Member Advisor - Lake Ridge

Apple Federal Credit Union; Lake Ridge (VA); On-site; USD 33,000 - 40,000; Full time

Benefits offered by this job

Medical, dental and vision coverage

401(k) with employer match

Paid time off and 11 paid federal holi

Tuition reimbursement and ongoing培训

Job summary

Apple Federal Credit Union in Lake Ridge is seeking a Member Advisor to deepen member relationships through proactive sales and service. You will perform teller transactions, originate consumer loans within underwriting guidelines, and open deposit accounts while delivering friendly, professional service.

The role emphasizes using Apple’s sales techniques to meet individual and team goals, with adherence to credit union policies and Bank Secrecy Act regulations.

Qualifications

• High school diploma required; cash handling experience preferred.
• Excellent math and interpersonal skills; strong customer service orientation.
• Ability to cross-sell products and services based on member needs.
• Strong communication skills and professional, friendly demeanor.
• Knowledge of banking policies and CTR/SAR procedures is helpful.

Responsibilities

• Greet members and assess branch needs; provide friendly service.
• Process deposits, withdrawals, and transfers; balance cash drawer.
• Input loan applications and related data accurately for underwriting.
• Recommend suitable products and services as a trusted advisor.
• Open deposit accounts and enroll members for online banking and mobile apps.
• Cross-sell Apple FCU products and services to meet member goals.
• Maintain accurate records in core systems and adhere to policies.

Skills

Customer service

Cash handling

Sales

Cross-selling

Financial products

Communication

Education

High school diploma

Tools

Symitar

AKAccelerant

Synapsys MRM

Job description

If you are unable to complete this application due to a disability, contact this employer to ask for an accommodation or an alternative application process.

Member Advisor - Lake Ridge

Regular Full-Time Lake Ridge, Woodbridge, VA, US

3 days ago Requisition ID: 3163

Salary Range: $23.76 To $29.70 Hourly

Why Join Apple?

At Apple Federal Credit Union, we're more than a financial institution; we're a community-focused organization powered by passionate people. With 24 branches across Northern Virginia and a proud legacy of service, we're committed to improving the lives of our members and the communities we serve.

We believe our employees are our greatest asset. That's why we foster a supportive workplace culture that values inclusiveness, innovation and growth. Whether you're just starting out or advancing your career, you'll find opportunities for professional development, mentorship and meaningful impact.

Why Work at Apple FCU:

• Recognized as a USA Top Workplace (2026), Top Workplace by WTOP News (2026) and American Banker Best Credit Union to Work For (2026)
• Collaborative, welcoming environment with forward-thinking leadership
• Medical, dental and vision coverage
• 401(k) with employer match
• Paid time off and 11 paid federal holidays
• Tuition reimbursement and ongoing training opportunities

Role:

Under general supervision, deepen member relationships by assessing financial needs through proactive sales and service activities. Perform teller transactions using TCR, originate consumer loans within the underwriting guidelines; this includes application input, data input, compiling necessary statistics, and loan disbursal. Incorporates The Apple Way into daily activities, providing friendly, courteous and professional service to external and internal members. The staff member will qualify potential members, complete all required steps to open deposit accounts and online/mobile services. Additionally, the staff member will gather information to complete consumer on applications, member requests for information and/or account maintenance. The staff member will use established Apple Federal Credit Union sales techniques to assist in achieving individual and related sales goals. Performs duties and responsibilities in accordance with The Apple Way principles, of Team Up, Serve With Purpose, Challenge Yourself and Own It. Remains cognizant of and adheres to credit union policies and procedures, and regulations pertaining to the Bank Secrecy Act. Performs other job duties as assigned by the Branch Manager.

