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Financial Service Representative I/Personal Banker

  • Non-Licensed Banker

Position Summary:

The position of Financial Service Representative I is established to provide prompt, professional and accurate information to members and potential members in opening new accounts, securing loans, as well as cross-selling Credit Union products and services to meet members’ needs and increase member satisfaction. Maintain quality service standards set by the organization.

Essential Duties and Responsibilities

  • Interview members and potential members to determine their financial needs and aid in selecting appropriate products and services.
  • Cross sell products and services to members by assisting or referring the member to an appropriate representative.Participate in the sales program, contests, telemarketing and meetings. Accurately track all referrals/sales.Meet established sales goals as assigned.
  • Provide an exceptional service experience consistent with Credit Union standards; resolve member complaints quickly and accurately; respond to member inquiries on the phone and in person.
  • Responsible for keeping abreast of current policies, procedures and new products; follow new procedures.
  • Prepare documentation for new accounts, loans and/or card issuance, ensuring adherence to legal requirements and Credit Union policies and procedures.
  • Ensure loan files are complete and accurate with appropriate and thorough comments, along with recommendations to aid in loan decision.
  • Relay loan decision to member along with loan terms and conditions providing financial counsel and alternatives, as needed.
  • Provide timely closing of loans through consistent follow-up of loan approvals.
  • Ensure operational integrity through consistent and timely audits of loan and new account files and documentation. Maintain the integrity of the sales program by accurately recording and tracking all member encounters.
  • Participate in business development activities including participating in orientations and on-sites.
  • Contribute to the sales orientation of the branch by instructing co-workers as directed by management in product knowledge and cross-selling techniques.
  • Participate in AML/BSA compliance training as assigned.Adhere to credit union AML/BSA policy and procedures including CTR rules and form preparation, identify and refer suspicious activity to the Compliance Department, perform OFAC comparisons, and properly identify individuals in accordance with Branch Operations procedures.

Other Duties and Responsibilities

  • Act as an MSR or Receptionist as directed by management.
  • Support management in community development activities.
  • Maintain safe deposit boxes, as applicable.
  • May be required to work weekends and/or extended hours, to include offsite events.
  • Perform other duties as assigned.

Physical Demands and Work Environment

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is regularly required to use hands to finger, handle, or feel objects, tools, or controls and talk or hear. The employee is frequently required to stand and reach with hands and arms. The employee is occasionally required to walk; sit; climb or balance; and stoop, kneel, crouch, or crawl.

The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception, and the ability to adjust focus.

The noise level in the work environment is usually moderate.

Minimum Qualifications (Education, Experience, Skills)

  • High school diploma or equivalent.
  • One year of banking experience to include: knowledge of loan and account interviewing techniques, cross selling, upselling and/or referring products/services; or 2 years of relevant finance related experience; or 6 months of SDCCU member facing work experience may be considered.
  • Demonstrated sales ability and thorough knowledge of and a willingness to actively promote products and services.
  • General knowledge of Credit Union and/or financial institution loan policies and procedures preferred.
  • Demonstrated professional human relations, communication and organizational skills.
  • College level math and financial calculation skills.
  • Basic level computer skills, including MS Office applications (Word, Excel, Outlook)
  • Professional appearance and demeanor.
Costa Mesa, CA, 92626, US