Member Lending & Banking Specialist

Affinity Plus Federal Credit Union; Saint Paul (MN); On-site; USD 26,000 - 31,000; Full time

Benefits offered by this job

Medical insurance

Dental insurance

Vision insurance

401K matching

Paid leave

Wellness benefit

Job summary

Affinity Plus Federal Credit Union in Saint Paul, MN is seeking a Member Consultant to assist members across face-to-face, Drive Thru, phones, and digital channels, helping them select consumer lending and account products while guiding self-serve education.

You will open and maintain member accounts, answer lending questions, process transactions, and help members create personal budgets aligned with their goals.

Qualifications

• 1+ years of customer service or professional experience working with people.
• 1+ years of consumer lending experience preferred.
• Ability to navigate and resolve complex issues and situations.
• Ability to achieve call goals set by leadership.
• Basic knowledge of credit and regulatory policy as it relates to consumer lending.
• Ability to consistently identify and cross-sell product and service opportunities that will be beneficial to the member.
• Strong analytical and decision-making skills required with a high degree of accuracy.
• Aptitude to work independently as well as part of a team and ability to collaborate with others.
• Strong verbal and written communication skills.
• Time Management skills and the ability to prioritize workload based on department and member needs.
• Flexibility to adapt and succeed in a dynamic environment.
• Ability and drive to provide exceptional service to members and employees.
• Intermediate computer skills and the ability to navigate between multiple systems with ease.

Responsibilities

• Open membership savings, checking, certificates of deposit, Individual Retirement Accounts (IRA), and other credit union accounts or products.
• Provide information and recommendations to members concerning services and products, directing them to appropriate person when needed.
• Assist members with consumer lending questions and applications.
• Listen to member needs, identify, and recommend products and services aligning with member's needs.
• Determine different types of consumer loan and credit options that are available to the member.
• Analyze member's financial situation and credit report to determine if it is in the member's best interest to approve the loan.
• Review loan agreements and gather required documentation and ensure completeness and accuracy in accordance to policy.
• Approve loans within specified limits, and refer loan applications outside those limits to management for approval.
• Partner with members to understand their financial goals and assist in creating a personal budget to help them achieve those goals.
• Proactively reach out to members on products or services that would be a beneficial to help achieve their financial goals.
• Assist members with accurately and efficiently processing transactions.
• Provide education to members on our self-serve options.
• Execute wire or ACH transferring of funds.
• Instant issue debit, credit, and gift cards.
• Troubleshoot credit or debit card issues, online banking questions, or other general account related questions and issues.
• Balance and maintain personal cash drawer and branch vault, and appropriate currency logs if applicable.
• Other duties as assigned

Skills

Customer service

Lending experience

Problem solving

Cross-selling

Analytical thinking

Communication

Time management

Teamwork

Tech literacy

Job description

Affinity Plus Federal Credit Union in Saint Paul, MN is seeking a Member Consultant to assist members across face-to-face, Drive Thru, phones, and digital channels, helping them select consumer lending and account products while guiding self-serve education.

You will open and maintain member accounts, answer lending questions, process transactions, and help members create personal budgets aligned with their goals.