Financial Service Representative

*POSITION PURPOSE* The Financial Service Representative (FSR) is a dimensional and critical role and major contributor to a team dedicated to making a difference in our community.
Will provide maximum flexibility in your ability to meet and exceed our member’s needs.
The FSR must be flexible and willing/able to migrate between tellering, member services, and all lending platforms seamlessly.
An ideal candidate will be able to work as part of a team to maximize revenue growth in an effort to meet or exceed personal and branch goals.
As member and branch needs dictate, the FSR performs; contact center, Teller, MSR, and Consumer Lending functions as well as mortgage inquiries.
This role requires a strong ability to professionally and effectively communicate (in-person, via phone, and via email) with prospective and current members on a broad range of situations.
The FSR must possess knowledge of all Credit Union products and services and be able to explore member needs, listen for clues, and provide solutions that meet their financial management and credit needs.
*HOURS* Monday, Tuesday, Friday 7:15am-3:30pm Wednesday 8:15am-3:30pm Thursday 7:15am-4pm Hours listed above equal a 38 hour work week (Generally you will be in the office 15-30 minutes after closing to complete balancing and end of day procedures, so it is likely that you will work over 38 hours) Saturdays-Our office is closed on Saturdays; however, we may work on Saturday on an as needed basis or for special projects.
*LOCATIONS* Portsmouth, VA (23707) *ESSENTIAL DUTIES AND RESPONSIBILITIES* · Greet and welcome members to Summit Hampton Roads FCU (SHRFCU) in a courteous, professional, and timely manner, and provide prompt and accurate member transactions.
· Maintain an up-to-date and comprehensive knowledge on all SHRFCU products and services.
This includes the ability to present and explain SHRFCU products and services to members as appropriate or refer the member to a team member for assistance.
· Open a variety of deposit accounts, resolve member issues, manage account maintenance, and update member information as required.
· Identify potential consumer loan solutions that meet the borrowers financing goals and increase the borrower’s relationship with the Credit Union.
· Receives, reviews, and processes related paperwork for all completed loan applications.
Follows up on paperwork after loan approval to ensure its completeness and accuracy.
Discloses loans with members after approval, and effectively sells add-on products including warranty, Gap, and credit insurance.
· Evaluates and verifies loan applications and credit criteria.
Computes debt ratios.
Verifies employment and income.
Determines value of collateral.
Requests additional information if required.
· Answer phones and assist members with inquiries or professionally redirect call to the appropriate staff member.
· Explore member needs and build relationships with members to assist them with their requests, suggest additional products and services that would benefit the member, close the sale and follow up periodically to maintain and enhance the member relationship.
· While on the phone or in branch, accurately process a variety of teller, member service or loan transactions following the Credit Union’s policies and procedures and maintain teller balancing standards.
· When working on the teller line will balance cash drawer at the end of the shift to computer generated balance sheet.
Research and resolve discrepancies.
Report any discrepancy to available management, as necessary.
· Maintain an up-to-date and comprehensive knowledge on all related policies, procedures, rules and regulations, and BVS training to include robbery procedures.
· Completes verification of deposits · Handles online loan and membership applications · Contacts members who send emails via Home Banking.
· Perform other duties as deemed reasonable.
*PERFORMANCE MEASUREMENTS* 1.
FSR functions are efficiently, effectively, and accurately performed in accordance with established policies, standards, and security procedures.
2.
Monies are balanced and any discrepancies are promptly resolved in accordance with the Credit Union’s Teller Over/Short Policy.
3.
Good business relations exist with members.
Members' concerns or questions are courteously and promptly resolved.
4.
Good working relationships and coordination exist with staff and with management.
Assistance is provided to other staff as needed.
Management is appropriately informed.
5.
As required, reports and records are accurate, complete, and timely.
6.
The Credit Union's professional reputation is maintained and conveyed.
7.
Equitable contribution is made toward meeting and exceeding the goals and vision of the Credit Union.
*QUALIFICATIONS* *Education and/or experience: *Minimum of high school diploma or equivalent.
Minimum of 1 year of appropriate cash handling and 1 year of customer services experience.
Must be able to be actively registered with the Registry (NMLS) *TECHNICAL SKILLS TRAINING: *Adequate computer literacy including proficiency in Microsoft Office applications, such as Word and Excel.
*OTHER SKILLS/ABILITIES: *Strong people skills, comfortable multi-tasking, ability to work independently, AND as a member of a team, capable in a relationship focused sales environment.
Job Type: Full-time Pay: $17.
00 per hour Expected hours: 38 – 40 per week Benefits: * Health insurance * Paid time off Schedule: * 8 hour shift Work Location: In person