Financial Service Representative 1 or 2 (Personal Banker) - Downtown Branch

Description

SUMMARY:

This role is dedicated to enhancing lives, fulfilling dreams, and building communities. Working under supervision, you will provide recommendations to meet member needs through credit union products and service referrals. Your responsibilities include meeting individual and branch sales goals, opening new accounts, verifying and maintaining existing accounts, answering members’ questions, and resolving account-related issues, all while deepening our member experience with exceptional service.

The position requires a broad knowledge of various account ownership types, classifications, and a comprehensive understanding of credit union services to financially educate and provide a need-based recommendations for members. Within authority and while adhering to sound underwriting practices as outlined in policies and procedures, you will examine, evaluate, and recommend approval for credit applications, extension of lines of credit, consumer loans, small business loans, and credit card accounts. Effective communication with prospective and current members, as well as the ability to positively and professionally represent the credit union, is essential.

ESSENTIAL DUTIES AND RESPONSIBILITIES include but not limited to the following. Other duties may be assigned. To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions. Contributes to the organization's mission statement and goals by providing the highest quality of service, treating each person professionally - with warmth, courtesy and respect, cross-selling additional services, and making a personal effort to make members feel they belong and are important to the credit union.

Sales Focus:

• Demonstrated ability to deepen relationships with members by offering products/services that meet their needs, goals and create a full financial services relationship as their trusted advisor.
• Responsible for pro-actively soliciting, developing and maintaining member account relationships. Act as a relationship manager to existing members, cross selling the full range of Numerica Credit Union financial products and services meeting the members’ financial goals.
• Tracks and measures current and prospective lending opportunities with regular member contacts regularly with focus refining pipeline management for future closed sales through referrals and member relationship management system in accordance to Numerica standards and increasing the credit unions portfolio.
• Consistently meets or exceeds individual/branch sales goals and year-end commitments assigned for loans, deposits, other credit union services and insurance products.
• Demonstrated ability to analyze additional potential lending opportunities with each member engagement to further assist in meeting the borrower’s financial goals, while increasing the credit union’s lending portfolio.

Transactional:

• Welcome, listen to, and proactively assist members with existing account and consumer loan maintenance inquiries and teller transactions.
• Open new accounts, verify and maintain existing accounts, and address members’ inquiries and account related issues. While delivering exceptional member satisfaction, provide tailored solutions to meet members’ needs through credit union product and service referrals with minimal to no errors.
• From initiation of application to closing, analyze applicant financial status, credit and collateral to determine feasibility of granting loan, submits application to underwriters for verification and recommendation, connect with member on loan status within lending timeline and close loan.
• Responsibilities include, however are not limited to: opening, closing and servicing consumer, business and advanced accounts.

Member Support:

• Financially educates and recommends appropriate consumer loan products after interviewing members, accepts complete loan applications with required supporting information, which may be in person, over the phone, electronically or via video.
• Analyzes applicant financial status, credit, and collateral to help determine feasibility of granting loan and submits application to underwriters for verification and recommendation to process, fund and close the sale.
• Analyzes additional products, services and lending opportunities with each member interaction to further assist in meeting the borrower’s financial goals, while increasing the credit union’s lending portfolio.

Relationships/Behavior:

• Foster partnerships across all Numerica lines of business leading to an exceptional and consistent member experience.
• Internal resource and support for new and current team members to support individual and branch goals, consistent to Numerica Credit Union standards.
• Ability and drive to seek internal and external development opportunities with limited direction.
• Maintain knowledge of and adhere to all compliance and regulatory standards including internal/external policies and BSA regulation.
• Effectively incorporates Numerica’s CARES Principles in daily behaviors and interactions:
• Connect – Create a welcoming, energized, and warm environment
• Ask – Discover and confirm others’ needs to ensure they feel understood and known
• Resolve – Take personal and full responsibility for meeting others’ needs
• Elevate – Commit to long-term personal and organizational growth and improvement
• Strengthen – Invest in our Numerica community and beyond.

Other job responsibilities assigned, as needed.

PERFORMANCE STANDARDS:

Must fully understand credit union products and services and be able to assist members to use these products and services. Must be able to achieve individual product, service and sales goals. Ensure member transactions are performed in a timely, effective and accurate manner. Be knowledgeable of Credit Union policies and procedures. Cooperative and positive attitude toward members and credit union team. Professional appearance and demeanor.

FSR 1 - EDUCATION and/or EXPERIENCE:

Minimum: High school diploma or general education degree (GED); plus, one to three years’ related experience and/or training or equivalent combination of education and experience. Ability to learn credit union’s computer system for performing basic input/output tasks.

Preferred: Experience in a sales-oriented role, particularly within the financial services industry. Understanding of lending principles, and sales with various loan products, such as personal, auto, mortgage, and business loans. Relevant training in a credit union, bank or other financial institution. Previous or current Numerica mentoring experience.

FSR 2 - EDUCATION and/or EXPERIENCE:

Minimum: High school diploma or general education degree (GED); plus, two years’ related experience and/or training or equivalent combination of education and experience. Ability to learn credit union’s computer system for performing basic input/output tasks.

Preferred: Experience in a sales-oriented role, particularly within the financial services industry. Understanding of lending principles, and sales with various loan products, such as personal, auto, mortgage, and business loans. Relevant training in a credit union, bank or other financial institution. Previous or current Numerica mentoring experience.

LANGUAGE SKILLS:

Ability to read and comprehend instructions, short correspondence and memos. Ability to write correspondence. Effectively present information in one-on-one situations to members, potential members and other employees of the credit union.

INTERPERSONAL SKILLS:

Courtesy, tact and diplomacy are essential elements of the job. Work involves personal contact with others inside and/or outside the organization, generally regarding routine matters for purposes of giving or obtaining information, which may require some discussion.

CERTIFICATES, LICENSES, REGISTRATIONS:

NMLS certification will be required. Notary Public license required.

OTHER SKILLS and ABILITIES:

Ability to operate general office machines and equipment such as photocopier, fax, adding machine and computer. Skilled in software used in Credit Union such as Microsoft Word, Excel, Outlook and Symitar. Ability to lift up to 25lbs. Must be able to sit or stand for extended periods of time.

The job description doesn’t imply an employment contract, nor is it intended to include every duty, task or instruction for which the employee is responsible. Other tasks may be assigned, based on business need and at Management’s request.

Numerica Credit Union Benefits and Perks -

https://www.numericacu.com/globalassets/images/pdfs/employee-benefits-summary-numerica.pdf

Requirements

Numerica Credit Union is an Equal Opportunity/Affirmative Action Employer

Numerica Credit Union provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.

If you are a qualified individual with a disability or a disabled veteran, you have the right to request a reasonable accommodation for purposes of participating in the application/hiring process with Numerica Credit Union. If you are unable or limited in your ability to use or access Numerica Credit Union’s career page at www.numericacu.com as a result of your disability, you can request reasonable accommodations by reaching out to your recruiter.