Financial Service Specialist I - Montandon

About the role

Serve as liaison between the Credit Union and its members within a branch retail sales environment. Responsible for greeting members, performing routine account transactions, providing account information, opening new accounts, performing lending services and handling Credit Union members' needs in a professional manner.

Responsibilities

• Perform routine member transactions, including but not limited to deposits, loan and VISA payments, transfers, and ordering members' checks
• Interview, examine and process loan applications
• Open new accounts and service existing accounts; provide members with all necessary account information
• Explain services to members and potential members to generate additional business and promote positive public relations
• Resolve account related concerns with members
• Maintain office files as necessary
• Receive and announce visitors and guests to the credit union
• Fulfill stated financial needs of members and uncover unstated needs using "Sales Strategies" training skills to recommend appropriate deposit, loan and convenience services
• Determine member needs by asking questions; promote and cross-sell services based on members' needs
• Operate on-line computer terminal to access member account information
• Verify and balance cash drawers; assist in verifying cash shipments and orders
• Assist with servicing the coin machine and servicing and balancing the ATM as needed
• Provide in-person and telephone general and specific service-related information
• Perform loan services functions including providing information, interviewing applicants, determining collateral needs and payment plans, reviewing, processing and closing loan applications
• Prepare all loan documents, schedule appointments, disburse funds, and mail notices following federal and Credit Union laws, regulations and policies
• Answer questions and provide information on first and second mortgages
• Assist members with mortgage application process; process applications and follow through to closing
• Assist members in balancing accounts; research accounts for deposit, withdrawal, and loan payment discrepancies
• Provide members with account status, including current balances and loan pay-offs
• Conduct orientation to explain services and programs to new credit union members
• Establish and change direct deposit and payroll deductions
• Make changes to account information as requested (name change, address change, adding/deleting names on joint accounts)
• Perform back office data entry work
• Assist with loan documentation and collection duties as needed
• Participate in training and professional development activities; attend conferences, seminars and workshops as directed by management
• Maintain eligibility and continuing education requirements for licenses required to sell insurance and/or underwrite loans
• Abide by policies, procedures and guidelines including Security, Bank Secrecy Act, Identity Theft and Red Flags, Cash Over/Short Guidelines, Check Cashing and Holds, Confidentiality
• Maintain current understanding of lending regulations and comply with policies including Bank Secrecy Act, Truth in Lending, Fair Lending, RESPA, HMDA, FCRA and the SAFE Act

Requirements

• High school education or GED
• Three to five years of similar or related experience in a credit union or banking environment
• Prior consumer lending experience preferred
• State of Pennsylvania residency required

Skills

• Well-developed interpersonal skills for communicating with members; courtesy, tact, and diplomacy essential
• Intermediate mathematical skills (calculations and concepts involving decimals, percentages, fractions, etc.)
• Ability to work with substantial personal contact with others inside and/or outside the organization for giving or obtaining information, building relationships, or soliciting cooperation

Schedule

40 hours per week. Monday through Saturday availability required.

Work Location

Montandon, PA

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