Financial Service Representative I/Personal Banker (Murrieta)

SAN-Diego-County-Credit-Union; Murrieta (CA); On-site; USD 33,000 - 40,000; Full time

Job summary

SAN-Diego-County-Credit-Union is hiring a Financial Service Representative I in Murrieta, CA. The role focuses on delivering accurate information to members for new accounts, loans, and cross-selling Credit Union products to meet member needs and enhance satisfaction.

Typical duties include interviewing members, processing documentation for accounts and loans, and maintaining service standards while following policy and AML requirements.

Qualifications

• High school diploma or equivalent required.
• 1 year of banking experience or 2 years of finance-related experience; 6 months SDCCU exposure considered.
• Ability to promote products and services to meet member needs.
• General knowledge of credit union/financial policies preferred.
• Strong communication and organizational skills.
• College-level math and financial calculation skills.
• Basic computer skills including MS Office.
• Professional appearance and demeanor.

Responsibilities

• Interview members to identify financial needs and recommend products.
• Offer products or refer to appropriate representative; participate in campaigns.
• Record and track member interactions and referrals accurately.
• Provide exceptional service and resolve member inquiries in person or by phone.
• Stay informed on policies, procedures, and new products.
• Prepare documentation for new accounts, loans, and card issuance.
• Ensure loan files are complete with comments and terms.
• Communicate loan decisions and provide financial guidance.
• Close loans promptly with follow-up on approvals.
• Maintain audit integrity for loans and new accounts.
• Engage in business development activities and team orientations.

Skills

Member interviewing techniques

Identify & refer products/services

Promote products & services

Knowledge of Credit Union policies

Professional communication & teamwork

Math and financial calculations

Basic MS Office (Word, Excel, Outlook)

Professional appearance and demeanor

Education

High school diploma or equivalent

Tools

MS Office (Word, Excel, Outlook)

Job description

If you are unable to complete this application due to a disability, contact this employer to ask for an accommodation or an alternative application process.

Full Time Murrieta, CA, US

2 days ago Requisition ID: 1442

Salary Range: $23.50 To $29.00 Hourly

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, and deepening member relationships by offering Credit Union products and services to meet members’ needs and increase member satisfaction. Maintain quality service standards set by the organization.

Minimum Qualifications (Education, Experience, Skills)

• High school diploma or equivalent.
• One year of banking experience to include: knowledge of member interviewing techniques, ability to identify and offer/refer products and services to meet members’ financial needs; or 2 years of relevant finance related experience; or 6 months of SDCCU member facing work experience may be considered.
• Demonstrated 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.

Essential Duties and Responsibilities

• Interview members and potential members to determine their financial needs and aid in selecting appropriate products and services.
• Identify and offer products and services to members to meet their financial needs and/or refer the member to an appropriate representative or partner. Participate in campaigns, contests, member outreach efforts, meetings and one on ones with management. Meet established performance goals as assigned.
• Accurately record and track all member interactions, referrals and sales, following policy and procedure and maintaining integrity in all actions.
• 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 with all member interactions.
• Ensure operational integrity through consistent and timely audits of loans, new account files and obtaining proper documentation with all member interactions.
• Accurately record and track all member interactions, following policy and procedure and maintaining integrity in all actions.
• Participate in business development activities including participating in orientations and offsites.
• Contribute to the overall branch performance by providing guidance to co-workers as directed by management.
• 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.
• May be required to work weekends and/or extended hours, to include offsite events.
• Perform other duties as assigned.
• Maintain safe deposit boxes, as applicable.

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.

Monday-Friday: 8:00am/5:00pm

Saturday: 8:00am/5:00pm (Rotating)

Sunday: OFF

Full Time – 40 hours a week