Financial Services Officer - Alcoa

ORNL Federal Credit Union; Alcoa (TN); On-site; USD 38,000 - 52,000; Full time

Job summary

ORNL Federal Credit Union is hiring a Financial Service Officer in Alcoa, TN. This on-site role supports members with deposits, loans, IRAs, and other credit union services, while upholding privacy and security standards.

You will open, maintain, and close consumer and commercial accounts, educate members on products, and coordinate with partners to meet financial goals. Ideal candidates have at least 1 year of customer service or sales experience, with preferred lending and financial services

Qualifications

• Minimum 1 year of customer service and/or sales experience.
• Minimum 1 year of Lending experience preferred.
• Minimum 1 year of financial services experience preferred.

Responsibilities

• Provides high level professional, courteous service while building member relationships and guiding transactions.
• Assists with consumer and commercial accounts, answers product questions, and partners with colleagues to find member solutions.
• Guides members through loan applications, explains terms, and promotes related products to deepen relationships.
• Maintains accuracy of documentation and verifies member information for compliance and policy adherence.

Skills

Customer service

Sales

Relationship building

Communication

Education

High School Diploma or GED

Job description

Alcoa
103 Hamilton Crossing Drive
Alcoa, TN 37701, USA

• On-site
• Retail
• Full-Time
• Requisition #: FINAN002993

Description

The Financial Service Officer (FSO) delivers a high level of member service by building strong relationships and providing comprehensive financial solutions that meet member and employee needs. This role is responsible for assisting members with a wide range of financial transactions and services, including deposit accounts, consumer loans, Individual Retirement Accounts (IRAs), commercial accounts, certificates, fraud education and resolution, and other credit union products and services. The FSO serves as a trusted advisor, identifying opportunities to improve members' financial well-being, support credit union growth, and ensure compliance with established policies and procedures.

Essential Functions and Responsibilities:

• Provides a high level of professional, courteous, and personalized service while building strong member relationships. Assists and guides members with their financial transactions; opening, maintaining, and closing consumer and commercial accounts; answers questions about products and services; works with business partners to discover member solutions beyond employee's scope.
• Conducts meaningful member conversations to assess borrowing needs and recommend appropriate loan and ancillary products. Guides members through the consumer loan application process while identifying opportunities to deepen relationships. Adheres to established lending guidelines and clearly communicate loan decisions, including approval terms, denial reasons, payment options, and lending requirements.
• Assists members with a variety of teller transactions while providing accurate, efficient, and professional service. Maintains current knowledge of fraud trends and prevention practices to identify and mitigate potential risks. Processes transactions within established authority limits and policies and collaborate with coworkers to support branch operations and ensure a positive member experience.
• Ensures the accuracy and completeness of documentation by thoroughly reviewing system information, supporting documents, disclosures, and agreements. Verifies member information for compliance with credit union policies, regulatory requirements, and established procedures. Maintains a high level of accuracy to minimize risk and support sound practices.
• Demonstrates a heightened awareness of physical security and member privacy by safeguarding confidential information and adhering to established security procedures. Remains vigilant in identifying potential security risks and taking appropriate action to protect members, employees, and credit union assets.
• Promotes and actively supports branch and credit union initiatives by participating in sales, service, and operational goals. Demonstrates a commitment to organizational objectives, contributes to team success, and fosters member engagement through consistent advocacy of credit union products, services, and community involvement efforts.
• Performs other job-related duties as required.

Experience:

• Minimum 1 year of customer service and/or sales experience is required
• Minimum 1 year of Lending experience is preferred
• Minimum 1 year of financial services experience is preferred

Education:

• High School Diploma or GED is required

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities This employer is required to notify all applicants of their rights pursuant to federal employment laws.For further information, please review the Know Your Rights notice from the Department of Labor.