Financial Services Specialist - Leander
Summary
Title:Financial Services Specialist - Leander
ID:24
Location:N/A
Description
POSITION SUMMARY 
 
Under general supervision, and in accordance with established policies and procedures, assist members and potential members with their Credit Union needs; explain services, set up new accounts, respond to problems, analyze loan requests and direct members to the appropriate staff person.  This is sales position.  Credit Union sales expectations must be met.
 
ESSENTIAL FUNCTIONS                                                                                                        (E) Essential or (N) Non-essential
 
Assists members with opening and closing accounts, answers questions about products and services and resolves problems that are within approved authority to resolve.  Refers  problems that are beyond their authority to their supervisor, along with a recommendation  for resolution.                                                                                                                                                              

Identifies cross-sell opportunities and cross-sells services to members.                                                                                                                                                                                             
Interviews member loan applicants to develop information concerning their loan needs,  earnings and financial condition.  Explains loan program to members, evaluates their needs and recommends loan options.  Establishes the terms and conditions of an  approved loan and reviews them with the member.                                                                                 

Perform a variety of duties for member services department to include obtaining and ensuring member signatures on all documents.  Maintain assigned records, files and reports as well as assigned administrative responsibilities such as address changes, authorized users, credit limits, share certificate renewals, etc.                                                                                                  
  
Processapproved loans, generating all necessary loan documentation for consumer ensuring perfected liens on all collateral, checking all loans for and home equity/improvement products, posting and funding loan to member, accuracy and completeness at the time of processing to include: review loan application to ascertain that information is complete and accurate;  ensure member has been cross-sold credit life and credit disability insurance; verify payment amount and method; prepare payroll authorization, check for insurance requirements, obtain member signature on all documents where needed.  Process any corrections needed.                                                                                                
                                                                   
Receives and processes member financial transactions, including deposits, withdrawals, and loan payments; transfers amounts from member accounts as directed.  Sells money orders, cashier checks, traveler’s checks, and amusement park tickets.  Accepts U. S. Savings Bonds for paying.  Verifies endorsement, validity, account balances ownership and signature.                           
 
Performs other duties and responsibilities as required or assigned and assists others to complete tasks and work assignments.                                                                                                                                                                       
 
EXPECTATIONS
 
1.  To enthusiastically sell all deposit, loan, and other services to current and prospective members.  Determine, through active listening and asking pertinent questions, the most appropriate service to the member’s specific financial situation and goals. 

2.  Expected to meet specified sales goals.  In addition to generating sales, responsible for expanding relationships through quality member service.  

3.  To provide professional, prompt, efficient and courteous service to members in the area of deposit and loan operations.     
        Members receive top priority over other responsibilities; practice teamwork to eliminate members waiting time.    
        Provide prompt, accurate, courteous, friendly and professional service to all members waiting in the lobby within five minutes. 

4.  To process member transactions with 3% or less error ratio. 

5.  To develop and improve knowledge and skills in Member Service and Lending Areas with test results of 85% or higher.    
        To maintain a working knowledge of the Credit Union’s deposit and loan standards and governmental regulations.
        To gain knowledge of all products with test results of 85%. 

6.  In an atmosphere of trust provide professional, prompt, efficient, courteous and accurate support to the members and branch office in processing of member   deposit and loan accounts; work together as a team with a common goal of excellent service.  Provide timely, respectful, courteous, and accurate service to internal members at service levels set by Credit Union.
 
7.  Complies with all Credit Union corporate expectations such as, but not limited to: maintain member confidentiality, adhere to Attendance and Punctuality Policy, adhere to Credit Union security policies, attend required meetings, training sessions and participate in assigned committees as required.
 
8.  Accomplish all major duties and responsibilities according to Credit Union policies and procedure and federal and state laws and regulations.
      

QUALIFICATIONS 
 
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
 
1.   EDUCATION and/or EXPERIENCE:
 
      High school diploma or equivalent and six months to two years of similar or related experience.  Familiar with standard concepts, practices, and procedures within a particular field.  Relies on limited               experience and judgment to plan and accomplish expectations.  Must be PC literate and able to use Windows 2000 or higher release software withthe ability to learn new software and proficient with common office equipment such as, but not limited to 10-key calculator, copier, fax machine, and telephone.  Must  be able to learn and use the Credit Union's core data processing system for input/output transactions.  Such usage includes, but is not limited to, retrieval of information, printing out individual account documents, inputting data, updating information, special access to certain fields, and general maintenance of credit union records. 
 
