Member Service Representative 3

P1FCU; United States; On-site; USD 55,000 - 75,000; Full time

Job summary

P1FCU is seeking a Loan Officer to provide exceptional member service and promote loan products while maintaining strong relationships. You will assist with new loans, open accounts, and educate members on services, fees, and terms.

Strong sales and smooth referrals are expected in a fast-paced credit union environment. Responsibilities include processing loans, CDs, IRA transfers, and keeping up with compliance policies.

Qualifications

• Three to five years of similar or related experience.
• High school diploma or equivalent.
• Proven track record of selling and servicing loans.
• Excellent communication and interpersonal skills.
• Ability to work with multiple accounts and provide accurate information.

Responsibilities

• Assist members with loans and opening accounts.
• Explain loans, products, fees, and services to members.
• Advise on complex products and meet sales goals.
• Open IRA certificates and educate on penalties and terms.
• Set up CDs and educate on penalties and earnings.
• Provide back-up to tellers and process transfers (ACH/wires).
• Comply with Bank Secrecy Act, Patriot Act, and OFAC.

Skills

Loan products knowledge

Customer service

Sales skills

Communication

Interpersonal skills

Education

High school diploma or equivalent

Tools

Excel

Word

CRM software

Job description

Role

Responsible for providing excellent member service and maintaining strong professional relationships. Assists members with new loans and products, open accounts, advises of the status of accounts, furnishes information on loans, products, fees and services. Courteously and promptly resolves member questions and problems or properly refers them to appropriate personnel. May advise on more complex products. Very likely to have sales goals.

Major Duties and Responsibilities

Lending is the primary function in addition to open various new accounts, process necessary information and educate the members as to services/products available as a result. (For example, Visa check card, online banking, ITM's, etc.)

Answers questions and solves problems for members by listening to problems, collecting data, securing answers and reporting results to the inquiring party. Resolves member bookkeeping and checking account problems. Takes stop payment orders. Orders checks for member's accounts. Completes appropriate forms for members' needs. May provide notary service.

Presents and explains Credit Union services and products to members while identifying cross-sell opportunities and cross-selling services to members.

Explain and expedite the opening, closing, transfer, and rollover of IRA certificates.

Assist members with opening CDs and educate members as to penalties, earnings, etc.

Provide backup to tellers upon request.

Set up auto transfers and sign up members for ACH transfers and wires.

Must comply with all company policies and procedures, applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.

Qualifications

Knowledge and Skills

Experience

Three to five years of similar or related experience, including preparatory experience. Or demonstration at Loan Officer 1 level of advanced interview skills and 6 months at the Loan Officer 1 level with sufficient number of loans accurately booked.

Education/Certifications/Licenses

A high school degree or equivalent

Interpersonal Skills

Courtesy, tact, and diplomacy are essential elements of the job. Work involves much personal contact with others inside and/or outside the organization for purposes of giving or obtaining information, building relationships, or soliciting cooperation.

Other Skills

Must have proven track record of selling and servicing loans. Must be familiar with various computer software programs and comfortable with automated technology. Must be able to type, use PC, general office equipment including ten-key calculator and excellent in Excel and Word programs. Excellent organizational and editing skills, communication skills with vendors, staff, members, and general public.

ADA Requirements

Physical Requirements

Perform primarily sedentary work with limited physical exertion and occasional lifting of up to 10 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 private work area with minimal noise.

Mental and/or Emotional Requirements

Must be able to perform job functions independently or with limited supervision and work effectively either on own or as part of a team. Must be able to read and carry out various instructions and follow oral instructions. Must be able to speak clearly and deliver information in a logical and understandable sequence. 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 the stress of deadlines/requirements for extreme accuracy and quality and/or fast pace. Must be able to effectively handle multiple, simultaneous, and changing priorities. Must be capable of exercising highest level of discretion on both internal and external confidential matters.

confidential matters.