Personal Banker/Financial Services Representative (Escondido)
About The Position
The Financial Service Representative (FSR) is based in a branch and performs sales and service activities within established guidelines. The FSR provides prompt, professional, and accurate information to members and potential members when opening accounts, securing loans, and considering Credit Union products and services. The role aims to meet members’ needs, increase member satisfaction, maintain organizational quality service standards, and meet or exceed monthly assigned sales goals. The position develops member relationships through high-quality service, identifies members’ financial needs, and assists them in selecting appropriate products and services. It opens and services a range of accounts, originates and funds consumer loans, and supports business development through outreach and community activities. The role also requires compliance with applicable laws, regulations, and Credit Union policies, participation in development and training programs, and punctual attendance. Work is performed in a general office environment and does not require significant physical effort.
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
- Build and maintain member relationships by identifying financial needs and recommending appropriate products and services.
- Provide prompt, accurate service, respond to member inquiries in person and through other channels, and resolve complaints in accordance with Credit Union standards and escalation procedures.
- Follow up on loan approvals to support timely loan closing.
- Explain account types and services, interview members to determine appropriate accounts, and comply with positive identification requirements for new account holders.
- Assist members with digital services, including online banking, mobile banking, mobile deposits, direct deposit, and bill pay.
- Analyze existing relationships to identify sales opportunities; make outbound telemarketing calls and generate and close sales with new and existing members.
- Maintain follow-up programs to expand multiple-account relationships.
- Open and service basic business, fiduciary, trust, IRA, and HSA accounts.
- Interview members about consumer loan requests, recommend products, cross-sell loan protection products, and refer business loans.
- Review loan documentation and forward loans requiring review to Consumer Lending; communicate loan decisions, prepare loan documents, obtain signatures, disburse loans, and complete follow-up tasks.
- Develop new and existing member relationships through business development, onsite activities, community events, and networking events.
- Ensure compliance with applicable laws, regulations, and Credit Union policies and procedures.
- Participate in assigned staff development programs and complete BAI training and classroom courses.
- Report to work on time 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