      Must be able to perform under stress when confronted with unusual situations in which working speed and sustained attention are critical aspects of the job.  Must display good time management and organizational skills.  Able to handle multiple tasks simultaneously.  Must be able to lift 50 pounds.  Must be able to work on feet for extended periods of time.  Must be able towork a flexible schedule to correspond with variable workload. 
 
2.   REASONING ABILITY: 
 
Diversified procedures, specialized job standards, and specific policies limit the latitude permitted for independent judgment. Ability to collect data, establish facts and draw valid conclusions.  Ability to effectively analyze and make decisions.  Ability to apply common sense understanding to carry out detailed but uninvolved written or oral instructions.  Ability to deal with problems involving a few concrete variables in or from standardized situations.
 
3.   MATHEMATICAL ABILITY:
 
      Ability to work with mathematical concepts such as addition, subtractions, multiplication and division.  Ability to compute ratios, rates and percentages.
 
4.   LANGUAGE SKILLS: 
 
Ability to deliver, understand and apply the English language to problem solving situations.  Ability to exchange information with others clearly and concisely, to present ideas, facts and technical information.  Ability to read, analyze and interpret general technical procedures.  Ability to write and respond to instructions and routine correspondence. Skilled in preparing and maintaining records. 
 
5.   INTERPERSONALSKILLS:
 
Ability to effectively respond to individual members and the general public.  Courtesy, tact, and diplomacy are essential elements of the job.  Ability to listen effectively.
 
6.   ACCOUNTABILITES:
 
Responsible for the accurate and timely completion of all job duties listed in the Job Descriptions in compliance with all Credit Union policies and procedures.  The staff member is expected to follow instructions; receive guidance and supervision; follow work rules, safety practices, work procedures; meet deadlines; observe punctuality and attendance standards, present a professional appearance, cooperative attitude, and pleasant demeanor.
 
7.    PHYSICAL DEMANDS: 
 
Ability to use full range of body motion including manual and finger dexterity and hand-eye coordination.  Regularly required to use the hands to finger, handle, or feel/discern objects, tools, or controls, such as, but not limited to: personal computer, typewriter and 10-key calculator.  Must occasionally lift and/or move up to 10 pounds.  The position requires hearing to normal range.  Specific vision abilities required by this job include close vision, distance vision, peripheral vision, depth perception and the ability to adjust focus.

 
8.   MENTAL DEMANDS: 
 
While performing the duties of this job, the staff member is continuously required to be alert, remember a significant amount of details, concentrate, exercise judgment, read, write, reason, and take initiative to start and complete tasks, and exercise patience.  Problems encountered are relatively simple in nature, requiring some analysis or research to determine the best solution from a limited number of prescribed options.
 
9.   WORK ENVIRONMENT: 
 
Normal office environment where there is little physical discomfort due to temperature, noise and dust.  A staff member may be involved in a potentially hazardous situation (i.e., robbery).  Detailed instructions and procedures are provided to minimize the robbery risk.  Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.
 
INTENT AND FUNCTION OF JOB DESCRIPTIONS: 
 
Disclaimer: Job descriptions are not intended as and do not create employment contracts.   The above information on this description has been designed to indicate the general nature and level of work performed by staff members within this classification.  Only essential functions and basic duties have been included.  Peripheral tasks, only incidentally related to each position, have been excluded. 
 
Requirements, skills and abilities included have been determined to be the minimal standards required to successfully perform the position.  In no instance, however, should the duties, responsibilities and requirements delineated be interpreted as all-inclusive.  Supervisors as deemed appropriate may assign additional functions and requirements.  It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities and qualifications required of staff members assigned to this job. Nothing in this description should be considered as a contract or promise, expressed or implied, to staff members that perform any or all the duties described above.  The Credit Union maintains its status as an at-will employer.  Staff members can be terminated for any reason not prohibited by law. 
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