Member Service Representative I

Cedar Point Federal Credit Union•Charlotte Hall, MD

11d

About The Position

The Member Service Representative I performs duties across Credit Union member service areas, including new accounts, lending, reception, and teller services. The role provides information about Credit Union services and policies, processes member and business transactions, supports account opening and loan applications, and assists members with digital banking. It also includes cash balancing, ATM maintenance, regulatory and security-related procedures, and completing required education while following applicable rules and regulations.

Requirements

High school graduation is required.
Pleasant personality.
General office experience.
Excellent computer and internet skills.
Excellent organizational skills.
Strong business letter-writing skills.
Ability to interact comfortably with coworkers, members, and management.
Ability to become and remain a Notary Public.

Nice To Haves

Some college education is desired.
One or more years of financial experience is a plus.
Loan experience is a plus.

Responsibilities

Maintain broad knowledge of Credit Union services and policies, stay current on products and services, answer general inquiries, and proactively offer relevant products and services.
Accept and process financial transactions for members and businesses by phone, mail, or in person, including deposits, withdrawals, loan payments, money orders, certified checks, bond redemption, postage stamps, wire transfers, and safe deposit box transactions.
Process currency transaction reports (CTR) and recommend suspicious activity reports (SAR) to the security officer.
Balance teller cash, checks, and miscellaneous items; identify and recommend corrections for out-of-balance situations.
Maintain the ATM by balancing and replenishing cash, processing deposits, and ensuring deposit envelopes and receipt paper are stocked.
Maintain status as a Notary Public.
Open shares, share draft, sub-share, youth, sole proprietor, and certificate accounts, excluding IRA accounts.
Explain draft-account procedures regarding stop payments, non-sufficient funds for checks and card transactions, overdraft protection, and overdraft privilege.
Open business, trust, traditional IRA, and Roth IRA accounts; process and explain IRA distributions, contributions, rollovers, and transfers.
Explain share insurance and process transactions using remote signature.
Assist members with digital banking, including password resets, account unlocking, and enrollment.
Process MasterCard and signature loan applications, offer and enroll applicants in available voluntary debt protection products, perform required credit checks, forward completed applications to the loan officer for approval, and process adverse and subsequent actions.
Discuss and process Visa debit card disputes, ACH disputes, stop payments for checks, teller checks, and ACH; receive death claim information.
Discuss and process collateral loans, including titling paperwork, and process other non-collateral loans; maintain basic knowledge of available commercial loans.
Complete required and recommended educational courses and follow applicable rules and regulations, including the Bank Secrecy Act.
Perform other duties as assigned.