Financial Service Representative I/Personal Banker (N. Temecula)

San Diego County Credit Union; Temecula (CA); On-site; USD 42,000 - 54,000; Full time

Job summary

San Diego County Credit Union is seeking a Financial Service Representative I to assist members with opening accounts, securing loans, and deepening relationships through tailored Credit Union products and services. The role emphasizes accurate information, quality service, and adherence to Credit Union policies.

You will interview members to assess needs, offer solutions, record interactions, and support AML/BSA compliance while maintaining a professional appearance and demeanor.

Qualifications

• High school diploma or equivalent.
• One year of banking experience or 2 years of related finance experience, or 6 months SDCCU member-facing work.
• Ability to identify and promote products and services to meet members’ financial needs.
• General knowledge of Credit Union 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 (Word, Excel, Outlook).
• Professional appearance and demeanor.

Responsibilities

• Interview members and potential members to determine financial needs and aid in selecting appropriate products and services.
• Identify and offer products and services to meet financial needs and refer to an appropriate representative. Participate in campaigns and member outreach.
• Accurately record and track all member interactions, referrals and sales, following policy and procedure.
• Provide exceptional service and resolve member inquiries by phone and in person.
• Prepare documentation for new accounts, loans and card issuance; ensure adherence to legal requirements and policies.
• Ensure loan files are complete with thorough comments and recommendations to aid in loan decisions.
• Relay loan decisions and terms to members with financial counsel and alternatives as needed.
• Close loans timely through follow-up on approvals and documents.
• Maintain operational integrity via audits of loan and new account files.
• Participate in AML/BSA compliance training and adhere to policy including CTR requirements.

Skills

Member interviewing

Product referral

Financial needs assessment

Professional communication

Financial calculations

MS Office proficiency

Professional appearance

Education

High school diploma or equivalent

Tools

MS Office

Job description

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.
• 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.
• 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.

Schedule: Monday-Friday: 8:30am-5:30pm; Saturday: 8:30am-4:30pm; Sunday: OFF. Full time - 40 hours/week.