Position Overview
The primary purpose of this position is to assist Members First Credit Union to deliver on its mission: To encourage a better tomorrow. To achieve this mission, the position must deliver on our brand promise: We believe in you. Our promise is to be trustworthy, caring, and enthusiastic to help you succeed. You will do this by living out our core values in every service contact to both internal and external members.
Essential Duties
- Deliver on the Credit Union’s Promises in every service situation
- Develop and Maintain an effective level of product knowledge
- Identify members’ financial needs and recommend appropriate Credit Union solutions
- Inform members of loans available within the Lending Policies of the credit union
- Increase loan volume by cross selling additional loan products, using information obtained from the member and/or credit report
- Open New Accounts, new IRA accounts, certificates of deposits, and various other share and sub accounts. Tell new members and potential members about our MFCU products and services and how the member will benefit from these products & services
- Be a visible presence in the local community. Promote the credit union and gain leads through participation in business, community, chamber, and charitable organization activities as assigned
- Travel is required to various branch locations to cover shortages in staffing
- This position is an in branch/office role, must be available to work 8 a.m. to 5 p.m. M-F, Saturday coverage as needed, and some outside of normal working hours for meetings and/or education/trainings
Duties and Responsibilities
The following statements are intended to describe the general nature and level of work being performed by this position. It is not intended to be an exhaustive list of all duties, responsibilities and skills required of this position. Other duties may be assigned to meet business needs.
- Create opportunities for expanded member relationship by determining the needs for additional product and services; recommend appropriate Credit Union solutions
- Process member’s cash and checks
- Operate and balance a cash drawer as needed
- Handle inquiries on member’s accounts, statements, and histories
- Process check orders as needed
- Sell Visa Gift and Travel Cards and cashier’s checks/money orders
- Collect any fees as required for services
- Remind delinquent members that their payments are due
New Accounts
- Thoroughly explain products and services to members. Prepare and process documentation for new accounts and collect share deposit
- Assist with the new accounts auditing process
- Prepare an adverse action letter when products are denied
- Be knowledgeable in IRA laws and paperwork
General Sales Expectations
- Successfully use effective Sales Champion skills and behaviors
- Actively participate in Credit Union initiatives, promotions, and achieve assigned financial service goals
- Build relationships with current and new members. Offer products and services that will help to fulfill their financial needs
- Assists with the onboarding process that continues to build relationship with new members
Other
- Answer telephones and handle member inquiries
- Process mail as required
- Attend education functions as required
- Other duties that may be assigned from time to time
Qualifications and Expectations
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the expectations of the person performing this job.
- Strive to exceed credit union, department, and personal goals
- Team oriented
- Dependable
- Highly organized
- Produces accurate work results
- Readily keeps others adequately informed
- Presents a professional image
- Maintains a high level of knowledge about credit union philosophy, products and services
- Flexibility
- Ability to communicate with members and other staff – clearly and concisely
- Good understanding of State and Federal laws governing the account opening, servicing and lending processes
- Courtesy, tact, and diplomacy are essential elements of the job. Work involves personal contact with others inside and /or outside the organization generally regarding routine matters for purposes of giving or obtaining information, which may require some discussion
Physical Requirements
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
- Ability to lift up to 25 pounds.
- Able to sit or stand for 2-4 hours at a time.
Work Environment
- Must maintain a neat and orderly work area.
- Routinely clean and disinfect work areas (i.e. teller stations, desk surfaces, phones, electronic equipment).
- Protect the confidentiality of credit union staff and members by locking door or removing items from desk/workstation when away.
Education and Experience
- Minimum high school graduate or equivalent
- Minimum 1-2 years related experience
- Skills in Microsoft Word, Excel, and Outlook
- The ability to attain the Financial Counselor Certification (CCUFC) through CUNA within the first 6 months
