Personal Banker/Financial Services Representative (South Bay)
About The Position
The Financial Service Representative (FSR) is based in a branch and works within established guidelines to perform sales and service activities. The role provides prompt, professional, and accurate information to members and potential members about opening new accounts, securing loans, and selecting Credit Union products and services. The FSR helps meet members’ needs and increase satisfaction while maintaining organizational service standards and meeting or exceeding monthly assigned sales goals. The representative develops and retains member relationships, addresses inquiries and complaints, opens and services consumer and specialized accounts, and originates and funds consumer loans. The position also supports business development through outreach, on-site events, and community and networking activities. It follows applicable laws, regulations, Credit Union policies, service standards, and escalation procedures, and participates in required staff development and training. Work is performed in a general office environment and does not require significant physical effort. The stated schedule is Monday through Thursday, 9:00 a.m. to 5:00 p.m., Friday until 6:00 p.m., and Saturday, 9:00 a.m. to 2:00 p.m., for 40 hours.
Requirements
- High school education or equivalent.
- Two to three years of financial institution experience in new accounts, sales, and consumer loan origination, or equivalent experience.
- Knowledge of new-account and lending policies and procedures.
- Solid knowledge of sales and referral techniques.
- Working knowledge of personal computers.
- Strong written and verbal communication skills.
- Ability to provide excellent internal and external member service.
- Demonstrated sales and service results.
- Strong time-management and organizational skills.
Responsibilities
- Provide high-quality sales and service, identify members’ financial needs, and help them select appropriate products and services.
- Resolve member complaints and respond promptly and accurately to inquiries in person, by telephone, mail, email, or internal referral.
- Follow up consistently on loan approvals to ensure timely loan closing.
- Develop, expand, and retain member relationships; adhere to the Member Experience Playbook, service-level agreements, corporate initiatives, and branch escalation procedures.
- Explain account types, products, and services, and assist members with digital services such as online banking, mobile banking, mobile deposits, direct deposit, and bill pay.
- Interview members to determine suitable accounts and services, comply with positive-identification requirements, and review existing relationships for additional service or sales opportunities.
- Make outbound telemarketing calls, promote appropriate products and services, generate and close sales opportunities, and maintain follow-up programs to expand account relationships.
- Open and service basic business, fiduciary, trust, IRA, and HSA accounts.
- Interview members about consumer loan requests, recommend suitable products, cross-sell loan protection products, and forward loans requiring review to Consumer Lending.
- Communicate loan decisions, prepare loan documents, obtain signatures, disburse loans, and complete follow-up tasks; discuss and refer business loans.
- Develop new and existing member relationships through business development, on-site activities, community events, and networking events.
- Comply with applicable laws, regulations, and Credit Union policies and procedures, including Truth in Savings and Fair Credit Lending Practices.
- Participate in assigned staff development programs, complete BAI trainings and classroom courses, report to work as scheduled, and perform other duties as assigned.
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
Education Level
High school or GED
