Smyrna Financial Services Officer

WHAT YOU WILL DO EVERYDAY

Under the direction of the Branch Manager, develop new business through the promotion of Credit Union services to new and existing members. Create a positive member experience by ensuring that members receive high quality and courteous service in all interactions. Uncover member needs when opening and modifying all account types including certificates, IRAs, Coverdell, HSAs, etc., originating and processing consumer loans, and when assisting members with other miscellaneous requests or services.

Serve in the capacity of teller and receptionist as needed.

Member Service:

• Provide consistent, courteous and personal service to members. Communicate with all AFCU members, employees and staff in a friendly, professional manner.
• Analyze member needs, match products/services to maximize member relationships with the credit union with an effort to increase member wealth, knowledge and financial stewardship.
• Open consumer account types, youth, certificates, IRAs, Coverdell, HSAs, etc. and explain various accounts and ownership options. Prepare necessary documentation and complete transaction.
• Demonstrate the use of automated services (includes ITM orientation and troubleshooting, Online Banking, Bill Pay and ATM assistance as needed) to new and existing members in order to increase the percentage of members oriented to automated services.
• Open new accounts, revise existing accounts, complete direct deposit requests and internal transfers, and update the account accordingly.
• Complete in-house Certified Credit Union Financial Counselor program. Provide financial counseling to members as needed.
• Obtain documentation for business account requests and refer account to business account specialists.
• Recognize and refer mortgage leads to the mortgage department.
• Complete transactions such as deposits, withdrawals, loan payments, check cashing, cash advances, cashier's checks, VISA gift/travel money cards and US Savings bond redemption for the member as appropriate.
• Investigate member account problems or complaints and make determinations on refunding fees and charges; provide your recommendations to the Branch Manager as warranted by the circumstances.
• Rent safe deposit boxes, complete initial documentation and collect initial rent payment, allow member access to safe deposit box as assigned by the manager.
• Issue instant issue cards via card wizard instant issue system.
• Perform all maintenance to accounts after opening, order/reorder member checks, wires, process stop payment requests, process fraud/theft claims, order copies of member records, close accounts.
• Make outbound calls.
• Provide notary and/or signature guarantee services.
• Properly process all requests utilizing all automated systems of the credit union.
• Accept garnishments and levies as served and submit for processing, if approved by the manager.

Organizational Goals:

• Responsible for specific, measurable branch goals for deposits, loans, debt protection, GAP and MMP.
• Responsible for cross offering services and making referrals for goal attainment based on the credit union’s strategic plan.
• Assist with business development contacts that may include onsite visits to potential and existing SEGs.
• Refer potential SEGs to marketing for follow up.

Loan Service:

• Interview consumer loan applicants, explain loan options, rates, terms, and collateral requirements, prepare all necessary documents, obtain employment and upload proof of income, obtain credit report – assess member needs and cross-sell credit union services based on business that can be obtained from the credit report and from member cues, finalize loan and disburse funds. Effectively communicate with underwriters who decide loans.
• Properly notify members of loan decisions, follow-up on any approved loan to assure disbursement, including closing of approved Home Equity Lines of Credit. Maintain up-to-date knowledge of all aspects of the credit union’s loan products including origination and closing rules and regulations for Home Equity Lines of Credit. Communicate with underwriters who decide AFCU equity loans regarding particulars of each application.
• Build successful…