Financial Service Representative

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Summary: The primary function of this position is to assist 1st Financial Federal Credit Union to achieve our mission of saving member’s money, making member’s money and saving member’s time. One of the primary means to achieve this end is to ensure that outstanding service is delivered to both internal and external members. A key component of this service is to identify the financial needs of the member and recommend an appropriate credit union solution.

MAJOR RESPONSIBILITIES:
  1. Responsible for delivering a high level of member service to internal and external members in alignment with the credit union’s Service Promises:
  2. Consistently meets established sales and service Minimum Performance Standards.
  3. Possesses adequate product knowledge as measured by the annual product knowledge certification assessment.
  4. Performs basic consumer loan functions: interviews member, processes application and supporting documentation, submits to underwriter, communicates approval/denial to member, prepares and completes loan closing and disbursement.
  5. Counsels members on improving their credit score and financial well-being if necessary.
  6. Evaluates member need for ancillary loan products as cross sells as appropriate.
  7. Interviews members and recommends deposit products based on features and benefits.
  8. Opens and closes deposit accounts, obtaining appropriate verifications and supporting documentation.
  9. Performs basic membership functions: ATM/Debit cards, loan calculations/payment, ownership changes, account reconciliation, etc.)
  10. Assist members with questions or issues by providing accurate information, ensuring compliance with credit union policies and legal requirements, researching and providing follow up to resolution.
  11. Builds and enhances member relationships, by referring members to business partners (Investments Services, insurance providers, etc.) based on their financial needs.
  12. Responsible for inbound and outbound calling during business hours and scheduled all events.
  13. Attend and participate in Credit Union trainings and meetings.
  14. Performs financial transactions in an efficient and accurate manner by providing accurate account information using security procedures and recognizing account flags.
  15. Demonstrate initiative along with problem solving skills whenever an opportunity is presented because all 1st Financial employees are expected to think.
  16. Exercises independent judgment and critical thinking to resolve issues, suggest improvements, and embrace new ideas.
  17. Other duties and special projects as assigned by management.
 
QUALIFICATIONS:
Education/Experience
High School diploma or equivalent is required. Minimum of 1-2 years of experience in banking/financial services or sales is required.  Candidate must be a minimum of 18 years of age.

OTHER REQUIREMENTS:
Schedule:               Position is regularly scheduled 40 hours a week including Saturdays as scheduled
Quality:                Able to meet company requirements and standards. Accuracy is a must.
Attendance:         Adheres to company policy.
Performance:       Meets pre-established goals and deadlines.
Other:                  Incumbent must become a member of OPEIU Local 13 (union) upon hire.
                            Incumbent must have satisfactory credit and background check and must be able to be bonded.

 
 
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  UNDER MARYLAND LAW AN EMPLOYER MAY NOT REQUIRE OR DEMAND AS A CONDITION OF EMPLOYMENT, PROSPECTIVE EMPLOYMENT OR CONTINUED EMPLOYMENT, THAT AN INDIVIDUAL SUBMIT TO OR TAKE A LIE DETECTOR OR SIMILAR TEST. AN EMPLOYER WHO VIOLATES THIS PROVISION IS GUILTY OF A MISDEMEANOR AND SUBJECT TO A FINE NOT EXCEEDING $100.

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