Position Title:
Member Service Representative
Summary:
Responsible for interviewing and evaluating applicants for loans and processing various loan applications. Open accounts for members, resolve issues, interview, and professionally handle the member’s daily needs.
Duties & Responsibilities:
- Greet and welcome members and visitors to the credit union in a professional and timely manner. Represent the credit union to members in a courteous and professional manner and provide prompt, efficient, and accurate service in the processing of transactions.
- Provide members and potential members with information on a full range of credit union products and services.
- Open accounts for members, resolve issues, and professionally handle the member’s daily needs.
- Maintain an up-to-date and comprehensive knowledge on all credit union products, services, policies, procedures, rules, and regulations.
- Cross-sell credit union services including, but not limited to safe deposit boxes, prepaid cards, debit cards, credit cards, online banking, and loan products.
- Receive, verify, and apply member payments for all loan products.
- Open new accounts service existing accounts and provide potential new members with all necessary information for membership.
- Handle member requests for transfers of shares to loan payments, share withdrawals, check requests, CD transactions, line of credit advances, and any other requests received from members.
- Research accounts for deposit, withdrawal, and loan-payment discrepancies.
- Assist members with the proper completion of payroll deduction and direct deposit cards.
- Assist members in opening individual retirement accounts.
- When a loan is denied, explain reasons for denial in a professional, courteous manner. Work with member to provide recommendations or alternative options for other possible ways to secure a loan in future. Ensure denials are processed per regulation and credit union procedures.
- Verify the accuracy of loan amounts and repayment terms on approved loan applications.
- Complete loan documents and disburse loans when approved.
- Implement new loan products and services in accordance with management direction.
- Other duties, as assigned.
Education:
Requires an Associates or Bachelor degree. In lieu of degree, minimum two years of professional experience selling retail products and services.
Experience:
Proven record of ability to meet and/or exceed sales goals.
Additional Knowledge, Skills, & Abilities, Licenses, etc.:
- Customer service, thoroughness, confidentiality, analyzing information, decision making, professionalism, and quality focus
- Ability to communicate well, verbally or written, with co-workers, customers, community members and management.
- Ability to comply with company and industry operating, safety standards, rules and regulations.
Physical Requirements:
- Ability to exert up to 10 pounds of force occasionally, and/or a minimal amount of force frequently to lift, carry, push, pull, or otherwise move objects.
- Ability to sit and/or stand for long periods of time.
- Ability to demonstrate and apply manual dexterity to operate office equipment and handling of cash.
- Ability to view computer monitor or laptop screen for extended periods of time.
- Ability to work with confidential information, materials, and files appropriately, professionally, & discretely.
Working Conditions:
- Office Environment
- Ability to adapt easily to changing work schedules.
- Travel to branches may be required.
Resumes can be emailed to Careers@ANECA.org