Universal Service Representative

Mon – Sat Flex

Universal Service Representative I employee acts as a Service Representative and enthusiastically cross-sell Credit Union services. Establishes and builds member relationships by identifying members’ needs and educating them with specific products and/or services. Responsible for performing a broad variety of customer services including opening new savings, share draft, and basic credit applications. Interviews, counsels, and advises members regarding basic loan products, deposits, and any other products/services, including investment referrals, insurance products, and mechanical repair coverage.

Presents loan requests to underwriters for approval as per loan procedures.

• Assumes responsibility for the effective development of Member relations through sales and service.
• Maintains relationships with members in the branch as well as outbound calling to onboard new members at 2 weeks and at 2 months.
• Maximizes the penetration of Credit Union products and services to meet/exceed established sales goals and baselines. Has a knowledge of the Preferred Way of Selling.
• Responsible for handling member interactions via all channels while using effective sales techniques. Assesses members' current financial needs by using effective relationship building and consultative sales techniques.
• Makes appropriate recommendations for loan, deposits, and other products and services.
• Highly motivated and self-driven. Sales and goal oriented.
• Demonstrate professional sales and negotiation skills to achieve individual and branch goals
• Resolves members problems and concerns related to consumer loan products and services, and account issues.
• Acts as a senior service representative and processes teller transactions.
• Identify additional cross-sell opportunities, such as checking accounts, certificate accounts, core deposit accounts, and other AFCU products and services.
• Assumes responsibility for the efficient, effective, and accurate performance of teller functions.
• Represents the Credit Union in a courteous and professional manner.
• Receives share deposits and loan payments. Computes interest.
• Processes cash advances, traveler's checks, cashier's checks, and money orders.
• Disburses cash or check share withdrawals.
• Processes transfers, post CD and all types of IRA's.
• Verifies transactions. Monitors deposit amounts and examines documents for endorsement and negotiability. Detects and resolves discrepancies promptly.
• Balances daily transactions and verifies cash totals. Investigates and resolves out-of-balance conditions.
• Processes "bank by mail" transactions.
• Provides override function for other tellers.
• Evaluates basic loan applications and credit criteria and determines the appropriate sale so the member and credit union both benefits.
• Actively and professionally cross-sells Credit Union product and services. Sells Debt Protection, GAP, mechanical repair coverage, and members financial solutions. Expectation is to meet monthly Credit Union sales Standards including promotions and campaigns.
• Interviews, takes applications, and processes preliminary documentation on loan requests. Conducts personal/web and telephone interviews and discusses loan alternatives, credit criteria, interest rates, and loan documentation with the member.
• Determines value of collateral. Verifies car insurance coverage. Notifies application of loan decisions. Requests additional information if required. Presents loan requests to underwriters for approval as per loan procedures.
• Processes loans including ordering of credit reports, title searches and closing.
• Assists in servicing and maintaining all aspects of loans but not limited to payoff, refinances, payment agreements and amendments to original loan contracts.
• Assumes responsibility for processing and securing liens on collateralized loans and prompt follow-up on titles still pending.
• Ensures that lending operations are conducted in accordance with established Credit Union policies and are legally compliant.
• Ensures that loan requests are properly prepared and documented and that approved loans are promptly disbursed.
• Resolves any rejects concerning loans and membership accounts in a…