MEMBER SERVICE CONSULTANT

Guardian Credit Union; Montgomery (AL); On-site; USD 42,000 - 54,000; Full time

Job summary

Guardian Credit Union in Montgomery, AL, seeks an loan assistant/associate to assist members with opening products and services and to advise on the best financial solutions. The role emphasizes high-quality service, accurate loan documentation, and effective collaboration with underwriting teams.

Candidates should have 1–3 years of related experience, a high school diploma or GED, and strong interpersonal skills to guide members through credit options and required processes.

Qualifications

• Six months to two years of similar or related experience.
• High School diploma or GED is required.
• Customer service and financial services knowledge is preferred.
• Strong communication and interpersonal skills.
• Ability to work with members to assess needs and recommend products.

Responsibilities

• Assist customers with opening a wide variety of products and services and advise on utilization to meet personal financial goals.
• Provide the highest quality customer service and financial guidance to members.
• Conduct loan interviews, collect necessary information, and initiate loan transactions.
• Explain loan options and benefits (Credit Life, Disability, GAP, MBP) to members.
• Capture member stories accurately to support underwriting decisions and identify best solutions.
• Communicate lending decisions promptly and professionally while maintaining team relations.

Job description

Assist customers with opening a wide variety of products and services. Advise as to how best utilize company products and services in order to meet personal financial goals and provide the highest quality customer service.

Major Duties and Responsibilities

• Provides financial planning services to members. Counsels members and prospective members about their financial needs and services. Reviews and follows up with the member on credit building process.
• Complies with applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control, in addition to all company policies.
• Conducts the loan interview and secures the member information necessary to initiate a loan transaction. Maintains or exceeds established loan goal throughout the year. Ensures member is protected by educating on the benefits of available products (Credit Life, Disability, GAP, MBP)
• Serves as an effective liaison between the member and the Underwriting team by fully capturing member's story in loan notes to assist Underwriting in making sound decisions. Takes time to identify the appropriate solution for the member and makes recommendations accordingly.
• Verifies the quality, completeness and accuracy of loan applications. Performs work with accuracy and addresses identified errors in a timely manner.
• Communicate lending decisions in a manner that provides the member prompt and efficient service in a respectful manner. Maintains effective communication and positive interpersonal relationships with the branch team and other departments serving as a resource when needed.

Knowledge and Skills

Experience

Six months to two years of similar or related experience, including time spent in preparatory positions.

Education/Certifications/Licenses

A high school degree or GED is required.

Interpersonal Skills

Courtesy, tact, and diplomacy are essential elements of the job. Work involves personal contact with others inside and/or outside the organization, generally regarding routine matters for purposes of giving and obtaining information, as well as advising or referring, which commonly require shorter discussions.

ADA Requirements

Physical Requirements

Perform primarily sedentary work with limited physical exertion and occasional lifting of up to 25 lbs. Must be capable of climbing/descending stairs in emergency situation. Must be able to operate routine office equipment including telephone, copier, facsimile, and calculator. Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours whenever required or requested by management. Must be capable of regular, reliable and timely attendance.

Working Conditions

Must be able to routinely perform work indoors in climate-controlled shared work environment with moderate noise.

Mental and/or Emotional Requirements

Must be able to perform job functions independently and with limited supervision. Must work effectively as part of a team. Must be able to read and carry out various written instructions and follow oral instructions. Must be able to speak clearly and deliver information in a logical and understandable sequence. Must be able to perform basic financial calculations with accuracy. Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public. Must be able to perform responsibilities with composure under stress of deadline, requirements for extreme accuracy and quality and/or fast pace. Must be capable of exercising highest level of discretion on confidential matters.

Qualifications

Education

Required

High School or better.

Experience

Required

1-3 years:

Up to 1-3 years of similar or related experience including time spent in similar or preparatory positions.

Equal Opportunity Employer
This employer is required to notify all applicants of their rights pursuant to federal employment laws.For further information, please review the Know Your Rights notice from the Department of Labor.