Financial Service Representative I/Personal Banker (Chula Vista)

About the role

The Financial Service Representative I provides prompt, professional, and accurate information to members and potential members. This role focuses on opening new accounts, securing loans, and deepening member relationships by offering Credit Union products and services to meet members’ needs and increase satisfaction while maintaining the organization’s quality service standards.

Responsibilities

• Interview members and potential members to determine their financial needs and aid in selecting appropriate products and services.
• Identify and offer products and services to members to meet their financial needs and/or refer them to an appropriate representative or partner.
• Participate in campaigns, contests, member outreach efforts, meetings, and one-on-ones with management.
• Meet established performance goals as assigned.
• Accurately record and track all member interactions, referrals, and sales, following policy and procedure while maintaining integrity.
• Provide an exceptional service experience consistent with Credit Union standards; resolve member complaints quickly and accurately; respond to member inquiries on the phone and in person.
• Stay abreast of current policies, procedures, and new products; follow new procedures.
• Prepare documentation for new accounts, loans, and/or card issuance, ensuring adherence to legal requirements and Credit Union policies.
• Ensure loan files are complete and accurate with appropriate and thorough comments, along with recommendations to aid in loan decisions.
• Relay loan decisions to members along with loan terms and conditions, providing financial counsel and alternatives as needed.
• Provide timely closing of loans through consistent follow-up of loan approvals.
• Ensure operational integrity through consistent and timely audits of loan and new account files and documentation with all member interactions.
• Participate in business development activities, including orientations and offsites.
• Contribute to overall branch performance by providing guidance to co-workers as directed by management.
• Participate in AML/BSA compliance training as assigned and adhere to credit union AML/BSA policy and procedures, including CTR rules and form preparation, identifying and referring suspicious activity, performing OFAC comparisons, and properly identifying individuals.
• Act as an MSR or Receptionist as directed by management.
• Support management in community development activities.
• Maintain safe deposit boxes, as applicable.
• Perform other duties as assigned.

Requirements

• High school diploma or equivalent.
• One year of banking experience, including knowledge of member interviewing techniques, ability to identify and offer/refer products and services to meet members’ financial needs; OR 2 years of relevant finance-related experience; OR 6 months of SDCCU member-facing work experience.
• Demonstrated ability and thorough knowledge of, and willingness to actively promote, products and services.
• General knowledge of Credit Union and/or financial institution loan policies and procedures preferred.
• Demonstrated professional human relations, communication, and organizational skills.
• College-level math and financial calculation skills.
• Basic computer skills, including MS Office applications (Word, Excel, Outlook).
• Professional appearance and demeanor.

Schedule

• Monday-Friday: 8:00 AM – 5:00 PM
• Saturday: 8:00 AM – 5:00 PM (rotating)
• Sunday: Off
• Full-time – 40 hours per week
• May be required to work weekends and/or extended hours, including offsite events.

Physical Demands and Work Environment

The physical demands described are representative of those that must be met to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform these functions.

• Regularly required to use hands to finger, handle, or feel objects, tools, or controls and talk or hear.
• Frequently required to stand and reach with hands and arms.
• Occasionally required to walk, sit, climb or balance, stoop, kneel, crouch, or crawl.
• Must occasionally lift and/or move up to 25 pounds.
• Specific vision abilities required include close vision, distance vision, color vision, peripheral vision, depth perception, and the ability to adjust focus.
• The noise level in the work environment is usually moderate.