Reports to: Branch Manager
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.
- Trustworthy
- We deliver excellence through knowledge.
- We can be depended upon to do the right thing.
- We believe in exceeding expectations.
- Caring
- We are committed to encouragement and the power of positivity.
- We respect all people, without judgment.
- We give the best of ourselves when we join together.
- Enthusiastic
- We are hardworking, passionate people.
- We encourage maximizing happiness and fun.
- We thrive by finding new ways to help.
Duties/Responsibilities:
- 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
Member Relationship Representative:
- 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.
Lending:
- Review paperwork prepared by loan officers to ensure that all documents have been gathered and all data is accurately entered on Symitar.
- Interview members and take loan applications.
- Process loan applications as needed.
- Assist with the loan auditing process.
General Sales Expectations:
- Successfully use effective Sales Champion skills and behaviors
- 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.
- Make sure members are being fully served
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.
Performance Standards:
- 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
Education Requirements:
- Minimum high school graduate or equivalent.
Experience:
- One year experience with a financial institution as a lender or New Accounts Representative is preferred
- Must have working knowledge of loan processing
- Ability to operate a 10 key calculator and a typewriter
- Experience with Microsoft Word and Excel
- Ability to communicate with members and other staff – clearly and concisely
- Good working knowledge of all credit union products and services
- Good understanding of State and Federal laws governing the account opening, servicing and lending processes
Qualifications
Education
Required
High School or better.
Experience
Preferred
- 1 year: Financial Institution Experience as Lender or New Accounts
