Financial Service Officer

Family Security Credit Union; Cullman (AL); On-site; USD 32,000 - 46,000; Full time

Job summary

Family Security Credit Union in Cullman, AL is seeking a full-time Member Services professional to assist members, explain services, and process banking transactions. You will interview loan applicants, assess financial information, and collaborate with management on loan decisions while promoting the credit union’s products.

The role requires a High School Diploma, 18+ years old, and basic PC skills; experience with IRA transactions and regulatory familiarity is preferred.

Qualifications

• High School Diploma or equivalent.
• Must be 18 years or older.
• Intermediate PC knowledge with basic Microsoft Office skills.

Responsibilities

• Greet and assist members with courteous service and accurate transactions.
• Maintain knowledge of products, services, policies, and regulations.
• Interview loan applicants and review applications to assess loan needs and financial condition.
• Analyze financial position to make credit decisions or forward for higher-level approval.
• Assist with opening/closing accounts and IRA transactions.
• Resolve problems within authority and refer others as needed.
• Promote and cross-sell credit union products and services.

Skills

Customer service

Communication

Team player

Multitasking

Interpersonal skills

Education

High school diploma

Tools

Microsoft Office

10-key calculator

Job description

Job Type

Full-time

Description

Role

To assist members and potential members with their credit union needs by explaining services, opening new accounts, analyzing loan requests, making loan decisions based on lending policy, responding to problems, and directing members to the appropriate people.

Major Duties and Responsibilities

• Greet and welcome members to the credit union in a courteous, professional and timely manner, providing prompt, accurate, and efficient member transactions.
• Maintain an up-to-date and comprehensive knowledge on all credit union products and services, related policies and procedures, and rules and regulations, including robbery procedures.
• Interviews loan applicants and/or reviews applications to develop information concerning their loan needs, earnings, and financial condition.
• Analyzes current financial position of loan applicants to determine the degree of risk involved in extending credit or lending money and makes decisions to approve, reject, or forward the loan requests to higher levels for decisions.
• Assists members with opening and closing accounts, answers questions about products and services, resolves problems within authority, and refers problems outside authority to management along with recommendations.
• Assists members with IRA transactions to include opening new IRA accounts, transfer, deposits, and withdrawals.
• Analyzes, researches, and resolves problems and discrepancies related to member accounts.
• Promotes, explains, and cross-sells all credit union products and services.
• Performs other related duties as assigned.

Requirements

Qualifications

Required Qualifications:

• High School Diploma or equivalent
• Must be 18 years of age or older
• Intermediate PC knowledge with basic Microsoft Office skills

Preferred Qualifications:

• Up to one year of similar or related experience.
• Familiar with operation of 10-key calculator.
• Ability to work in a team environment.
• Excellent communication skills while using a pleasant tone and common conversational courtesies.
• Good interpersonal skills to include being courteous, diplomatic, and tactful -Good organizational skills.
• Ability to multitask when necessary.
• Familiar with Federal Regulations related to processing financial transactions, IRA transactions, opening new accounts, and loan reviewing, approving, and processing.

Expectations

• Respond to all e-mails and voicemails before end of business day.
• Meet goals as determined by management for error rates, delinquency levels, charge-off ratios, and lending related insurance products.
• Ability to sit for extended periods of time.

This job description is not a complete statement of all duties and responsibilities comprising this position.

EOE, Including Disability/Vets

Board Approved June 19, 2018