Personal Banker

About the role

BMI Federal Credit Union is a not-for-profit financial cooperative aiming to enhance the financial well-being of its member-owners. For 16 consecutive years, BMI FCU has been recognized as a "Best Employer in Ohio" by the Workforce Research Group.

Responsibilities

• Interview and assist Members in completing consumer loan applications; coordinate loan closings and prepare loan closing documents
• Proactively seek cross-selling opportunities by evaluating Members’ needs, existing loans with other financial institutions found on credit reports, and explaining available credit union services
• Provide loan products to Credit Union Members in a timely and efficient manner
• Perform loan processing activities to include research, verification of employment, and payoffs
• Open new accounts and process necessary forms including but not limited to: Savings, Checking, Individual Retirement Accounts (IRAs), Trust, and Estate
• Create and package all Home Equity Line of Credit (HELOC) files and second mortgage loans
• Issuance of “Instant Issue” debit and credit cards
• Manage all closed accounts that may result in the termination of the Member’s membership
• Assist Members with their Notary or Medallion Signature Guarantee needs
• Manage cash with the Automatic Teller Machine (ATM), Vault, or Cash Dispensing Machines (CDM) when needed
• Assist with any fraud by answering questions, disputing transactions, or changing account
• Answer loan department inquiries such as rates, terms, and car values
• Act as a backup to the Contact Center for call overflow when needed
• Assist managers in operational procedures for opening and closing the branch
• Mentor new Member Service Representatives
• Gather documents, fund and close a consumer loan not secured by real estate
• Aid in MSR relief and process mail payments when needed
• Act as a backup in the absence of the Assistant Branch Manager
• Understand and follow BMI FCU policies and procedures complying with federal regulations including, but not limited to: Bank Secrecy Act; Anti Money Laundering regulations; USA Patriot Act; Office of Foreign Asset Control; Regulation CC; and Right to Financial Privacy Act

Qualifications and Skills Requirements

• High school degree, GED, or equivalent required
• A minimum of 1-3 years of proven related experience; a viable combination of experience and education will be considered
• Ability to work a varied work schedule
• Notary Commission and Certification with STAMP (Securities Transfer Agent Medallion Program) required
• Previous cash handling and customer service experience required
• Mortgage Loan Originator license preferred
• Basic math skills
• Positive, can-do attitude
• Excellent communication (both verbal and written) and interpersonal skills
• Ability to balance multiple tasks and changing priorities with high attention to detail
• Strong analytical and problem-solving skills
• Ability to work effectively in a team environment
• Proficient in Microsoft Office with competencies in Excel, general computer programs, and general office equipment
• Proficient in prioritizing work and completing multiple tasks accurately
• Possess a professional demeanor
• Ability to receive and maintain confidential information

Physical Requirements

• Sit, walk, stand, use hands to manipulate, handle, feel, and control items or equipment
• Reach with hands and arms
• Talk and hear
• See and be able to read, write, and interpret text, spreadsheet, and graphical documents
• Occasionally lift and move objects weighing up to 15 pounds

Benefits

• 401(k) Plan with Company Match
• Paid Time Off & Paid Holidays
• Medical, Dental, and Vision Insurance
• Robust Wellness Program
• Life & Disability Insurance
• Education Assistance
• Generous Health Reimbursement Arrangement (HRA) Funds
• Employee Assistance Program (EAP)

Work Environment

Office environment