Member Advisor -Members Way Branch

Apple Federal Credit Union•Fairfax, VA

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, originates consumer loans within underwriting guidelines, and completes loan application and supporting data entry, required documentation, and loan disbursal. It also qualifies potential members; opens deposit accounts and online/mobile services; responds to member information requests; and maintains accounts. The Member Advisor provides friendly, courteous, and professional service in line with The Apple Way, follows credit union policies and procedures and applicable Bank Secrecy Act requirements, and supports individual and related sales goals. Other duties may be assigned by the Branch Manager. The position serves as a trusted advisor, recommends appropriate products and services based on member needs, and helps members understand ways to improve their financial situation. It handles branch and telephone inquiries, researches account concerns, sets response expectations, and makes authorized adjustments or seeks approval when needed. The role also supports external business development and loan sales events and meets annual internal training requirements.

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 the 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 inquiry on loan applications in process, entering 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 machine, copier, and telephone.
Ability to function in a financial institution environment.
Selected candidates are subject to credit and background checks to determine employment eligibility.

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; verify amounts and check endorsements, and balance checks and cash to daily cash received vouchers.
Enter loan application data and comments accurately and promptly, complete required loan documents, support timely underwriting review, calculate financial ratios and collateral valuation, verify source data, and disburse approved loans.
Qualify potential members and complete required paperwork and data entry for membership, deposit account openings, and other credit union services, including online and mobile services.
Provide basic information about loan and share products and existing accounts, including loan rates, terms, and collateral requirements.
Assess member needs and recommend or cross-sell appropriate credit union products and services; act on Potential Sales Opportunities and refer members accordingly.
Record member activity in Synapsys MRM as needed and use it to act on opportunities, create and enter events, and retrieve and read sales reports.
Follow Apple FCU security policies, negotiable-items procedures, CTR and SAR reporting requirements, and refer questionable transactions to the immediate supervisor.
Research and investigate member concerns about account activity, services, or products; set expectations for timely responses and make authorized adjustments, corrections, or fee refunds, or seek approval.
Stay current on Apple FCU products, services, policies, and procedures and complete required annual training.
Attend and actively support external business development and loan sale events.
Perform duties in accordance with The Apple Way principles: Team Up, Serve With Purpose, Challenge Yourself, and Own It.