Financial Services Representative- Full Time

Security Credit Union•Waterford, MI

About The Position

The Financial Services Representative provides quality service to internal and external members in person and over the telephone. The role performs duties across teller and member services functions, promotes credit union products and services, supports account and loan transactions, and carries out operational, administrative, security, and office procedures in accordance with established policies and procedures. The representative may train or mentor employees as directed and provide backup for other duties as assigned by management. The position requires prompt, courteous service, teamwork, knowledge of credit union policies and procedures, and compliance with applicable requirements. The employee must maintain knowledge of department systems and procedures, complete required logs and communications, and meet management-set cross-selling and productivity standards. The starting salary is $18.50. The physical demands include regularly sitting and using hands and fingers, talking or hearing; frequently sitting, standing, and reaching; and occasionally lifting up to 20 pounds or exerting force to move up to 50 pounds.

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, deal effectively with people, and promote a team environment.
Ability to reason through practical problems, interpret varied instructions, and apply arithmetic involving common and decimal fractions, ratios, rates, percentages, graphs, and monetary units.
Ability to read, write reports and essays with correct format and grammar, and speak confidently before an audience.
Must attain all licenses and/or certifications required to perform the duties of the position.
Must perform job tasks as assigned and follow applicable compliance requirements, policies, procedures, and standards.

Nice To Haves

Previous cash-handling experience desired.
Previous customer-service experience desired.

Responsibilities

Promote credit union products and services, make outbound calls and referrals, and complete Sales Plus logs.
Order and maintain office and workstation supplies; prepare and organize the workstation; distribute incoming and outgoing mail.
Train or mentor employees as directed and provide required work-status updates to a supervisor.
Balance daily, perform operational duties, troubleshoot department equipment, report and correct out-of-balance conditions as applicable, and complete office closing procedures.
Maintain working knowledge of online systems and department software, including procedures for system outages.
Prepare reports, maintain and create Excel reports, file, photocopy or scan documents, and scan signature cards as assigned.
Back up the head employee and perform other functions as assigned by management.
Perform member-service duties, including opening, closing, and changing deposit accounts and certificates; processing card requests and transactions, stop payments, checking-account corrections, safe deposit services, electronic service requests, credit cards and consumer loans, mortgage and home-equity preliminary applications, transfers, wire transfers, skip-a-payments, fraud investigations, and account file maintenance.
Maintain knowledge of lending policies, 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 members with related claims.
Perform membership officer and notary duties as assigned and according to procedures.
Carry out office and loan-support tasks, including opening and locking entrance doors, scheduling member appointments, reviewing credit reports and investigating disputes, processing lien terminations, organizing loan files and the loan vault, reviewing title and tracking exceptions, handling CPI follow-up and loan verifications, supporting youth program activities, handling deliveries, and completing assigned side jobs.
Perform teller duties, including balancing cash drawers and other items; processing deposits, payments, withdrawals, check cashing and mail requests; issuing cashier's checks, cash advances, money orders, gift cards, and promotional items; scanning checks and balancing Check 21; operating check, money-order, and instant-issue machines; opening and closing sub-accounts; and verifying member deposits.
Maintain current lobby brochures and required logs; process night-drop and in-office drop-box transactions; and perform member acknowledgement desk duties.
Provide prompt and courteous service, work safely, assist teammates and other departments, and place documents in the designated shredding area.
Follow key-control and office-security procedures, including opening and closing the office and arming or disarming alarms as required.
Maintain knowledge of and follow relevant policies and procedures, including Negotiable Instrument Reference & Guidelines, NACHA, BSA, and OFAC; complete required logs and respond to communications in a timely manner.
Perform assigned job functions according to compliance requirements, policies, procedures, and standards; use Service/Sales Plus skills and meet cross-sell and productivity standards.
Perform other job-related duties as assigned.