Member Service Specialist

General Purpose

The primary function of this job is to provide outstanding service to Mid Minnesota Federal Credit Union members by promoting and selling credit union services and products to new and existing members and by fully using job-relevant technical skills, maintaining/updating technical skills and seeking to enhance service skills.

Duties

• Responsible to maintain the highest standards of Integrity, Personal Responsibility, Sense of Community, and Teamwork by self-example within and outside Mid Minnesota Federal Credit Union.
• Responsible for building member loyalty by meeting and exceeding members' expectations.
• Responsible to develop and maintain relationships with credit union members by determining member needs and maximizing all opportunities to sell additional credit union products and services.

Essential Duties/Responsibilities

• Deposit and Member Service Functions:
• Process a variety of transactions for members including but not limited to the opening and closing of accounts including personal and business savings and checking accounts, IRA's, Term Share accounts, etc. Responsible for performing stop payments, researching and balancing accounts, and enrolling member for direct deposits and ACH origination.
• Effectively explain credit union products and services to members.
• Identify sales opportunities through all loan and deposit sources.
• Support loan and deposit growth by working call campaigns that identify pre-qualified members for loan and deposit opportunities as well as uncovering future loan and deposit product needs.
• Seek to achieve sales of products and services that are beneficial to both the member and the credit union in accordance with sales expectations and goals.
• Communicates with members on account usage, account balance and balancing information, inquiries, copy requests, change of address, and similar account usage and administers the appropriate procedures to process the items.
• Opens and closes safe deposit boxes, takes members to their boxes and directs them to the reviewing room, reviews safe deposit procedures for new members, keeps a log of rented and non rented boxes and insures all keys to non-rented boxes are secure.
• Loan Functions:
• Interview applicants to obtain credit information necessary to establish a credit decision, determine the best loan product for the member, sell additional loan products, credit insurance and other services, such as direct deposit, and close loans under set policies, procedures and compliance. Enter the loan application while determining member's creditworthiness and helping the member make the best choices for their situation.
• Assemble credit information received from the credit bureau to assist in the review process. Forward to a Lending Specialist for review. Responsible for processing the application, note, disbursement and all required paperwork in accordance with the credit union loan policies and procedures.
• Follow proper branch procedures to ensure all liens are recorded properly.

Other Duties/Responsibilities

• Researches and prepares reports as requested by management.
• Responsible for the filing of member information. Duties include initiating the filing process and maintaining records of filing. This may be done electronically.
• May be responsible for picking up and dropping off mail at the Post Office.
• Perform other duties as may be assigned by manager.

Job Qualifications

• Working knowledge of the credit union's products and services.
• Working knowledge of organization's policies/procedures and credit union's service philosophy.
• Working knowledge of safety and security program for alarms, robberies, bomb threats and extortion.
• Working knowledge of credit union's in-house computer system.

Physical Considerations

• Vision: Ability to complete necessary paperwork and verify signatures and proper completion of documents by members.
• Speech/Hearing: Ability to communicate verbally and in writing with staff, members and vendors.
• Manual Dexterity: Ability to perform necessary computer-related input.
• Physical Mobility: Limited mobility required. Requires the ability to work flexible hours.

Work Environment/Physical Activities

Job requires limited physical effort. It is basically a desk assignment. The job calls for a high degree of mental concentration to interpret and act upon a wide range of situations. The job requires a high degree of attention to details.