Utility Financial Services Representative

Vantage Credit Union; O’Fallon (MO); Presencial; USD 28.000 - 32.000; Jornada completa

Descripción de la vacante

Vantage Credit Union in O'Fallon, MO is seeking an Experienced Banking Associate to proactively meet sales and production goals while supporting branch objectives. You will assist members with accounts and loans, refer cross-sell opportunities, and ensure accurate processing of paperwork in line with policy and regulations.

This role emphasizes member service, collaborative teamwork, and compliance. Travel to different branch locations may be required to support coverage and service delivery.

Formación

• At least two years of experience in a sales role.
• One year of experience in a financial institution is preferred.
• Some college education is desirable.
• High School diploma required.

Responsabilidades

• Meet individual sales and production goals and contribute to branch and overall credit union goals.
• Assist members with account and loan needs; ensure paperwork is completed accurately and timely.
• Recommend alternative solutions for members who do not qualify for loans or services based on their financials.
• Comply with credit union policies and government regulations; maintain confidentiality of member information.
• Perform initial quality control assessments on loan and account documentation.

Conocimientos

Sales

Time management

Interpersonal skills

Communication

Dependability

Technical

Physical

Educación

High School diploma

Some college education

Descripción del empleo

Job Details: Level: Experienced, Job Location: Progress Point - OFallon, MO, Position Type: Full Time, Education Level: High School, Salary Range: $20.00 - $23.00Hourly, Job Shift: Day, Job Category: Banking, JOB FUNCTIONS

• Proactively and successfully meet individual sales and production goals as well as contribute to individual Financial Center and overall credit union goals. Maximize opportunities to gain and grow member wallet. Recommend and refer cross-sell opportunities as appropriate.
• Assist members with account and loan needs and inquiries. Ensure all required paperwork and information in the system is completed in an accurate and timely manner.
• Recommend alternative solutions and courses of action to existing and potential members who do not currently qualify for loans or other services based on their previous financial performance.
• Comply with credit union policies and government regulations by securely maintaining member information and records, coordinating efforts with audit, retail operations, compliance, credit resolutions, centralized lending, and quality assurance. Maintain confidentiality at all times.
• Perform initial quality control assessments on loan and account documentation on their own work.

Must be able to travel to any of our branch locations.

Qualifications: KNOWLEDGE

• Possesses ability for independent thinking that allows for identification of problems and corresponding solutions. Develops and executes action plans where needed.
• Possesses a thorough knowledge of credit union operations, including loan and deposit products and departmental operations.
• Keeps current with industry trends and changes in regulations.
• Sensitive to the credit union philosophy, understands the difference between a credit union and a bank, and works with members based on their individual needs.

SKILLS

• Sales - Actively interacts with existing and potential members to identify current and future financial needs, determines appropriate solutions and is successful in growing member wallet.
• Time Management - Has the ability to process a large volume of work while maintaining member service standards. Possesses good ability to organize work, plan activities, prioritize tasks and meet deadlines/standards for work assigned. Must be flexible and have a strong ability to adapt to changing situations.
• Interpersonal Skills - Interacts professionally and positively with others, cultivating positive relationships that further the goals of the credit union and meet member needs. Uses tact and diplomacy in difficult situations, approaching conflicts from a positive angle and striving to find a win-win solution by using sound negotiating skills. Works well with other team members to achieve group cohesiveness and objectives.
• Communication - Expresses self honestly, positively, and professionally in both oral and written communication. Speaks correctly and uses correct grammar and spelling in all communications.
• Dependability - Possesses strong sense of ownership and responsibility for financial centers operations. Displays integrity and high moral responsibility.
• Technical - Displays a solid analytical ability, with the ability to be direct and ask discerning questions. Has a strong understanding of the various programs/software used in their position. Performs work accurately with a strong attention to detail.
• Physical - Able to lift up to 30 pounds occasionally.

EDUCATION AND EXPERIENCE

• Incumbent should possess at least two years of experience in a sales position. At least one year of experience in a financial institution is preferred. Some college education is desirable.
• Attendance of credit union industry seminars, workshops and conventions may be required. Ongoing professional development is expected.

PHYSICAL REQUIREMENTS

• Occasionally remaining in a stationary position which may be standing or sitting for a prolonged period of time.
• Occasional travel or moving from one office location to another or from one department to another at the headquarters building.
• Occasional lifting, moving, or adjusting objects up to 30 pounds.
• Constant communication with others through various channels including verbal, email, and chat of which the last two may require consistent use of a keyboard and mouse or another electronic device.
• Work will be in a commercially reasonable temperature-controlled environment.
• Occasional temporary exterior site review which could be in outdoor elements of wind, rain, or snow.