Member Advisor

Apple Federal Credit Union•Falls Church, VA

1d•Onsite

About The Position

Under general supervision, the Member Advisor deepens member relationships by assessing financial needs through proactive sales and service activities. The role processes teller transactions using a TCR, originates consumer loans within underwriting guidelines, and completes loan application and account-opening processes. The Member Advisor qualifies potential members, opens deposit accounts, enrolls members in online and mobile services, and handles member information requests and account maintenance. The position delivers friendly, courteous, professional service to external and internal members and follows The Apple Way principles: Team Up, Serve With Purpose, Challenge Yourself, and Own It. The role also requires adherence to credit union policies and procedures and applicable Bank Secrecy Act regulations. Other duties may be assigned by the Branch Manager. The Member Advisor assesses member needs and recommends appropriate products and services, supports individual and related sales goals, and works to ensure member satisfaction. The role handles account research and concerns, records member activity, and attends and supports external business development and loan sales events. The position is based at the Baileys Crossroads location.

Requirements

Minimum two years of experience in lending or branch operations.
High school diploma.
Excellent positive member/customer service and interpersonal skills.
Excellent math skills and ability to communicate effectively with members.
Familiarity with teller loan documents, lending regulations, and credit union policies and procedures.
Proficiency with Symitar for posting teller transactions and making inquiries on deposit and loan accounts.
Proficiency with Akcelerant for basic inquiries on loan applications in process, loan application entry, and disbursement of approved loans.
Proficiency with Synapsys MRM to act on PSOs, create and enter events, and retrieve and read My Sales reports.
Excellent oral, written, and telephone communication skills.
Attention to detail and accuracy.
Keyboarding speed of 40 words per minute.
Proficiency with PC applications.
Ability to lift 25 pounds and use standard office equipment, including a PC, fax machine, copier, and telephone.
Ability to function in a financial institution environment.

Responsibilities

Proactively greet members, assess the reason for their branch visit, and assist them accordingly.
Process deposits, withdrawals, account transfers, loan payments, and other teller transactions; balance checks and cash to daily cash received vouchers.
Enter loan application information accurately and promptly, complete required loan documents, and support timely underwriting review and protection of the credit union’s security interest.
Assess members’ financial needs and recommend appropriate products and services, including cross-selling and following up on Potential Sales Opportunities (PSOs).
Qualify potential members and complete required steps and paperwork for membership, deposit account openings, and other credit union services, including online and mobile services.
Provide basic information about loan and share products, existing accounts, alternative loan products, rates, terms, and collateral requirements through in-person and telephone interactions.
Calculate financial ratios and collateral valuations, and verify source data such as income documentation in accordance with loan underwriting guidelines.
Record member activity and comments in Synapsys MRM as needed; act on PSOs, create and enter events, and retrieve and review My Sales reports.
Follow security policies, CTR and SAR reporting requirements, negotiable-item procedures, and refer questionable transactions to the immediate supervisor.
Research member-account, service, and product activity; set expectations for timely responses; make authorized adjustments, corrections, or fee refunds, or obtain appropriate approval.
Stay current on credit union products, services, policies, and procedures, and complete annual internal training requirements.
Attend and actively support external business development and loan sale events.
Perform other duties as assigned by the Branch Manager.