Financial Service Representative

GENERAL SUMMARY
The position of Financial Services Representative requires an individual with excellent member service and communication skills.  The FSR must be a team player and possess a solid and broad knowledge base of the credit union's products and services.  

 

ESSENTIAL FUNCTIONS

• Greet and welcome members and visitors to the credit union in a professional manner. Represent the credit union to members in a courteous manner following the credit union's Member Service Standards and provide prompt, efficient, and accurate service in the processing of transactions.
• Perform all routine teller transactions, including but not limited to deposits, withdrawals, loan payments, transfer and check cashing.
• Respond and resolve member requests, discrepancies, problems, and complaints. This may involve research and communication with other employees from other departments.
• Meet with existing and new members and open the full range of products and services offered by the Credit Union according to Credit Union policy and procedures. 
• Send adverse action notice for denied accounts.
• Perform all routine teller transactions, including but not limited to deposits, withdrawals, loan payments, transfer and check cashing.
• Provide information about the various products and services to new members, existing members and potential members.
• Process requests from members for transfers of shares, address changes, statement copies and other requests received from members.
• Assist members in reconciling their accounts.
• Accept and process stop payment requests.
• Gather information for ATM/Debit Card and ACH fraud.  Complete reports and send to appropriated departments for processing.
• Assist members on matters involving direct deposit, payroll deduction, and electronic transaction; complete required forms and forward to proper department.
• Process new and renewal of certificates of deposits (CDs) and Individual Retirement Accounts (IRAs) according to credit union policy and procedures. 
• Process IRA withdrawals, deposits, change requests, etc. according to credit union policy and procedures. 
• Close accounts per member's request.
• Redeem U.S. Savings bonds.
• Sell Gift Cards and Travel Cards, event tickets (maintaining and balancing the ticket and candy supply and funds.)
• Cross-sell credit union products and services that will benefit members.
• Process outgoing and incoming wire transaction requests. 
• Answer phones and assist members with transactions and questions.
• Order and redeem foreign currency.
• Initiate and complete necessary processing on accounts for deceased members.
• Assist the Support Center with member service transactions and back-up to phone calls when needed.
• Float to other branches as needed.
• Use Synapsys for functions and procedures set by the credit union.
• Maintain current knowledge of and compliance with all Credit Union policies and procedures, including compliance with the Bank Secrecy Act and all federal laws and regulations as set forth by the NCUA and other regulatory agencies.

NOTE:  The list of essential functions is not exhaustive.  It may be supplemented as necessary.

JOB SPECIFICATIONS

• Professional, well-developed interpersonal skills necessary for interacting with members, store employees and store customers.
• Completion of high school education.
• Six months experience in a sales/service role within the financial services industry, teller or other types of retail businesses.
• Requires strong sales skills or the willingness to learn sales skills in order to meet monthly sales goals.
• Requires a positive attitude, charismatic personality and proven leadership skills.
• Must be able to display adaptability and flexibility in a rapidly changing retail branch environment.
• Intermediate mathematical skills required (calculations and concepts involving decimals, percentages, fractions, etc.)
• Requires PC proficiency and knowledge of Microsoft Office.
• Excellent verbal skills.
• Travel to other branches and/or trainings may be required.

PHYSICAL REQUIREMENTS

Sitting = Frequent                                                   Crawling = Occasional
Standing = Frequent                                               Climbing = Occasional
Walking = Frequent                                                 Balancing = Occasional
Driving an automobile = Occasional                       Reaching Overhead =Occasional
Lifting/Carrying = Occasional                                  Reaching Forward = Occasional  
           Amount of Weight = 25 to 50 lbs.                 Kneeling = Occasional
Squatting = Occasional                                           Push/Pull = Occasional
Bending = Occasional                                             Twisting = Occasional

 

DISCLAIMER
The above information on this description has been designed to indicate the general nature and level of work performed by employees in this classification.  It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities and qualifications required of employees assigned to this job.