Summary

PRIMARY OBJECTIVE OF POSITION

Responsible for establishing new and increasing existing member account relationships through sales and referrals. Serves as an initial sales and service contact for new and existing members.

ESSENTIAL JOB FUNCTIONS

SALES

• Providing a consultative sales approach to meet our member's financial needs by proactively identifying opportunities to cross-sell and up-sell beneficial products and services.
• Fostering a teamwork attitude to ensure all credit union goals and objectives are achieved.
• Consistently meet or exceed sales goals as set by management by effectively and efficiently cross-selling credit union products and services to both current and potential members.
• Responsible for referring sales opportunities to other lines of business.
• Complete loan review to include recommendation of decision and forward to underwriters for decision.
• Communicate loan decisions with members

SERVICE

• Maintains excellence in delivering member service and exceeding the credit union and department service standards.
• Perform daily responsibilities along with knowledge of opening and closing accounts, debit cards, servicing members, processing loans, processing stop payments, wire transfers, placing check orders, processing special instructions on accounts and performing general file maintenance.
• Authorizing, approving, and researching transactions; performing overrides, approving check holds, and making check cashing decisions
• If applicable, provide access and servicing to safe deposit box for members.

BRANCH SUPPORT

• Provide assistance at other locations which includes travel to and from other branch locations within region.
• Consistently takes initiative and utilizes sound judgment in decision-making and higher-level problem solving, up to and including lending decisions and/or authority.
• Fosters a team environment with the ability to interact well, and in a positive manner with branch staff.

COMPLIANCE & REGULATIONS

• Maintain accurate data entry in regards to member records, maintenance, and transactions; have the ability to find and correct errors.
• Ensure the protection of the credit unions interest in matters of adequate documentation; includes but limited to: loan, title work, and account packets.
• Adherence to security, internal control procedures, policies and applicable laws and regulations.
• Adhere to mandatory compliance, product, and credit union training.

All other duties as assigned.

RELATIONSHIPS AND CONTACTS

Reports To: Roaming Branch Manager

Contacts: Frequent contact with members and other departments face to face and by telephone.

Qualificaions

EDUCATION

Requires a High School Diploma or GED

EXPERIENCE

Two (2) years of experience in assessing and meeting customer/member needs through customer service and cross-selling/upselling products and services, with at least 1 of those years in lending origination is required. Banking or Credit Union experience preferred.

PHYSICAL

Position involves wrist/hand manipulation; restriction to work station for extended periods of time. May be required to stand for extended periods of time. Vision abilities required by this job include close vision for frequent viewing of computer monitor and review of documents. Communication abilities required by this job incudes clarity in speech and hearing for effective staff/member interaction. Must be able to drive a vehicle and have a valid drivers license in order to travel to other locations as scheduled or needed.

MENTAL

Must be able to perform job functions independently or with limited supervision and work effectively either on own or as part of a team. Must have a strong ability to read and carry out various written instructions and follow oral instructions. Must have a strong ability to speak clearly and deliver information in a logical and understandable sequence. The ability to anticipate member needs, initiate assistance, make recommendations of appropriate products/services. Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public. Must be able to perform responsibilities with composure under the stress of deadlines/requirements for extreme accuracy and quality and or fast pace. Must be able to effectively handle multiple, simultaneous, and changing priorities. Must be capable of exercising highest level of discretion on both internal and external confidential matters.

EQUIPMENT SKILLS

Personal computer with windows environment, scanner, teller cash machine, cash advance machine, calculator, copy machine, Debit card imprinter.

The above statements reflect the general details considered necessary to decide the principal functions of the job identified and shall not be construed as detailed description of all work requirements that may be inherent in the job.