Financial Services Representative

Mirastarfcu; Hollister (CA); On-site; USD 40,000 - 60,000; Full time

Job summary

Mirastar Federal Credit Union in Hollister, CA is seeking a Financial Services Representative to assist members with new memberships, accounts, and IRAs. The role includes opening accounts, processing transactions, and cross-selling financial products within guidelines.

The ideal candidate has a High School Diploma with 2–3 years of related experience; bilingual English/Spanish is preferred. Notary certification is a plus. Strong communication and compliance with BSA-AML are essential.

Qualifications

• High School Diploma with 2–3 years of related experience.
• Bilingual in English and Spanish preferred.
• Notary Certification preferred.

Responsibilities

• Open new memberships and subsidiary accounts, including depository and retirement accounts.
• Assess member loan needs from start to finish and follow up on loans.
• Cross-sell products within established guidelines.
• Perform account maintenance: transfers, ownership changes, renewals.
• Handle basic teller transactions: deposits, withdrawals, loan payments.
• Answer questions and resolve problems on products/services.
• Participate in product and service promotions.
• Meet requirements to become a Notary Public.
• Ensure compliance with BSA-AML and related regulations.
• Attend SEG visits or host a table at SEG locations.
• Act as backup for other branch positions and fill in at other branch locations as needed.

Skills

Communication skills

Interpersonal skills

Attention to detail

Confidentiality

MS Office

Customer service

Problem solving

Policy adherence

Education

High School Diploma

Tools

Adobe Acrobat

MS Office

Job description

SUMMARY

The Financial Services Representative (FSR) will assist members with establishing new memberships, subsidiary accounts, and Individual Retirement Accounts (IRAs). The incumbent will perform account setup on all types of Credit Union depository and retirement products. The FSR will also perform account maintenance activities and process basic financial and lending transactions.

QUALIFICATIONS

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Education and/or Experience: High School Diploma and a range of 2 to 3 years of related experience and/or equivalent combination of education and experience.Bilingual in English and Spanish is preferred.
• Certificates, Licenses, Registrations: None required; Notary Certification preferred.

ESSENTIAL FUNCTIONS

• Opening new membership and subsidiary accounts, including all types of depository and account ownerships (e.g., trusts, retirement, fiduciary and organizational accounts).
• Assess member loan needs from start to finish, starting with loan type, ancillary product review, and submission of application. Follow up as needed with consumer and auto loans, which may include closing.
• Cross-selling products and services within established guidelines.
• Performing account maintenance activities, including closing accounts, establishing powers of attorney, account transfers, processing ownership changes, and certificate renewals.
• Performing basic teller functions, including processing share and share draft deposits, withdrawals, loan payments and draft stop payments.
• Answering questions and resolving problems on products and services.
• Participating in product and service promotions.
• Meeting all requirements to become a Notary Public
• Ensuring operations are conducted in accordance with established Credit Union policies, legal and regulatory requirements, including, but not limited to, understanding and compliance with the Credit Union’s BSA-AML program
• Attending Sponsor Employee Groups (SEGs) visits with Business Development and/or hosting a Credit Union table at a SEG location.
• Compliance with the Bank Secrecy Act, OFAC, and USA PATRIOT Act, including but not limited to completing Member Identification Program requirements for new customers, accurate completion of new account activity profile and reporting suspicious activities to your supervisor and BSA Officer.
• Acting as backup for other Branch positions as needed.
• Filling in at other Branch locations as needed.

KNOWLEDGE, SKILLS, AND ABILITIES

• Strong verbal, written, and phone communication skills with demonstrated ability to communicate professionally at all levels
• Effective interpersonal skills and ability to work with all levels of staff and members in a professional, approachable, and positive manner
• Forward-thinking, with professional standards and business profile
• Ability to handle multiple tasks simultaneously and changing priorities in an efficient and effective manner
• Ability to maintain strict confidentiality
• Ability to conduct thorough research and provide workable recommendations and solutions to problems
• Broad knowledge of, and practical experience with operations functions, products and services and the laws and regulations which affect the Credit Union
• Detail-oriented, self-starter who is able to work independently
• Computer literate and proficient in software applications, Adobe Acrobat, online research tools and MS Office: Word, Excel, PowerPoint, and Outlook
• Ability to demonstrate commitment to self-improvement by taking the initiative to learn new skills, systems and procedures as well as taking advantage of the continuous education opportunities within and outside of the Credit Union
• Hungry: Demonstrates a strong drive for continuous learning, growth, and expanded responsibility. Self-motivated, diligent, and proactive in identifying the next step and the next opportunity to contribute.
• Humble: Operates with low ego and high respect for others. Actively recognizes and elevates the contributions of teammates, prioritizing collective success over personal recognition. Approaches work with openness, respect, and a collaborative mindset, welcoming diverse perspectives and constructive feedback.
• Works Intelligently: Demonstrates strong situational awareness and sound judgment. Understands group dynamics, uses intuition, emotional intelligence, and thoughtful decision-making to navigate complex interactions to achieve the best outcomes.

PHYSICAL REQUIREMENTS

The physical demands described below 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 position’s essential functions.

• Full-time hours required, with additional work hours as necessary to accomplish objectives, goals, and projects.
• Occasionally lift and/or move up to 10 pounds.

EEO STATEMENT

Mirastar encourages diverse applicants to apply for all positions. Mirastar does not discriminate in employment opportunities or practices on the basis of race, color, religion, creed, sex, familial status, marital status or domestic partner status, national origin, age, disability, marital status, pregnancy, childbirth, breastfeeding or related condition, ancestry, medical condition including genetic characteristics, veteran or military status, sexual orientation, gender identity, gender expression, any persons holding an undocumented “AB 60” driver’s license, or any other characteristic protected by law. This provision also includes the perception that anyone has any of the above characteristics or is associated with a person who has or is perceived as having any one of these characteristics. Discrimination based on any of these protected classifications is unlawful and is a violation of company policy. The Company makes all employment decisions without regard to these protected statuses and does not tolerate harassment or discrimination.

This job description is not an exclusive or exhaustive list of all job functions that an employee in this position may be asked to perform from time to time. Mirastar Federal Credit Union reserves the right to revise or change job duties and responsibilities as the need arises.