Financial Services Representative

About the role

Assists members with financial transactions, including receiving and disbursing cash and other negotiable instruments. Responsible for opening new memberships and accounts, and assisting members with loan applications, processing, and closing of loans within the lending policies of the credit union.

Responsibilities

• Receives and processes member financial transactions, including deposits, withdrawals, and loan payments, and issues negotiable items such as money orders, cashier’s checks, and gift cards to members.
• Processes transfers from member accounts as requested and prepares member wire requests.
• Balances cash drawer daily and maintains security of assigned cash drawer at all times.
• Assists with nightly branch balancing duties and resolves cash drawer discrepancies or posting errors.
• Assists members with opening and closing accounts, ensuring all documents are complete and contain accurate information.
• Identifies member needs, recommends products, and addresses or resolves member problems, inquiries, or complaints.
• Interviews members to determine loan type/product to fit their needs.
• Prepares and reviews all loan documents for completeness and accuracy; schedules loan closing and funding.
• Verifies loan documentation for accuracy, completion, and adherence to policies and procedures.
• Ensures knowledge of all credit union lending policies and procedures, as well as state and federal lending laws, rules, and regulations.
• Ensures loan documents are filed and scanned in the electronic data storage system and forwards them to the appropriate department for filing with applicable providers or state agencies.
• Identifies member needs, offers other credit union products/services, and educates members on ancillary loan products.
• Assists with other branch duties as needed.