Member & Loan Services Rep

US10 Air Products and Chemical; United States; On-site; USD 38,000 - 60,000; Full time

Benefits offered by this job

Health insurance

401k match

Paid vacation & holidays

Parental leave

Backup care

Adoption assistance

Flexible spending accounts

Life Insurance

AD&D

EAP

Job summary

Air Products is seeking a diligent Member & Loan Service Representative to join APCI FCU’s Member Services Team. This role serves members in person, by phone, mail, online, and email, balancing transactions, verifying cash and check totals, and upholding operational controls.

Responsibilities include explaining APCI FCU products, processing deposits and IRA requests, and supporting lending and marketing initiatives to grow loans and memberships. A dynamic benefits package is offered.

Qualifications

• Strong customer service and confidentiality are required.
• Excellent written and verbal communication; proficiency with Word/Excel is expected.
• Multitask and work independently; travel may be required.

Responsibilities

• Develop and demonstrate understanding of APCI FCU products and services.
• Represent APCI FCU professionally in line with its mission and reputation.
• Open, modify and close deposit products such as savings, checking and IRAs.
• Process IRA contributions, distributions and transfers.
• Perform financial transactions and balance cash drawers.
• Complete end-of-day reports and resolve out-of-balance conditions.
• Assist with lending and marketing activities to support growth.
• Ensure compliance with regulatory requirements and policies.

Skills

Customer service

Communication

Attention to detail

Teamwork

Travel willingness

Education

High school diploma or GED

Associate degree preferred

Tools

Microsoft Word

Microsoft Excel

Job description

At Air Products, we reimagine what’s possible. By tapping into the motivation of our people and our collective experience, we create the ideas and innovations that drive us forward. When we come together – where every voice is heard and everyone knows they belong and matter – we create solutions that launch people into space, support lifesaving care in hospitals, and enable the construction of groundbreaking, world scale production facilities.

Reimagine What’s Possible As a Member & Loan Service Representative (M&LSR), you will be responsible for effectively servicing and providing exceptional service to our APCI Federal Credit Union (FCU) members in person, by phone, mail, online, email, and through various digital communication channels. You will also support routine Teller transactional, operational, and member service support tasks in conjunction with the strategic initiatives established by the Credit Union and APCI Federal Credit Union (APCI FCU), NCUA, Air Products and Chemicals, Inc., and other relevant policies, procedures, and all regulatory requirements.

APCI FCU’s Mission is to: Provide our members with innovative financial products and services for all stages of life. Serve our members in a financially sound and competitive manner, and Educate our members in making informed financial decisions.

What's In It for You

• Affordable Medical, Dental and Vision Insurance (day 1 of employment)
• 401k with 100% vested company core and match
• Paid Vacation, holidays + sick time
• Paid Parental leave (Up to 8 weeks)
• Backup Child and Adult Care benefit
• Adoption assistance
• Flexible spending accounts (medical, dependent daycare)
• Life Insurance (AD&D- Paid for by Air Products)
• Supplemental AD&D Legal Plan & Identity theft coverage
• EAP (Employee Assistance Program)
• Many more supplemental benefits available

Nature and Scope

The M&LSR is a member of the APCI FCU's Member Services Team and reports to the APCI FCU's Manager of Member Services. The position involves responsibilities related to developing and maintaining positive member relationships, as well as promoting APCI FCU's share and loan products and services. Additionally, it involves balancing daily transactions, verifying cash and check totals, and managing risk by maintaining appropriate controls to ensure operational integrity and compliance with applicable regulations, policy requirements, and audit procedures. Create an inclusive and professional environment where all team members are respected, and diversity is valued. Participate in meetings and share ideas in support of the credit union's Strategic Initiatives.

