Financial Services Representative

Founders Federal Credit Union helps our members attain their financial goals. Our innovative services, convenient locations, and friendly employees are dedicated to our members and their financial future. We are in search of an enthusiastic, sales-focused individual who can work independently, grasp new concepts quickly, and retain information. The ideal candidate will be courteous, professional, have a positive attitude, and be dependable. Reliable transportation is required for on-site work at local offices. Initial and supplemental training will be completed at a training center in Lancaster, SC, or Rock Hill, SC.

Responsibilities

• Counsel and cross-sell members on all services offered by Founders, including making decisions on loans as specified in the Loan Originator section of Loan Policy.
• Understand and explain new eligibility requirements for membership.
• Open new accounts (savings, checking, money management, etc.), perform account maintenance, order checks, and assist members with service-related problems.
• Recognize and cross-sell Founders products and services, including Call 24, Online Banking, Mobile Banking, eStatements, Visa Debit/Credit Cards, and ATM cards.
• Establish share certificates and IRAs, counsel members on features and benefits, process account maintenance, and stay updated on relevant regulations.
• Maintain an individual cash box and comply with all regulatory and procedural guidelines for transactions.
• Handle plastic card maintenance in-branch, including processing applications, issuing cards, blocking cards, changing PINs, and troubleshooting issues.
• Interview loan applicants, interpret credit reports, and cross-sell Founders loan products, including additional products like GAP, extended warranties, and payment protection.
• Refer members to Founders Investment and Insurance Service agents.
• Approve loans within Matrix Lending authority guidelines and seek further approval for requests exceeding set limits.
• Maintain complete knowledge of Founders’ Loan Policy, loan programs, and procedures.
• Assist with the collection of delinquent accounts.
• Verify secured loans have properly recorded liens, insurance verification, and necessary values before closing.
• Work in various offices as needed.
• Comply with Founders’ policies, procedures, and applicable laws/regulations (e.g., NCUA, FFIEC, GLB, BSA).
• Protect member privacy and ensure information integrity and confidentiality.
• Encourage a positive member experience to create financial opportunities and improve quality of life.
• Perform all other assigned duties.

Requirements

• Minimum two years of experience in a financial institution handling complex member issues, or two years of customer service experience.
• Associate degree (2-year degree).
• Strong interpersonal and communication skills, with the ability to build positive relationships with members.
• Ability to work efficiently, accurately, and independently in a fast-paced environment.
• Proficiency with computer systems and ability to learn new software.
• Bilingual (English/Spanish) applicants strongly encouraged to apply.
• Must be available Monday–Thursday 8am–5pm, Friday 8am–6pm.

Benefits

• Hourly paid position with monthly performance-based incentives.
• Paid holidays and paid time off.
• Family-oriented culture valuing work/life balance.
• Retirement Plan (401k with employer contributions + Pension Plan fully funded by FFCU).
• Comprehensive health and dental insurance.
• Life and Accidental Death & Dismemberment Insurance (at no cost to employee).
• Voluntary Supplemental Life Insurance for employee, spouse, and children.
• Health Care and Dependent Care Flexible Spending Accounts.
• Long-Term Care Plan.
• Short-Term and Long-Term Disability Insurance.
• Tuition reimbursement for furthering education.
• Assistance with achieving and maintaining certifications.
• Fit Founders Wellness Program.

A pre-employment criminal background check, drug screen, consumer credit investigation, and previous employer reference check will be required.