Member Service Rep
Job Description:
Essential Functions
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
- Greet and welcome members to the credit union in a courteous, friendly, respectful, professional and timely manner, providing prompt, accurate and efficient member transactions.
- Receive share drafts/checks and cash for deposit to accounts, verify amounts, examine share drafts/checks for proper endorsement, and enter deposits into computer records. Assist with mail or email transactions as needed.
- Cash share drafts/checks and process withdrawals; pay out money after verification of Identification and member balances.
- Receive consumer loan, home loan and other payments, and ensure the payments match balances due and are accurate when posting to the computer. Generate member receipts.
- Post IRA contributions and withdrawals, open and/or close certificates of deposit. Opening IRA accounts, processing transfers and rollovers.
- May serve as Teller. Provide transactional member service, including but not limited to the following: accept and process deposits, withdrawals and payments and handle other over the counter transactions.
- Place holds on accounts for uncollected funds.
- Maintain an up-to-date and comprehensive knowledge on all credit union products and services along with comprehensive knowledge on all related policies, procedures, rules and regulations, including robbery procedures.
- Promote, explain, refer and cross-sell other credit union services such as electronic services, credit and debit cards, accounts and loans.
- Outbound contact with existing members for follow-up, cross sell opportunities, offers and campaigns.
- Opening membership accounts and additional shares. Correct processing of maintenance on existing accounts (name, address, beneficiary and any other ownership changes). Properly close accounts by member request or beneficiary purposes.
- Interview members for loan applications. Accurately collect information in order to process and fund all loan types (secured and unsecured).
- Comply with NMLS registry and training to offer home equity loan products.
- Knowledge to complete account and loan documentation. May include serving as Notary Public.
- Scan daily work, perform such other teller functions that might be needed from time to time, and assist others to complete tasks and work assignments.
- Assist tellers and newer staff members as a resource for member solutions.
- Troubleshoot and resolve member concerns.
- Ensure compliance with all internal controls and established policies and procedures.
- Complete required training curriculum as identified by management and/or Organizational Development.
- Comply with the Bank Secrecy Act (BSA) and Office of Foreign Assets Control (OFAC).
- Occasionally, the representative will be asked to work at a different location, if a different branch needs coverage.
Competencies
- Superb member service orientation.
- Strong numeric ability.
- Accuracy and attention to detail.
- Computer proficiency.
- Stress management/composure.
- Good listening and communication skills.
- Honesty and integrity.
- Teamwork.
Work Environment
This job operates in a branch or office setting. This role routinely uses standard office equipment such as computers, software, phones, photocopiers, recyclers, ATMs, filing cabinets, multi-function machines and video. Physical presence in the office and/or branch setting is required.
Physical Demands
This position requires manual dexterity, the ability to lift and/or move up to 25 pounds. This position requires bending, stooping or standing as necessary.
Position Type/Expected Hours of Work
Ability to work flexible schedule Monday through Friday, 7:45 a.m. to 6:30 p.m.
Travel
Periodic travel to other FCU locations may be required.
Qualifications
Required Education and Experience
- High school diploma or equivalent.
- One year related experience and/or training; or equivalent combination of education and experience.
Preferred Education and Experience
- Previous cash handling experience.
- Previous experience with a credit union highly desirable.
Additional Eligibility Qualifications
- Multi-lingual capabilities to include Spanish are a plus.
Other Duties
Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change at any time with or without notice.
