The ideal candidate is passionate about delivering superior service to our members. The Financial Services Representative is responsible for interviewing members to identify products and services that best fit their financial needs. The Account Administration/Loan Processor uses their knowledge of Credit Union products and services, including deposits, IRAs, Trust Accounts, and consumer loans, to provide excellent service to our members. Also acts as a liaison to our core sponsor to increase membership and engagement in the Credit Union.ResponsibilitiesDemonstrate our Core Values and First-Class Service Standards in all aspects of the job.Open new membership accounts, trust accounts and enhance the membership with supporting products and services that are convenient and gives peace of mind.Provide applicable disclosures for new accounts and lending productsDetermine collateral needs and payment plans for members applying for loans.Review credit report upon account opening to verify identity and look for additional cross-sell opportunitiesInterviewing, processing and disbursing consumer loan requests. Verify debts and estimate monthly payment for any outstanding debts not listed and add them to the debts on application. Calculate debt to income ratios.Cross-sell additional member loan benefits such as MBI, GAP and Debt Protection.Obtain a copy of members' auto insurance policies and verify if the deductibles are within credit union policy and that the credit union is listed as lien holderExplain reasons for denial and explore options for members when loans are deniedProcess and order VISA Credit CardsOpen IRAs and Share CertificatesIdentify problems, research and analyze issues from different perspectivesTimely and correct processing of loan and DMV files.Ensure that collateralized loans have the appropriate title work, documentation and fees so that a completed title is received within 90 days of fundingFollow Credit Union safety and security proceduresMaintain knowledge on all state and federal regulations related to lending and branch operationsMaintain a professional and courteous demeanor with all people, including fellow employees, members, management staff, board, supervisory members and outside vendorsAssist other members and employees by answering questions, solving problems and helping complex work related mattersAssist with business development activities when warranted including New Employee Orientation and site visits.Meet or exceed goals on their scorecardCall members or send correspondence to create business and increase lending pipelineComplete projects in a timely mannerProcess IRA reports and RMDs in an efficient and timely mannerAct as the liaison between the credit union and employee groups to develop new membership opportunities.Conduct presentations and seminars to our employee group and their employees.Prepares visitation schedule and prepares weekly call reports.Perform outbound calls to secure visits at post office locations.Perform outbound calls to cross-sell products and services to new and existing members.Develops new member relationships by attending postal employee meetings and events.Actively participate in all sales and service activities, goals and responsibilities as requested.Communicate regularly and effectively with management to ensure corporate goals are met.Participates in the development and execution of business development plans.Generate awareness that drives brand loyalty.Keep abreast of industry trends, competition, and new opportunities.Perform other duties as assigned Requirements Minimum of 2 years' experience in a Credit Union or, financial institution performing similar job duties is preferred.Excellent verbal and written communication skills, including writing business correspondence.Excellent interpersonal skillsAbility to work 32+ hours a week, Monday through FridayHold Notary appointmentStrong problem-solving skills and possess the ability to make sound judgment decisions. Goal driven and able to meet or exceed established cross-sell goals Must be proficient in job related technology applications including the Credit Union's operating system and lending system.Proficient in Microsoft Applications (Word, Excel, PowerPoint, Outlook).Ability to add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals.Ability to work independently or within a team to accomplish goals and objectives.Ability to provide attention to detail with accurate and consistent results.Must be able to effectively handle multiple, simultaneous and changing priorities.Must be able to operate office/branch equipment including telephone, copier, scanner, cash recycler, and ATM.Working knowledge of operational regulations, laws, and principlesPhysical Demands:The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. While performing the duties of this job, the employee is frequently required to stand; walk; sit; use hands to finger including frequent keyboarding for periods of time, handle or feel; reach with hands and arms, climb or balance, stoop, kneel, crouch, crawl; talk and hear and taste or smell. The employee must occasionally lift and/or move up to 10 pounds. Vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception and ability to adjust focus.
POSTCITY FINANCIAL CREDIT UNION