PERSONAL SERVICE REPRESENTATIVE 1

7 17 Credit Union•Canfield, OH

5d•Onsite

About The Position

Responsible for greeting, welcoming, guiding and assisting Credit Union members and visitors in a prompt, enthusiastic, professional, friendly and respectful manner while consistently conveying the willingness to help. Responsible for delivering consistently exceptional member service as a single point of contact for defined consumer and commercial in branch requests including monetary transactions, 7 17 CU online/mobile banking and remote service assistance, deposit account opening, maintenance and closing, loan interview, processing, closing and disbursals, and other misc. product and service delivery. Establishes and strengthens member relationships using prescribed needs assessment skills and methods to determine member needs and matching with appropriate 7 17 CU options and solutions by helping first and selling second. All job positions at 7 17 Credit Union may be assigned further duties with or without notice, verbally or in writing. Essential duties and responsibilities include the following.

Requirements

High school diploma or equivalent.
Minimum of 9 months of experience as a 7 17 Credit Union MSR, PER, TSR, or TSLS within the past three years.
Must not currently be in any stage of needed improvement for referral/sales goals.
Must not be at or beyond the written warning stage for service performance.
Outstanding Member Service
Commitment to providing exceptional service
Patience, empathy, and compassion
Strong listening and communication skills
Initiative, cooperation, and attention to detail
Resourcefulness and a willingness to help others succeed
Professionalism
Confidence and sound judgment
Professional appearance and demeanor
Ability to represent and uphold the 7 17 Credit Union Brand Promise
Problem-solving and decision-making skills
Time management and organization
Strong interpersonal communication abilities
Good mathematical aptitude
Ability to multitask and work effectively in a high-volume environment
Proficiency with computers and multiple software applications
Ability to obtain and maintain State and Federal registration as required by the SAFE Act.
Ability to obtain and maintain Notary Public certification.

Responsibilities

Maintains high accuracy and thoroughness in handling of all transactions and assigned duties, especially those dealing with cash and members' accounts
Assures privacy of member information in handling all transactions and assigned duties
Remains compliant with credit union policies and procedures.
Maintains a high level of courteousness and professionalism while greeting all members/visitors with a smile and refers to them by name as appropriate.
Receives members at assigned station(s) and determines the nature of the members' business.
Shows empathy and compassion toward members when assisting with requests, complaints, research, problems and follow-up to resolve matters to the member’s satisfaction.
Handles personal and commercial account monetary transactions including but not limited to: All cash and check deposits and transfers to accounts including all share/club accounts, checking accounts, money markets, IRA savings and HSA savings. All cash and check withdrawals and transfers from deposit accounts including all share/club accounts, checking accounts, money markets and non-IRA certificates of deposit. Check Cashing Visa Cash Advances for members and non-members
Processes non-commercial member account maintenance requests such as contact information and ownership changes made in person.
Savings Bonds redemption for both members and non-members
Shared branch deposits and withdrawals
Handles the following routine non-monetary transactions including but not limited to: Debit card issuance, qualification, and lost and stolen cards
Remote delivery services including but not limited to application and initial set-up, demonstration, problem resolution and reporting service failures pertaining to existing remote delivery services to appropriate department experts.
Assists members with direct deposit initiation, changes and payroll transfers.
ACH initiation, changes and cancellation for internal and external payments.
Check and ACH stop payment requests.
Closes accounts using credit union defined procedures.
Debit/credit card fraud, and other forms of fraud assistance.
Dormant account process
Assists with required dual control processes within the branch operation
Scan current day’s checks (accepted by all the office staff), balance corporate check totals and various other branch totals.
Order new and “reorder” checks for members with checking accounts; Prepare and skip payment requests for Loan Servicing.
Opens and closes the computer terminal and accountable for assigned cash drawer monetary contents and balances to the terminal close report on a daily basis;
Maintains overall knowledge of the resources and services of the Credit Union as front-line first contact with members.
Meets or exceeds product and services relationship building, referral and production goals including but not limited to deposits, loans, payment protection, checking account options, Retirement and Investment services, electronic and remote delivery services, and other products/services at the acceptable level as determined by the Credit Union.
Demonstrates a thorough knowledge and proficiency of all Credit Union retail, non-IRA deposit products and services, electronic/remote delivery services, payments, use of credit union core processing system and other software required to perform the required functions within the expected time frame and method determined by the credit union.
Responsible for product knowledge and all operational functions associated with the qualification, processing, compliance, completion and submission of the following retail (non-commercial) deposit product requests to open, change, account ownership changes, closing accounts New Membership Accounts All Checking Accounts Club accounts Non-IRA Certificates of Deposits Money Markets
Performs on-boarding of new memberships opened in the branch following the prescribed time frame and manner established by management.
Responsible for product knowledge and all operational functions associated with the evaluation, qualification, processing, submission, gathering of appropriate information needed for loan underwriting of the loan types including but not limited to: Visa Credit Cards (secured and unsecured) Unsecured Personal Loans All vehicle (auto, motorcycle, boat, RV, etc.) title secured loans for purpose of purchase, refinance, free & clear title, etc. Share Secured
Responsible for preparation of loan closing documents, conducting loan closings, performing loan disbursals and all post-closing procedures and follow-up of the loan types listed above.
Complete an accurate loan application using online sources for collateral evaluation (N.A.D.A guide) and required information to be used as a basis for credit decisions; direct communication with members to discuss loan application status and/or underwriting conditions for pending; approved and denied loan applications; verification that all loan conditions are met and required documentation (e.g., income verification, title work, insurance verification, etc.) is received
Responsible for addressing member inquiries, problems or concerns regarding all product and services mentioned in above duties and directing requests for information or assistance beyond expected level of expertise to the appropriate individual or department
Generate additional member relationships by approved methods of outbound calling, including but not limited to using member referrals, assigned leads lists, onboarding, etc.
Must keep members' transactions and other Credit Union business in strictest confidence.