Universal Banker (Consumer Lending Focus)

Affinity Plus Federal Credit Union•Eagan, MN

4d•Onsite

About The Position

A Member Consultant interacts with members through a variety of communication channels including: Face to face, Drive Thru, Phones, Mobile Apps, Chat, Text, SMS, and/or Video Banking. In listening to our member’s needs and goals, a Member Consultant recommends different types of consumer lending and account products. Additionally, this role will also assist members with self-serve education, transactions, budgets, account maintenance, and other account related issues.

Requirements

1+ years of customer service or professional experience working with people
Ability to navigate and resolve complex issues and situations
Ability to achieve call goals set by leadership
Basic knowledge of credit and regulatory policy as it relates to consumer lending
Ability to consistently identify and cross-sell product and service opportunities that will be beneficial to the member
Strong analytical and decision-making skills required with a high degree of accuracy
Aptitude to work independently as well as part of a team and ability to collaborate with others
Strong verbal and written communication skills
Time Management skills and the ability to prioritize workload based on department and member needs
Flexibility to adapt and succeed in a dynamic environment
Ability and drive to provide exceptional service to members and employees
Intermediate computer skills and the ability to navigate between multiple systems with ease

Nice To Haves

1+ years of consumer lending experience preferred

Responsibilities

Open membership savings, checking, certificates of deposit, Individual Retirement Accounts (IRA), and other credit union accounts or products
Provide information and recommendations to members concerning services and products, directing them to appropriate person when needed
Assist members with consumer lending questions and applications
Listen to member needs, identify, and recommend products and services aligning with member’s needs
Determine different types of consumer loan and credit options that are available to the member
Analyze member’s financial situation and credit report to determine if it is in the member’s best interest to approve the loan
Review loan agreements and gather required documentation and ensure completeness and accuracy in accordance to policy
Approve loans within specified limits, and refer loan applications outside those limits to management for approval
Partner with members to understand their financial goals and assist in creating a personal budget to help them achieve those goals
Proactively reach out to members on products or services that would be a beneficial to help achieve their financial goals
Assist members with accurately and efficiently processing transactions
Provide education to members on our self-serve options
Execute wire or ACH transferring of funds
Instant issue debit, credit, and gift cards
Troubleshoot credit or debit card issues, online banking questions, or other general account related questions and issues
Balance and maintain personal cash drawer and branch vault, and appropriate currency logs if applicable
Other duties as assigned