Full-Time Financial Service Officer

Family Security Credit Union, Inc.; Muscle Shoals (AL); On-site; USD 32,000 - 48,000; Full time

Job summary

Family Security Credit Union, Inc. seeks a member services associate to assist members with accounts, explain services, analyze loan requests, and apply lending policies to loan decisions.

You will greet members, maintain knowledge of products, assist with IRA transactions, and promote cross-sell opportunities while delivering friendly, accurate service in a collaborative team environment.

Qualifications

• High School Diploma or equivalent.
• Must be 18 years of age or older.
• Intermediate PC knowledge with basic Microsoft Office skills.
• Up to one year of similar or related experience.
• Familiar with operation of 10-key calculator.
• Ability to work in a team environment.
• Excellent communication skills with a pleasant tone.
• Good interpersonal skills: courteous, diplomatic, and tactful.
• Ability to multitask when necessary.
• Familiar with Federal Regulations related to processing financial transactions, IRA transactions, opening new accounts, and loan reviewing, approving, and processing.

Responsibilities

• Greet and welcome members, handling transactions promptly and accurately.
• Maintain knowledge of credit union products, policies, procedures, and rules and regulations.
• Interviews loan applicants and reviews applications to develop loan information.
• Analyzes applicants' financial position to determine risk and loan decisions.
• Assist with opening and closing accounts and answer questions; refer issues to management as needed.
• Assist with IRA transactions including opening, transfers, deposits, and withdrawals.
• Analyzes, researches, and resolves problems related to member accounts.
• Promotes, explains, and cross-sells credit union products and services.
• Performs other related duties as assigned.

Skills

Communication skills

Interpersonal skills

Teamwork

Multitasking

Customer service

Education

High School diploma or equivalent

Tools

Microsoft Office

10-key calculator

Job description

Role

To assist members and potential members with their credit union needs by explaining services, opening new accounts, analyzing loan requests, making loan decisions based on lending policy, responding to problems, and directing members to the appropriate people.

Major Duties and Responsibilities

• Greet and welcome members to the credit union in a courteous, professional and timely manner, providing prompt, accurate, and efficient member transactions.
• Maintain an up-to-date and comprehensive knowledge on all credit union products and services, related policies and procedures, and rules and regulations, including robbery procedures.
• Interviews loan applicants and/or reviews applications to develop information concerning their loan needs, earnings, and financial condition.
• Analyzes current financial position of loan applicants to determine the degree of risk involved in extending credit or lending money and makes decisions to approve, reject, or forward the loan requests to higher levels for decisions.
• Assists members with opening and closing accounts, answers questions about products and services, resolves problems within authority, and refers problems outside authority to management along with recommendations.
• Assists members with IRA transactions to include opening new IRA accounts, transfer, deposits, and withdrawals.
• Analyzes, researches, and resolves problems and discrepancies related to member accounts.
• Promotes, explains, and cross-sells all credit union products and services.
• Performs other related duties as assigned.

Qualifications

Required Qualifications:

• High School Diploma or equivalent
• Must be 18 years of age or older
• Intermediate PC knowledge with basic Microsoft Office skills

Preferred Qualifications:

• Up to one year of similar or related experience.
• Familiar with operation of 10-key calculator.
• Ability to work in a team environment.
• Excellent communication skills while using a pleasant tone and common conversational courtesies.
• Good interpersonal skills to include being courteous, diplomatic, and tactful -Good organizational skills.
• Ability to multitask when necessary.
• Familiar with Federal Regulations related to processing financial transactions, IRA transactions, opening new accounts, and loan reviewing, approving, and processing.

Expectations

• Respond to all e-mails and voicemails before end of business day.
• Meet goals as determined by management for error rates, delinquency levels, charge-off ratios, and lending related insurance products.
• Ability to sit for extended periods of time.

This job description is not a complete statement of all duties and responsibilities comprising this position.

EOE, Including Disability/Vets

Board Approved June 19, 2018