Member Service Rep-Universal Associate 3

Downey Federal Credit Union•Downey, CA

About The Position

Serves as a liaison between members and the credit union in both branch and call center settings. Provides account information and performs file maintenance and monetary transactions; interviews members to identify needs and offer suitable products and services; opens memberships and individual accounts; completes consumer loan applications; and funds consumer loans. The role may work as an in-branch Universal Associate or Contact Center Representative and may cover different branches as business needs arise. The position represents the credit union professionally to members, prospective members, colleagues, and the communities of Downey, Bell, and Lynwood, while maintaining a positive attitude and exercising sound business judgment.

Requirements

High school graduate.
Two years of credit union or other lending experience.
Basic personal computer knowledge, including Word and Excel.
Ability to be bonded.
Understanding of basic accounting principles.
Ability to use office machines required for the position and understanding of EDP concepts.

Nice To Haves

Secondary education preferred.
Strong communication skills in both English and Spanish preferred.

Responsibilities

Perform as an in-branch Universal Associate or Contact Center Representative as needed, including covering different branches when business needs arise.
Respond to member inquiries and requests through all access channels offered by the credit union.
Verify eligibility, open new memberships and individual accounts, obtain required documentation, and scan copies to appropriate destinations.
Interview members to identify needs and offer appropriate products and services; maintain knowledge of credit union products, services, promotions, and benefits.
Assist members with loan applications, review applications and credit reports, obtain required documentation, verify approval requirements and loan terms, prepare and explain loan documents, obtain signatures, and disburse proceeds according to approvals and stipulations.
Complete Home Equity Loan Signings as needed and complete DMV and related forms to perfect the credit union’s security interest in collateral.
Explain loan denials professionally and courteously.
Serve as a commissioned notary public and remain current on regulations governing notary services.
Perform Universal Associate 2 duties, including deposits, withdrawals, transfers, loan payments, address changes, and other transactional or file maintenance requests.
Open IRAs and process deposits, distributions, and other IRA-related requests; understand rules for Traditional, Roth, and Coverdell ESA accounts and the features and benefits of IRA products.
Represent the credit union professionally at its offices and community events, communicating articulately with members and staff in verbal and written forms.
Comply with the Bank Secrecy Act, customer/member identification requirements, Anti-Money Laundering requirements, and OFAC requirements, including gathering information for timely and accurate Currency Transaction Reports and reporting suspicious or suspected money-laundering activity.
Maintain current knowledge of policies, procedures, rules, and regulations governing credit union operations and comply with member service standards.
Provide superior member service, promote a retail sales environment by selling credit union products and services, and maintain a positive attitude while serving members.
Protect the confidentiality and security of credit union and member information and documents.
Use analytical reasoning to identify opportunities and threats to members and the credit union.
Accept management direction to meet goals established by the Board of Directors and perform other related duties as requested by management.