Personal Banker - Chelsea, MI

American 1 Credit Union•Chelsea, MI

2d•Onsite

About The Position

The Personal Banker, also identified as a Member Service Specialist, delivers an excellent member experience through credit union transactions, including opening memberships and accounts, lending, and other banking services. The role involves reviewing member accounts, building relationships that support retention and financial wellness, and identifying products and services suited to members’ needs. The employee maintains accurate records and follows credit union processes, policies, procedures, customer identification requirements, and BSA requirements. The position works collaboratively with the branch team to provide superior service and achieve individual and branch goals. It requires clear communication with members in person and by phone, accurate handling of account and loan documentation, and support for teller-line transactions as needed. The employee represents the credit union in the community and may work at any credit union location within 20 miles of the home branch. The position is on-site at the Chelsea, Michigan branch, pays $21.13 per hour, and benefits begin on day one. Employment offers are contingent upon background screens.

Requirements

High school diploma or GED.
Prior customer service and sales experience.
Excellent verbal and written communication skills.
Working knowledge of PC applications such as Microsoft Office.
Ability to work independently and collaboratively as part of a team.
Ability to direct and coach other team members.
Ability to exercise tact and responsibility when handling confidential information.

Nice To Haves

Credit union or banking experience.
Knowledge of credit union products, services, policies, core processes, and procedures.
Ability to provide supervisory leadership of professional- and intermediate-level staff.
Demonstrated member-focused strategy skills.
Skill in gathering, reporting, and summarizing data trends.
Ability to make decisions and take initiative in resolving problems.

Responsibilities

Build meaningful relationships with members by listening, understanding their needs, and offering appropriate solutions.
Deliver superior service in accordance with the credit union’s GREAT service standards.
Open and service new and existing accounts, including checking, savings, IRAs, and memberships.
Process account activity, including internal transfers, account updates, check orders and reorders, stop-payment requests, card inquiries, and troubleshooting.
Process loan applications at all levels, including auto, credit card, and home equity loans; analyze requests and submit applications promptly for audit and examination.
Communicate loan decisions, follow up on approved applications, prepare required documents, and finalize loans and disburse funds.
Answer member questions about accounts, loans, products, and services in person and by phone; respond to requests, problems, and complaints or refer members to the appropriate person.
Cross-offer checking, lending, and product-protection solutions consistent with individual and branch goals.
Maintain accurate account and loan records and follow core processes, policies, procedures, customer identification requirements, and BSA requirements.
Support branch goals and personal scorecard results while collaborating with the branch team.
Work assigned hours and be flexible to work at credit union locations within 20 miles of the home branch.
Mentor and support team members, and assist with supervisory leadership as needed.
Assist the teller line by processing deposits, withdrawals, loan payments, transfers, and other member transactions accurately and efficiently.
Represent the credit union in the community.
Protect the confidentiality of member, employee, and credit union information.