Financial Services Representative

Posted on Sep 11 San Diego, CA


California Credit Union



Overview:






Provide exceptional member service; using Automated Decision Systems, process loan applications and fund loans; establish new memberships and open new accounts. Respond to member inquiries timely and accurately. Actively promote, explain and cross-sell credit union products and services, and actively participate in all promotional/referral programs. Develop, expand and retain member relationships. Coordinate sales efforts with the appropriate department (Insurance, Financial Services, etc.) as needed. Achieve assigned goals.

Responsibilities:






Principal Accountabilities:
Assumes responsibility for exceptional member service; adherence to all Regulatory/Compliance policies and ability to manage associated risk; accurate and timely input of all new account and loan information; provide regulatory disclosures to all members.

  • Provide exceptional member service.
  • Extensive knowledge of credit union products, services, policies and procedures and refer our members' appropriate products and services that will benefit their financial needs.
  • Comprehensive knowledge of lending products and regulations.
  • Accurately quote rates, terms and fees.
  • Accurate and timely processing of loan applications, including Automated Decision Systems and any subsequent processes, associated with resulting decision. Ensure all required forms are properly completed and signed.
  • Inform member of loan decision. Timely and accurate funding of approved loans. Provide required disclosures.
  • Follow-up on pending loans in the Branch queue on a daily basis, as assigned by Branch Manager or delegate. Ensure comments are updated regularly and information is thorough.
  • Accurate and timely set-up of all account types and services including Payroll Deduction, Direct Deposit, ATM or Visa check card, etc. Provide required disclosures.
  • Responsible for initiating retention effort on large withdrawals and account closeouts. Refer to Management staff for additional retention assistance.
  • Address and resolve member's concerns and inquiries.
  • Coordinate interaction with other departments, as needed.
  • Control and safeguard assigned cash drawer, keys and combination.
  • Must comply with all State and Federal regulations that pertain to the job functions.

Assumes responsibility for the promotion of credit union products and services and the attainment of all assigned sales goals.

  • Participate in all CCU promotion/referral programs and meet assigned sales goals.
  • Prepare and submit accurate sales tracking reports in a timely manner.
  • Identify member financial needs to maximize cross-sell opportunities.

Secondary Accountabilities:
Performs other duties as assigned.

Qualifications:






EDUCATION/CERTIFICATION:
  • High School Graduate with some college – AA preferred.

REQUIRED KNOWLEDGE:
  • PC literate, including word processing/spreadsheets (Microsoft Word and Excel preferred.)
  • Knowledge of regulations related to financial institutions.

EXPERIENCE REQUIRED:
  • Consumer lending experience preferred.
  • Two years customer service/sales experience in a financial institution.
  • Knowledge of regulations related to financial institutions.

SKILLS/ABILITIES:
  • Excellent verbal and written communication skills.
  • Excellent sales skills.
  • Professional appearance and demeanor.





PHYSICAL ACTIVITIES AND REQUIREMENTS


Communication:
  • Ability to clearly and accurately communicate instructions or ideas to co-workers in an appropriate manner. Ability to comprehend normal business conversations.

Manual Dexterity:
  • Ability to use the fingers to make small movements such as typing or picking up general office objects. Movements frequently and regularly are required using the wrists, hands, and/or fingers.

Visual Abilities:
  • Visual acuity necessary to prepare or inspect documents and products, or operate machinery.

Physical Strength:
  • May be required to lift up to 10 pounds occasionally.

WORKING CONDITIONS
Setting: The working conditions are a general business office with daily interaction with members, co-workers

and management, sitting for extended periods of time, frequent up/down motion, reaching downward or overhead

from sitting position, stooping and bending.

MENTAL ACTIVITIES AND REQUIREMENTS
Reasoning Ability: Ability to carry out instructions and exhibit problem solving skills.

Mathematics Ability: Ability to accurately perform basic math functions including addition, subtraction,

multiplication and division.

Language Ability: Exhibit effective written and verbal communication skills. Ability to read and comprehend

job related materials efficiently. Ability to prepare written correspondence in a professional manner.