Financial Services Representative- Full Time

Security Credit Union•Waterford, MI

About The Position

Provides quality service to internal and external members in person and over the telephone. Performs duties assigned to teller and member services areas according to established policies and procedures. The role includes promoting credit union products and services, handling member accounts and transactions, supporting lending and insurance services, maintaining operational records and equipment, and carrying out additional duties assigned by management. The employee is expected to provide courteous service, follow credit union policies and security procedures, work effectively as part of a team, and meet service, sales, cross-sell, and productivity standards.

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 perform practical problem-solving and interpret written, oral, blueprint, or schedule instructions.
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 correct format and grammar, and speak confidently before an audience.
Must attain all required licenses and/or certifications to perform the duties of the position.
Perform assigned tasks in accordance with compliance requirements, policies, procedures, and standards; use Service/Sales Plus skills; meet cross-sell and productivity standards; and read and respond to communications in a timely manner.
Previous cash-handling and customer-service experience is desired.

Nice To Haves

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

Responsibilities

Promote credit union products and services, make outbound calls and referrals, and complete Sales Plus logs.
Order and maintain office supplies; prepare and organize the workstation; distribute incoming and outgoing mail.
Train or mentor employees as directed and keep the supervisor informed of work status.
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 system outage procedures.
Prepare reports, file, photocopy and scan documents, scan signature cards, and create and maintain Excel reports.
Back up the head employee and perform other functions as assigned by management.
Perform member services duties, including opening, closing, and changing deposit accounts and certificates; processing card, checking, electronic service, transfer, wire, stop-payment, safe-deposit, loan, and other account requests; investigating account or card fraud; and completing related 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 insurance and GAP claims.
Perform membership officer and/or notary duties when assigned and according to procedures.
Perform assigned office, loan, and member-support tasks, including managing appointments, reviewing consumer credit reports and disputes, processing lien terminations and loan verifications, maintaining loan files and the loan vault, handling CPI follow-up, deliveries, youth program activities, and department side jobs.
Perform teller duties, including balancing cash drawers and processing deposits, payments, withdrawals, check cashing, mail requests, cashier checks, cash advances, money orders, gift cards, and other promotional items.
Scan checks and balance Check 21; operate check printers, money order machines, and instant issue machines; open and close sub-accounts; and verify member deposits.
Maintain lobby brochures and required logs; process night-drop or in-office drop-box transactions; and perform member acknowledgement desk duties.
Provide prompt and courteous service, work safely, assist colleagues and departments as needed, and place documents designated for shredding in the proper area.
Follow key-control and office-security procedures, including opening and closing the office and arming or disarming alarms as required.
Maintain knowledge of credit union policies and procedures, including Negotiable Instrument Reference & Guidelines, NACHA, BSA, and OFAC; complete required logs and respond to communications in a timely manner.
Perform other job-related duties as assigned.