Essential Functions & Responsibilities:

• Proactively greets members, assesses reasons for branch visit, and assists members accordingly.
• Processes transactions such as deposits, withdrawals, and account transfers. Balances checks andcash to daily cash received vouchers.
• Inputs all required loan application data into the appropriate computer systems, promptly andaccurately, to includegeneration and correct completion of all required loan documents. This is to support a timely andaccurate underwriting review for final decision and ensuring Apple Federal Credit Union securityinterest in protected.
• Functions as a "trusted advisor" to Apple members by recommending appropriate products andservices and counseling on how to improve members’ financial situation.
• In compliance with Apple Federal Credit Union policy and procedure, accurately completes all required paperwork and data input for new deposit account openings, initiation of other credit union services, and application for membership.
• Provides basic account information on Loans and Shares products or existing accounts as neededto members.
• Receives loan payments, checks and cash for deposit into members’ savings and/or checkingaccounts, verifies amount, and examines checks for proper endorsement, negotiability and inputsinformation into the computer system via PC.
• Adheres to Apple FCU Security Policy, CTR and SAR reporting, negotiable items procedures.
• Refers questionabletransactions to immediate supervisor.
• Provides product and/or service recommendations to members based on thorough needsassessment.
• Responsible for cross-selling credit union products and services to members. Cross-sells otherproducts as identified through the needs assessment.
• Provides information to members via face to face or telephone. This information may include,but is not limited to,alternative loan products. For example, rates, terms and collateral requirements.
• Utilizing the policy and procedure outlined in the Loan Underwriting Guidelines, calculates allkey financial ratios andcollateral valuation, and verifies the source data used for these calculations (e.g. incomeverification).
• Inputs comments and records member activity in the Synapsys MRM as needed.
• Stays abreast of and follows all Apple FCU products, services, policies, and procedures. Meetsall internal trainingrequirements for this position, annually.
• Researches and investigates queries and concerns regarding activity on any member heldaccounts, services, or products. Ensures member satisfaction by setting expectations for a timelyresponse. Performs adjustments, corrections, or refunds fees within their authority, or seeksapproval from proper parties to do so.
• Identifies opportunities for cross-selling and offers Potential Sales Opportunities (PSO's) aspresented in Synapsys and refers members accordingly.
• Attends and actively supports external business development and loan sale events.

Performance Measurements:

1. This position will be assessed against the following performance competencies:

• Communications
• Serving with Purpose
• Owning It
• Teaming Up

2. This position will be assessed against annual goals.

Knowledge and Skills:

Experience - Minimum two (2) years' experience in lending or branch operations area.

Education - High school diploma.

Interpersonal Skills - Excellent positive member/customer service and interpersonal skills.

Other Skills:

• Excellent math skills and the ability to effectively communicate with members.
• Familiarity with teller loan documents, lending regulations and credit union policies andprocedures.
• Proficient in the use of Symitar for posting teller transactions and inquiry on depositaccounts and loan accounts.
• Proficient in the Akcelerant to perform basic inquiry on loan applications in process, inputloan applications, and disburse approved loans.
• Proficient in Synapsys MRM, to act on PSO’s, create and input to events, and retrieve andread My Sales reports.
• Excellent oral, written and telephone communication skills.
• Attention to detail and accuracy. Keyboarding 40 w.p.m.

PhysicalRequirements -The ability to lift 25 lbs. and utilize standard office equipment including, but not limited to,PC, fax, copier, telephone, etc.

Work Environment - Ability to function in a financial institution environment.

This Job Description is not a complete statement of all duties and responsibilities comprising the position.

Employment Type: Full-Time

Location: Lake Ridge

***Apple Federal Credit Union values, encourages, and implements diversity in the workplace.***

As an equal opportunity employer, Apple Federal Credit Union does not discriminate in employment with regard to race, color, religion, national origin, citizenship status, ancestry, age, sex (including sexual harassment), sexual orientation, marital status, physical or mental disability, military status or unfavorable discharge from military service or any other characteristic protected by law.

All selected candidates will be subject to credit and background checks to determine employment eligibility.***