Financial Services Representative- Full Time

Security Credit Union•Toledo, OH

16h•Onsite

About The Position

This position provides quality service to internal and external members both in-person and over the telephone. The role encompasses duties typically assigned to both teller and member services areas, adhering to established policies and procedures. Key responsibilities include actively promoting credit union products and services, completing outbound calls, and making referrals to generate new services for members. The representative is also responsible for daily workstation preparation, maintaining office supplies, processing mail, and training/mentoring other employees as directed. Operational duties involve balancing daily transactions, troubleshooting department equipment, reporting errors, and performing office closing procedures. A functional knowledge of online systems and departmental software is essential. The role involves extensive member service tasks such as opening/closing various accounts, processing credit/debit card requests, handling stop payments, managing safe deposit applications, processing electronic service requests, and assisting with loan applications and claims. Additionally, the representative will perform teller duties including cash drawer balancing, processing deposits, withdrawals, check cashing, and issuing various financial instruments. The position requires maintaining thorough knowledge of credit union policies, procedures, lending policies, and relevant regulations, while ensuring prompt and courteous service and contributing to a team environment.

Requirements

A high school diploma or equivalent.
Must attain all required licenses and/or certifications to perform duties of position.
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 rational method of problem solving to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists.
Ability to interpret a variety of instructions furnished in written, oral, blueprint, or schedule form.
Ability to add, subtract, multiply, and divide all units of measure.
Ability to perform the four operations with like common and decimal fractions.
Ability to compute ratio, rate, and percent.
Ability to draw and interpret bar graphs.
Ability to perform arithmetic operations involving all American monetary units.
Ability to read a variety of books and magazines.
Ability to write reports and essays with proper format, punctuation, spelling, and grammar, using all parts of speech.
Ability to speak before an audience with poise, voice control, and confidence, using correct English and well-modulated voice.

Nice To Haves

Previous cash handling and customer service experience desired.

Responsibilities

Maintain working knowledge of and aggressively promote credit union products/services at every opportunity, to include completing outbound calls, making referrals that result in new services to new/existing members.
Complete Sales Plus logs.
Perform duties necessary to order and maintain department office supplies and supplies in individual work area.
Prepare workstation daily and keep workstation organized.
Process mail distribution (incoming/outgoing).
Train/mentor other credit union employees as directed.
Maintain update of work status to supervisor as required.
Balance daily.
Perform operational duties and troubleshoot problems with department equipment.
Report errors, abnormalities, and out of balance conditions to supervisor immediately.
Correct all out of balance conditions as applicable.
Perform office closing procedures.
Maintain functional knowledge of online systems and all software used in the department, including the process to follow if the system goes down.
Prepare reports, file, make photocopies/scans, and scan signature cards as required and assigned.
Create new Excel reports and maintain current.
Backup the duties of the head employee, and/or other functions as assigned by management.
Perform all member service related duties, including but not limited to; opening/closing/changing of deposit accounts and regular/IRA certificates; issue, order new, close/renew, change/adjust, report travel requests, process balance transfer on Credit/Debit card accounts; processing of stop payments, copies, corrections, orders, and balancing checking accounts; safe deposit applications and member access; process electronic service requests, process and issue Visa or consumer loans, storage waivers; mortgage/home equity preliminary applications; process share to share or share to loan payment transfers; wire transfers; skip-a-payments; investigate account or card fraud and process any necessary paperwork and all member account related file maintenance requests according to procedures.
Maintain working knowledge of; lending policy, loan approval guidelines, and other related laws and/or regulations; NADA values/resources, MLA and HMDA.
Aggressively promote and sell the CUNA Mutual Lender Development Program to credit union members.
Calculate loan term, rate, amount financed, and payment amount with all eligible insurance coverages.
Assist members with Credit Life, Disability, Debt Protection, and GAP claims.
Perform duties of membership officer and/or notary as assigned and according to procedures.
Perform duties to; unlock/lock entrance doors; schedule/assume responsibility for member appointments; pull/review consumer credit reports and investigate disputes; process lien terminations; clean loan files; keep loan vault in order; review security title and tracking exception report; handle any CPI follow-up issues; loan verifications; youth program related activities; handle all office deliveries; and department assigned side jobs.
Perform all teller related duties, including but not limited to; balance cash drawer, checks received, TCDs or TCRs, and other miscellaneous items; process member deposits, payments, withdrawals, check cashing, mail requests; , cashier checks, Visa/MasterCard cash advances, money orders, gift cards and other promotional items; scan checks and balance Check 21; open/close check printer and money order machine and instant issue machine; opening/closing of sub-accounts.; member deposit verifications.
Maintain updated brochures in lobby; supply of brochures and ensure they are up-to-date; maintain and verify all required logs are completed; process night drop-box or in-office drop box transactions; and perform all member acknowledgement desk related duties.
Perform other job-related duties as assigned.
Ensure prompt and courteous service is provided to all internal and external members/customers.
Conduct work in a safe and healthful manner.
Maintain thorough knowledge and understanding of credit union policies and procedures that are necessary for performing your job.
Perform as part of a team and assist other employees and other departments as needed.
Place documents that need to be shredded in the proper area for shredding.
Maintain knowledge of and follow the established process for key control, security, and the security of all codes and procedures related to office security.
Open and close office by disarming and arming alarms, as established procedures require.
Maintain total working knowledge of department.
Complete necessary logs.
Maintain thorough knowledge and understanding of credit union policies/procedures that are necessary for performing job duties, including but not limited to Negotiable Instrument Reference & Guidelines, NACHA, BSA, and OFAC.
Perform all job tasks/functions as assigned and/or directed; according to compliance, policy, procedures and standards; use Service/Sales plus skills at all times; meet all cross-sell and productivity standards as set by management; and read/respond to all communications (voice mail/email/message board) communications in a timely fashion.