Financial Services Representative

Description

The Financial Services Representative I (FSR I) is responsible for delivering exceptional member service by identifying members' financial needs and providing them with suitable financial products and services. This role involves a combination of sales, customer service, and operational tasks aimed at enhancing member satisfaction and contributing to the growth of the credit union.

• Starting rate for this role is $22/hour (rate is commensurate with experience).
• This role is eligible for a $500 sign-on bonus.
• This position is eligible for an incentive program of $25 per Guaranteed Asset Protection (GAP) policy or Mechanical Breakdown Protection (MBP) policy sold on vehicle loans.

1) Member Service:

• Greet members and visitors in a friendly and professional manner.
• Address member inquiries regarding account information, transactions, and credit union products and services.
• Resolve member issues and complaints promptly and effectively.

2) Sales:

• Identify opportunities to cross-sell and up-sell credit union products and services, such as savings accounts, loans, credit cards, and insurance.
• Meet or exceed individual and branch sales targets.
• Conduct product presentations and explain the benefits and features of credit union offerings.

3) Account Management:

• Open new member accounts, including savings, checking, and certificate accounts.
• Process loan applications, provide loan information, and follow up with members throughout the loan process.
• Assist members with account maintenance, including address changes, stop payments, and direct deposits.

4) Transactional Duties:

• Perform teller duties such as cashing checks, accepting deposits, processing withdrawals, and handling payments.
• Balance cash drawers and reconcile discrepancies.
• Process wire transfers and other financial transactions accurately and efficiently.

5) Compliance and

Risk Management:

• Adhere to all credit union policies, procedures, and regulatory requirements.
• Maintain confidentiality and security of member information.
• Identify and report suspicious activities in compliance with anti-money laundering (AML) regulations.

6) Team

Collaboration:

• Work closely with other team members to ensure a cohesive and efficient branch operation.
• Participate in branch meetings and contribute ideas to improve branch performance and member satisfaction.

7) Administrative Tasks:

• Maintain accurate records of member interactions and transactions.
• Prepare and submit reports as required by management.
• Keep abreast of changes in credit union products, services, policies, and procedures.

1) Customer Service Orientation

2) Sales Skills

3) Communication Skills

4) Attention to Detail

5) Problem-Solving Abilities

6) Technical Proficiency

7) Time Management

8) Team Collaboration

Requirements

• High School Diploma or equivalent; associate or bachelor’s degree in finance, business, or a related field preferred.
• Minimum 1-year previous experience in customer services, cash handling, and sales;
  Previous experience in banking or financial services preferred.
• Knowledge of credit union operations and financial products.
• Proven experience in sales and member service with a track record of achieving targets.
• Ability to work flexible hours, including weekends, as needed.

A significant level of trust and diplomacy is required to be an effective subject matter expert in the position. In-depth dialogues, conversations, and explanations with members, direct and indirect reports, and outside vendors of a sensitive and/or highly confidential nature is a normal part of the day-to-day experience. Communications can involve motivating, influencing, educating, and/or advising others on…