Branch Service Specialist (Universal Banker)

Founded by a small group of educators, Michigan Schools & Government Credit Union (MSGCU) has been providing quality financial services to the community for 70 years and welcomes everyone in Michigan to bank with us. We are financial champions committed to helping our members achieve financial success by rallying behind them and their goals. As the sixth largest Credit Union in Michigan, MSGCU has 24 branch offices in southeast Michigan, over 450 team members, more than 150,000 members, $4 billion in assets, and a 97% member satisfaction rating for two decades. We are a caring organization that strives to ensure an equitable and inclusive culture where everyone is valued and respected.

About the role

Performs a broad range of member sales and service functions as well as teller transactions to deliver the desired member experience. Focuses on listening to identify member needs, asking questions, and cross-selling products and services as effective solutions to build loyal member relationships.

Responsibilities

• Member Service Representative: Processing loan applications, opening new memberships, opening IRAs, setting up automated services, and supporting the Call Center as needed. Effectively explains ownership options and eligibility requirements for membership and ensures that all paperwork, documentation, and signatures are completed accurately.
• Teller: Accurately completes teller transactions and balances drawer and checks at the end of the day. Transactions include cashing checks, processing deposits and withdrawals, making member payments, processing certificate of deposit transactions, and member account maintenance.
• Relationships: Exceeds member service expectations and builds trusting relationships with members by being the financial expert and showing a sincere interest in the member and their financial success. Uses Creating Member Loyalty skills to effectively handle member complaints and resolve issues by working with members to identify mutually beneficial solutions.
• Cross-Selling: Uses a consultative approach when serving members, asking high-impact questions to identify and meet member perceived and unperceived needs. Listens for member cues and uses in-depth knowledge of MSGCU products and services to cross-sell and offer solutions for member needs by focusing on the benefits and value to the member. Offers Credit Life, Credit Disability, and GAP when identified in the member’s best interest and to protect MSGCU. Generates new business by asking for business and referrals.

Core Competencies

• Member Focus: Builds strong member relationships (internal/external) by using effective listening skills to gain insight into member needs and identifying opportunities to benefit the member, efficiently resolving problems, and providing superior quality service in a professional, efficient, and courteous manner.
• Action Oriented: Takes on new opportunities and tough challenges with a sense of urgency, high energy, and enthusiasm. Completes responsibilities with a high level of excellence, professionalism, efficiency, accuracy, and responsibility for outcomes.
• Communicates Effectively: Actively listens, provides timely and helpful information, shares, collaborates, and participates in team discussions.
• Instills Trust: Gains the confidence of others by modeling honesty, integrity, authenticity, and behaviors that align with organizational values. Makes responsible choices and exemplifies courage by stepping up to address difficult issues.
• Self-Development: Actively seeks new ways to grow and be challenged using both formal and informal development channels; demonstrates a willingness to step into other areas as requested.

Requirements

• High school diploma or GED; and
• 6 months of experience as a teller in a financial institution or as a retail sales representative/cashier; and
• Either:
  • 2 years retail sales experience, or
  • Associate degree preferably in Business Administration, Marketing, Accounting, or Finance, or
  • 1 year of member/customer-facing experience within financial services.

Working Conditions

• Office and branch location environment with little discomfort from noise, extreme temperature, dust, or other factors.
• Occasionally required to travel throughout MSGCU’s service area to support other branches as business needs require.
• Exposed to potentially hazardous conditions, such as robbery. Receives detailed instructions and procedures to be followed on an annual basis to minimize risk.
• This work involves sitting most of the time with brief periods of walking or standing and may occasionally require lifting and/or moving up to 10 pounds.

Pay

Base hourly pay begins at $18.65/hour. Team members in this role are eligible to earn incentives as part of our variable compensation plan.

Benefits

• Medical, dental, and vision coverage starting on your first day. You can choose the most generous Health Savings Account (HSA)-eligible medical plan with no monthly premium for you (and your family).
• If you are at least 21 years old, you will receive a 3% contribution from MSGCU, and a 100% match for the next 7% you contribute to your 401(k).
• 12 paid holidays and up to 120 hours of PTO your first year of service (pro-rated based on start date).
• Generous vacation time, retirement plan contributions, and discounts on loans.