APCI FCU provides financial services to Air Products and Chemicals, Inc., Contractors, and Versum Materials plus Select Employer Groups and to members of their immediate family and households. The APCI FCU provides a broad range of financial related products and services including mobile banking, remote deposit capture, vehicle loans, refinance mortgage loans, personal loans, MasterCard, savings, checking, money market account, certificates and IRAs. Loan amounts range from $500 to $1,200,000 while individual member deposits range from $5 to over $1,000,000. While having only a single physical location in Allentown, PA, the APCI FCU’s members span over the 50 U.S. states in addition to a small international contingent. Larger member concentrations are in Pennsylvania, Texas, California, Arizona, and Louisiana. The APCI FCU reaches its members through a variety of channels including internet, mobile app, telephone, outbound calls, and direct mail.

Required Skills / Abilities

• Strong customer (member) service skills.
• Demonstrated ability to deliver friendly, prompt, and knowledgeable service while ensuring member confidentiality.
• Strong written and verbal communication skills as well as intermediate proficiency with Word and Excel.
• Multi-task and work independently as well as part of the Member Services Team.
• Expected to travel.
• Occasionally, the Credit Union conducts membership events off the physical premises. Employees may be asked to participate in these events.

Key Job Responsibilities

• Develop and demonstrate a comprehensive understanding of APCI FCU products and services with ability to clearly explain to current or potential members.
• Represent APCI FCU in a courteous and professional manner which supports APCI FCU’s mission and reputation.
• Open, modify and close all types of deposit products such as savings, checking, money market, share certificates and IRA’s.
• Process Traditional and Roth IRA requests, including contributions, distributions and transfers.
• Perform financial transactions, including deposits, withdrawals, loan payments, and issuing cashier's checks.
• Additionally, balance cash drawers, complete end-of-day reports, investigate and resolve any out-of-balance conditions for accounting.
• Possess a comprehensive knowledge of loan application origination, and servicing.
• Ability to understand and explain compound interest and loan amortization schedules.
• Maintain confidentiality of member(s) sensitive information.
• Assist with lending and marketing activities designed to support and encourage loan and membership growth.
• Develop and demonstrate an understanding of APCI FCU regulatory requirements such as USA PATRIOT Act, BSA/OFAC and Reg. DD (Truth-In-Savings).
• Perform other duties and complete projects as assigned by the APCI FCU President/CEO, CFO, CMR, CCL, Manager of Member Services or Board of Directors.

Minimum Hiring Requirements

• A high school diploma or GED is required.
• Associate’s degree in business or finance is preferred but is not required.
• 3 years of loan services or financial institution services experience is preferred but is not required.
• Credit union experience is preferred but is not required.
• Strong organizational skills, attention to detail and excellent time management are required.
• Ability to lift up to 50lbs is required.
• A valid driver’s license is required.

Veteran Friendly

Join Air Products, where we proudly value the skills, dedication, and leadership that Veterans bring to the table. As a Veteran-friendly organization, we actively encourage and welcome Veterans to apply for various roles within our company. We recognize the unique strengths and experiences that Veterans contribute, and we foster a workplace that honors your service while providing a platform for professional growth.

Founded in 1940, Air Products is a world-leading industrial gases company and has a proud history of innovation, operational excellence, with an unwavering commitment to safety and environmental stewardship. Working together, we are taking our passion and diverse backgrounds forward to reimagine what’s possible and generate a cleaner future for our customers, our communities, and the world.

Air Products is an Equal Opportunity Employer (U.S.). You will receive consideration for employment without regard to race, color, religion, national origin, age, citizenship, gender, marital status, pregnancy, sexual orientation, gender identity and expression, disability, or veteran status. Air Products is committed to working with and providing a reasonable accommodation to individuals with disabilities. If you have a disability and you believe you need a reasonable accommodation to search for a job opening or to submit an online application, please e-mail us at [e-mail]. General application status inquiries are not answered by this mailbox rather you’ll receive an e‑mail directly from our Career Center and/or the Talent Acquisition Specialist.

Air Products is in every corner of the globe. Our team has over 21,000 people in over 50 countries, and we are one of the world's leading industrial gas companies. We can offer opportunities like no other―and as we grow, so can you.