Financial Services Representative I

Freedomfcu; Havre de Grace (MD); On-site; USD 25,003 - 35,610; Full time

Benefits offered by this job

Paid time off

Medical, Dental, and Vision coverage

401k Retirement Plan with employer match options

Tuition Reimbursement options

Job summary

Freedomfcu is seeking a Financial Services Representative I in Havre de Grace, Maryland. This role involves delivering exceptional member service by identifying financial needs and providing suitable products, addressing inquiries, and performing sales tasks.

The ideal candidate will have a minimum of 1-year experience in customer service and sales, with a focus on cross-selling credit union products. Benefits include competitive pay, medical coverage, and paid time off.

Qualifications

• Minimum 1-year previous experience in customer services, cash handling, and sales.
• Proven experience in sales and member service with a track record of achieving targets.
• Ability to work flexible hours, including weekends, as needed.

Responsibilities

• Deliver exceptional member service by identifying financial needs and providing suitable products.
• Address member inquiries and resolve issues promptly.
• Identify opportunities to cross-sell and up-sell credit union products.

Skills

Customer Service Orientation

Sales Skills

Communication Skills

Attention to Detail

Problem-Solving Abilities

Technical Proficiency

Time Management

Team Collaboration

Education

High School Diploma or equivalent

Associate or bachelor’s degree in finance, business, or a related field preferred

Job description

Description

Position Overview

The Financial Services Representative I (FSR I) is responsible for delivering exceptional member service by identifying members' financial needs and providing them with suitable financial products and services. This role involves a combination of sales, customer service, and operational tasks aimed at enhancing member satisfaction and contributing to the growth of the credit union.

• Starting rate for this role is $22/hour (rate is commensurate with experience).
• This role is eligible for a $500 sign‑on bonus.
• This position is eligible for an incentive program of $25 per Guaranteed Asset Protection (GAP) policy or Mechanical Breakdown Protection (MBP) policy sold on vehicle loans.

Essential Duties and Responsibilities

Member Service

• Greet members and visitors in a friendly and professional manner.
• Address member inquiries regarding account information, transactions, and credit union products and services.
• Resolve member issues and complaints promptly and effectively.

Sales

• Identify opportunities to cross‑sell and up‑sell credit union products and services, such as savings accounts, loans, credit cards, and insurance.
• Meet or exceed individual and branch sales targets.
• Conduct product presentations and explain the benefits and features of credit union offerings.

Account Management

• Open new member accounts, including savings, checking, and certificate accounts.
• Process loan applications, provide loan information, and follow up with members throughout the loan process.
• Assist members with account maintenance, including address changes, stop payments, and direct deposits.

Transactional Duties

• Perform teller duties such as cashing checks, accepting deposits, processing withdrawals, and handling payments.
• Balance cash drawers and reconcile discrepancies.
• Process wire transfers and other financial transactions accurately and efficiently.

Compliance and Risk Management

• Adhere to all credit union policies, procedures, and regulatory requirements.
• Maintain confidentiality and security of member information.
• Identify and report suspicious activities in compliance with anti‑money laundering (AML) regulations.

Team Collaboration

• Work closely with other team members to ensure a cohesive and efficient branch operation.
• Participate in branch meetings and contribute ideas to improve branch performance and member satisfaction.

Administrative Tasks

• Maintain accurate records of member interactions and transactions.
• Prepare and submit reports as required by management.
• Keep abreast of changes in credit union products, services, policies, and procedures.

Knowledge, Skills, and Abilities

• Customer Service Orientation
• Sales Skills
• Communication Skills
• Attention to Detail
• Problem‑Solving Abilities
• Technical Proficiency
• Time Management
• Team Collaboration

Requirements

Qualifications

• High School Diploma or equivalent; associate or bachelor’s degree in finance, business, or a related field preferred.
• Minimum 1‑year previous experience in customer services, cash handling, and sales; previous experience in banking or financial services preferred.
• Knowledge of credit union operations and financial products.
• Proven experience in sales and member service with a track record of achieving targets.
• Ability to work flexible hours, including weekends, as needed.

Interpersonal Skills

A significant level of trust and diplomacy is required to be an effective subject matter expert in the position. In‑depth dialogues, conversations, and explanations with members, direct and indirect reports, and outside vendors of a sensitive and/or highly confidential nature is a normal part of the day‑to‑day experience. Communications can involve motivating, influencing, educating, and/or advising others on matters of significance.

Benefits

• Paid time off – Accrual of 17 days in 1st year of employment
• 11 paid holidays with an extra floating holiday for your birthday
• Medical, Dental, and Vision coverage – Single and Family options available
• Supplementary Health Benefit offerings including Critical illness insurance, Accident Insurance, and Hospital Indemnity Plans
• Life and AD&D Insurance, Short‑Term and Long‑Term Disability Plans
• 401k Retirement Plan with employer match options after 1 year, potential for additional discretionary contribution from the organization each year
• Tuition Reimbursement options of up to $5,250 each year

Freedom Federal Credit Union conducts credit, bond, and background checks. All new hires must present evidence of authorization to work in the US. Freedom Federal Credit Union participates in the E‑Verify program. Freedom Federal Credit Union is an Equal Opportunity/Affirmative Action employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, or protected Military/Veteran status and will not be discriminated against based on disability.