Member Advisor
About The Position
Under general supervision, the Member Advisor deepens member relationships by assessing financial needs through proactive sales and service activities. The role performs teller transactions using a TCR and originates consumer loans within underwriting guidelines, including entering applications and data, compiling required statistics, and disbursing loans. The Member Advisor qualifies potential members and completes the steps required to open deposit accounts and provide online and mobile services. The role also gathers information for consumer loan applications, member information requests, and account maintenance. The Member Advisor uses established sales techniques to support individual and related sales goals and delivers friendly, courteous, professional service to internal and external members in accordance with The Apple Way. The role follows credit union policies and procedures, including applicable Bank Secrecy Act requirements, and performs other duties as assigned by the Branch Manager.
Requirements
- At least two years of experience in lending or branch operations.
- High school diploma.
- Excellent 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 deposit- and loan-account inquiries.
- Proficiency with Akcelerant for basic inquiries on loan applications in process, entering loan applications, and disbursing approved loans.
- Proficiency with Synapsys MRM to act on Potential Sales Opportunities, 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, copier, and telephone.
- Ability to function in a financial institution environment.
Responsibilities
- Proactively greet members, assess the reason for their branch visit, and provide appropriate assistance.
- Process deposits, withdrawals, and transfers, and balance checks and cash against daily cash received vouchers.
- Enter loan application data and complete required loan documents promptly and accurately to support underwriting and protect the credit union’s security interest.
- Recommend appropriate products and services and counsel members on ways to improve their financial situations.
- Complete paperwork and data entry for deposit account openings, credit union services, and membership applications in accordance with policies and procedures.
- Provide basic information about loan and share products and existing accounts.
- Receive loan payments and checks and cash for deposit; verify amounts, examine checks for endorsement and negotiability, and enter information into the computer system.
- Follow security policies and procedures, including CTR and SAR reporting and negotiable-item procedures; refer questionable transactions to a supervisor.
- Assess member needs, recommend products and services, and cross-sell relevant credit union products.
- Provide members with information in person or by telephone, including information about alternative loan products, rates, terms, and collateral requirements.
- Calculate financial ratios and collateral valuations under loan underwriting guidelines and verify source data such as income documentation.
- Enter member activity and comments in Synapsys MRM as needed.
- Stay current on credit union products, services, policies, and procedures, and complete annual internal training requirements.
- Research member questions and concerns regarding accounts, services, or products; set expectations for response times; make authorized adjustments, corrections, or fee refunds, or seek approval as needed.
- Identify cross-selling opportunities, act on Potential Sales Opportunities in Synapsys, and refer members as appropriate.
- Attend and actively support external business development and loan sales events.
- Perform other duties as assigned by the Branch Manager.
Benefits
- Medical, dental, and vision coverage
- 401(k) with employer match
- Paid time off
- 11 paid federal holidays
- Paid volunteer time
- Tuition reimbursement
- Ongoing training opportunities
- Annual TEAM Bonus plan
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What This Job Offers
Job Type
Full-time
Education Level
High school or GED
