Financial Services Representative

Kids for the Future; City of Syracuse (NY); On-site; USD 31,000 - 38,000; Full time

Benefits offered by this job

Competitive compensation

Generous paid time off

Medical, dental, and vision coverage

Retirement benefits

Professional development opportunities

Financial wellness resources

Community involvement opportunities

Wellness initiatives

Job summary

Sidney Federal Credit Union (SFCU) is seeking a Financial Service Representative (FSR) to deliver personalized financial solutions and education. You will handle consumer and business accounts, loans, and referrals while supporting branch growth through a sales-as-a-service mindset.

This full-time role requires compliance awareness, fraud prevention, and a strong service orientation. Availability includes Saturdays, with potential branch travel as needed. NMLS willingness is required.

Qualifications

• High school diploma or GED required.
• Consistent record of meeting performance and service expectations.
• Knowledge of financial institution products, services, and operations.
• Understanding of consumer lending, deposit products, and compliance requirements.
• Strong communication, relationship-building, problem-solving, and organizational skills.
• Ability to identify member needs and recommend appropriate financial solutions.
• Proficiency with Microsoft Office, digital banking platforms, and financial institution systems.
• Ability to manage multiple priorities in a fast-paced, member-focused environment.
• Comfortable using approved technology and AI-enabled tools to support productivity, communication, and member service while maintaining data security and compliance standards.
• NMLS Registration or ability to obtain.
• Ability to remain in a stationary position for extended periods.
• Frequent standing, walking, and use of office equipment.
• Ability to occasionally lift up to 25 pounds.

Responsibilities

• Deliver advanced member service through consultative conversations and relationship-building.
• Open, maintain, and service consumer, business, and specialty accounts.
• Process transactions, cash handling, balancing, and problem resolution.
• Assist members with digital banking services and electronic account access.
• Support members with estate accounts, death claims, and escalated concerns.
• Process member transactions and balances with accuracy and efficiency.

Skills

Strong communication

Relationship-building

Problem-solving

Organizational skills

Microsoft Office

Digital banking platforms

Financial institution systems

NMLS knowledge

Education

High school diploma or GED

Tools

Microsoft Office

Digital banking platforms

Financial institution systems

NMLS registration

Job description

• Base Pay $22.30 - $27.87 / Hour
• Job Category Credit Union, Customer Service, Lending/Sales
• Employee Type FT Non-Exempt
• Required Degree High school
• Manage Others No

• Phone [phone]
• Email [e-mail]

Build Your Career. Make a Difference.

Since 1949, Sidney Federal Credit Union (SFCU) has been committed to helping people achieve financial success and strengthening the communities we serve. What began as a small member-owned cooperative in Sidney, New York, has grown into a trusted financial institution with more than $1 billion in assets and a presence across New York.

At SFCU, we believe great member experiences start with great employees. We’re building a workplace where people can grow, contribute, collaborate, and build meaningful careers while making a positive impact on our members and communities.

When you join SFCU, you become part of a team that values service, innovation, professional growth, and relationships. Whether you’re helping members reach important financial milestones, improving processes, developing new solutions, or supporting the teams who serve our members, your work matters.

The Financial Service Representative (FSR) is responsible for providing advanced member service, financial guidance, lending support, and relationship-building activities. This role serves as a trusted resource for members by delivering personalized financial solutions, financial education, and consultative service that supports members' financial goals.

The FSR performs a broad range of member service functions, including processing routine and complex transactions, cash handling and balancing activities, opening and servicing consumer and business accounts, processing specialty accounts, originating consumer loans, assisting with mortgage and business loan inquiries, and supporting branch growth through the credit union's "sales as a service" philosophy by identifying member needs and providing appropriate financial solutions.

This position requires strong operational knowledge, compliance awareness, fraud prevention expertise, and a commitment to delivering exceptional member experiences.

Key Responsibilities

Member Service and Relationship Management

• Deliver exceptional member service through consultative conversations and relationship building.
• Open, maintain, and service consumer, business, and specialty accounts in accordance with established policies and procedures.
• Perform account maintenance, transaction processing, and problem resolution with accuracy and professionalism.
• Assist members with digital banking services and electronic account access.
• Support members through complex or sensitive situations, including estate accounts, death claims, and escalated account concerns.
• Process member transactions, cash deposits, withdrawals, payments, and negotiable instruments accurately and efficiently while balancing cash drawers in accordance with established procedures.

Lending, Sales, and Financial Education

• Originate and process consumer loan applications in compliance with lending policies and regulatory requirements.
• Assist members with mortgage and business lending inquiries and facilitate referrals when appropriate.
• Identify member needs and recommend products and services that support financial goals.
• Provide financial education and guidance to promote financial wellness and informed decision-making.
• Consistently achieve or exceed established service, referral, and performance goals.
• Support branch business development and community engagement initiatives.

Operations, Compliance, and Fraud Awareness

• Ensure compliance with all applicable regulations, policies, procedures, and internal controls.
• Maintain knowledge of account opening requirements, operational standards, and lending regulations.
• Identify, prevent, and elevate potential fraud, suspicious activity, and member security concerns.
• Educate members on fraud prevention, scam awareness, and account security best practices.
• Maintain accountability for cash handling, transaction accuracy, and balancing activities; promptly identify and resolve discrepancies while protecting confidential member information.
• Support overall branch efficiency and collaborate with team members to achieve branch goals.

• Full-time position with availability during branch operating hours, including Saturdays.
• Ability to open or close the branch as assigned.
• Flexibility to travel to other branch locations as business needs require.
• Perform other job-related duties as assigned.

Requirements

Required Qualifications

Education and Experience

• High school diploma or GED required.
• Consistent record of meeting performance and service expectations.
• Knowledge of financial institution products, services, and operations.
• Understanding of consumer lending, deposit products, and compliance requirements.
• Strong communication, relationship-building, problem-solving, and organizational skills.
• Ability to identify member needs and recommend appropriate financial solutions.
• Proficiency with Microsoft Office, digital banking platforms, and financial institution systems.
• Ability to manage multiple priorities in a fast-paced, member-focused environment.
• Comfortable using approved technology and AI-enabled tools to support productivity, communication, and member service while maintaining data security and compliance standards.
• NMLS Registration or ability to obtain.
• Ability to remain in a stationary position for extended periods.
• Frequent standing, walking, and use of office equipment.
• Ability to occasionally lift up to 25 pounds.

Preferred Qualifications

• Two or more years of experience in a credit union, bank, or financial institution.
• Experience with consumer lending, account opening, and member service.
• Financial Coaching Certification, Financial Counseling Certification, Accredited Financial Counselor (AFC), Certified Credit Union Financial Counselor (CCUFC), or similar financial wellness credential.

Summary

Benefits: The SFCU Difference

We’re committed to providing a rewarding employee experience and a competitive total rewards package that supports your wellbeing, financial future, and professional development. Depending on position and eligibility, benefits and opportunities may include:

• Competitive compensation
• Generous paid time off
• Comprehensive medical, dental, and vision coverage
• Retirement savings benefits
• Professional development and career growth opportunities
• Financial wellness resources
• Employee recognition programs
• Community involvement opportunities
• Wellness initiatives and employee assistance resources

SFCU is an equal opportunity employer. It is the policy of SFCU to prohibit discrimination and harassment of any type and to afford equal employment opportunities to employees and applicants without regard to race, color, religion, creed, gender, marital status, sexual orientation, national origin, or citizenship, age, genetic predisposition or carrier status, gender identity or expression, disability, military or veteran status, sexual or reproductive health decisions, traits historically associated with race and/or any other status or characteristic protected by law.