Financial Relationship Specialist- Floater

Serve as a primary floater between three physical branches (Gaithersburg, Germantown and Silver Spring), as well as the Online Branch to provide coverage based on business needs. This role is a dual function allowing potential hybrid work opportunities while assisting the Online Branch. Additionally, this role will have the ability to flex hours as needed if covering for the Online Branch on a Saturday.

This role is responsible for building member relationships and explaining various product and service offerings that best meet the members' needs. Opens new accounts and disburses consumer loans. Assists with member transactions, self‑service transactions and cross‑sells MAFCU products and services. Works at different branch locations as needed. Supports the Online Branch and fields calls and messages as needed. Upholds and carries out MAFCU's core values in daily activities providing friendly, courteous and professional service to internal and external members.

• Greet and welcome members to the credit union in a courteous and professional manner. Act as lobby manager and provide prompt and efficient member service and assist with resolving member concerns.
• Identify and pursue opportunities to promote and cross‑sell credit union products and services. Inform members of current promotions. Identify members who may benefit from specialized services such as mortgages, business and investment services and provide sales leads to the appropriate department.
• Learn the credit union's product and service offerings as well as current promotions in order to effectively communicate the benefits to members through a needs‑based assessment.
• Open new memberships. Verify eligibility for membership. Obtain government‑issued photo identification and perform Qualifile screening. Complete membership application and obtain signatures. Review Membership and Account Agreement Disclosures.
• Open a variety of new accounts. Explain various account and ownership options. Provide product and service recommendations necessary to meet the member's needs. Obtain required documentation to establish account and prepare all forms, assisting member with signing new account forms.
• Interview and disburse consumer loans. Explain various consumer loan products to members and provide recommendations necessary to meet the member's needs. Enter member information into the online consumer loan application to submit for underwriting. Follow up with member to communicate the loan decision. Gather additional information from the member as needed. Schedule appointment with member to disburse the loan. Ensure all loan documents are signed at time of disbursal.
• Promote and recommend MAFCU's online and digital services to enhance the member experience, and assist the Online Branch with fielding phone calls, messages and chats in addition to completing further tasks as assigned.
• Assist with member self‑service transactions and cross‑sell MAFCU products and services.
• In the absence of the self‑service technology, process a variety of routine account transactions to include receiving cash and negotiable instruments for deposits or payments, inspecting and verifying negotiable instruments and placing appropriate holds per credit union policy. Verify cash amounts received, accept withdrawal authorizations, verify signatures and obtain necessary supervisor overrides as needed. Explain penalty interest for early withdrawals on share certificates, ensure accuracy of cash amounts disbursed to the member, prepare official checks, and process savings bonds redemption for members.
• Process credit card cash advances. Obtain proper member identification, enter credit card and identification numbers into the cash advance terminal to obtain authorization. Obtain member signature on the credit card advance voucher. Ensure accuracy of cash advance amount disbursed to the member.
• Monitor cash flow of the branch, including the vault and ATMs. Order cash supply within established guidelines.
• Monitor and submit monthly reports on the inventory of all negotiable instruments. Complete required audits as necessary and manage vault cash.
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