Member Service Representative (Full-Time) - El Cajon

Navy Federal Credit Union; El Cajon (CA); On-site; USD 42,000 - 56,000; Full time

Benefits offered by this job

Competitive pay and generous benefits

Job summary

Navy Federal Credit Union in El Cajon, CA is seeking a member-facing professional to provide basic counseling on products, assist with opening and maintaining deposit accounts, loans, and other financial services, and support daily banking operations.

The role emphasizes building relationships, working both independently and in a team, handling routine transactions securely, and complying with regulations while growing confidence and independence.

Qualifications

• Must build effective relationships with members and colleagues.
• Strong research, analytical and problem-solving abilities.
• Able to work independently and as part of a team.
• Maintain composure in high-production, changing environments.
• Navigate multiple systems efficiently and adapt to evolving technologies.
• Exercise sound judgment and make informed decisions.
• Embrace and support change initiatives in a dynamic environment.
• Communicate effectively with members and colleagues in written and spoken form.

Responsibilities

• Provide basic counseling on available products and services to meet member needs
• Assist members with opening and maintaining deposit accounts, loans, and other financial products
• Research and resolve basic account discrepancies and service requests
• Identify opportunities to cross-service products and enhance member relationships through education
• Understand and comply with all relevant regulations related to financial products and services
• Support teammates by sharing knowledge and best practices as experience grows
• Ensure cash and negotiable instruments are handled properly and securely
• Process routine transactions, including deposits, withdrawals, loan payments, and check cashing
• Perform other duties as assigned

Skills

Relationship-building

Research and problem-solving

Independent and team work

Composure under pressure

Systems literacy

Judgment and decision-making

Change adaptability

Verbal and written communication

Job description

Overview

To provide members and prospective members the full range of products and services offered by Navy Federal Credit Union including depository accounts such as checking, savings, certificates, IRA, revocable trust and estate accounts; Lending products; and credit/debit cards. To perform moderately complex platform banking functions under supervision while developing confidence and function independence in the role.

Responsibilities

• Provide basic counseling on available products and services to meet member needs


• Assist members with opening and maintaining deposit accounts, loans, and other financial products


• Research and resolve basic account discrepancies and service requests


• Identify opportunities to cross-service products and enhance member relationships through education


• Understand and comply with all relevant federal and institutional regulations related to financial products and services


• Support team members by sharing knowledge and best practices as experience grows


• Ensure cash and other negotiable instruments are handled properly and securely


• Process routine transactions, including deposits, withdrawals, loan payments, and check cashing


• Perform other duties as assigned

Qualifications

• Experience in building effective relationships through rapport, trust, diplomacy, and tact


• Effective research, analytical, and problem-solving skills


• Experience working independently and in a team environment


• Experience maintaining composure in a high-production and changing environment


• Experience navigating multiple systems efficiently and adapt to evolving technologies


• Effective skill exercising sound judgment and make informed decisions


• Ability to embrace and support change initiatives in a dynamic and continuously evolving environment


• Effective verbal and written communication skills to engage with members and colleagues

Desired Qualifications

• Working knowledge of deposit and loan products, services, and operational procedures


• Experience in customer service, preferably in banking or a financial institution

Additional Information

Hours:

• Available Monday - Saturday, hours based on business needs.

Location:

• 709 Fletcher Parkway El Cajon, California 92020


• Based upon business needs, this position may require working at or transferring permanently to neighboring branches within a reasonable commuting distance.

About Us

Navy Federal provides much more than a job. We provide a meaningful career experience, including a culture that is energized, engaged and committed; and fierce appreciation for our teams, who are rewarded with highly competitive pay and generous benefits and perks. Our approach to careers is simple yet powerful: Make our mission your passion.* FORTUNE 100 Best Companies to Work For 2026* Yello and WayUp Top 100 Internship Programs 2025* Computerworld Best Places to Work in IT 2026* Most Loved Workplace - America's Top Most Loved Workplaces 2025* 2025 PEOPLE Companies That Care* Newsweek Most Trustworthy Companies in America 2026* Military Times 2025 Best for Vets Employers* Forbes 2026 America's Best Large Employers* Forbes 2025 America's Best Employers for New Grads* Forbes 2025 America's Best Employers for Tech Workers* 2025 RippleMatch Campus Forward Award Winner for Overall Excellence* Military.com Top Military Spouse Employers 2025* 2026 Handshake Early Talent Award* Newsweek America's Greatest Workplaces for Culture, Belonging and Community 2026From Fortune Magazine. 2026 Fortune Media IP Limited. All rights reserved. Used under license. Fortune and Fortune 100 Best Companies to Work For are registered trademarks of Fortune Media IP Limited and are used under license. Fortune Magazine, Fortune Media (USA) Corporation, and its affiliates are not affiliated with, and do not endorse products or services of, Navy Federal Credit Union.

Equal Employment Opportunity:

All qualified applicants will receive consideration for employment without regard to age, race, sex, color, religion, national origin, disability, veteran status, pregnancy, sexual orientation, genetic information, gender identity or any other basis protected by applicable law.

Accommodations:

If you need accommodation or assistance for a qualifying condition to complete the online application (or during any stage of the hiring process), you can contact Navy Federal's Medical Accommodations team at [e-mail] or by calling 1-888-503-6013. This team cannot provide any information on job postings or application status.

Disclaimers:

Navy Federal reserves the right to fill this role at a higher/lower grade level based on business need. An assessment may be required to compete for this position. Job postings are subject to close early or extend out longer than the anticipated closing date at the hiring team's discretion based on qualified applicant volume. Navy Federal Credit Union assesses market data to establish salary ranges that enable us to remain competitive. You are paid within the salary range, based on your experience, location and market position. For additional details regarding compensation and benefits, review the Benefits page of the Navy Federal Career Site.

Protect Yourself from Job Scams:

Navy Federal Credit Union jobs are posted on our career site, jobs.navyfederal.org and reputable job boards (e.g., LinkedIn, Indeed). We do not post jobs on social media marketplaces, messaging apps or unverified websites. We will never ask candidates for payment, bank details or personal financial information during the hiring process.

Bank Secrecy Act:

Remains cognizant of and adheres to Navy Federal policies and procedures, and regulations pertaining to the Bank Secrecy Act.