cash drawers and other items; processing deposits, payments, withdrawals, check cashing, mail requests, cashier’s checks, cash advances, money orders, gift cards, promotional items, and sub-account transactions; scanning checks and balancing Check 21; and operating check, money order, and instant-issue machines.
Maintain lobby brochures and required logs; process night-drop and in-office drop-box transactions; and perform member acknowledgement desk duties.
Follow credit union policies, procedures, compliance requirements, and standards; meet management-set cross-sell and productivity standards; and respond to communications in a timely manner.
Work safely, support team members and other departments, use designated shredding areas, follow key-control and security procedures, and open and close the office using established alarm procedures.