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Financial Services Representative

Company: Michigan State University Federal Credit Union
Location: East Lansing
Posted on: May 18, 2019

Job Description:

Essential Duties and Responsibilities

Branch Employees



  • Assist members in a friendly, professional manner, and support the Credit Union's mission statement
  • Demonstrate flexibility and a positive attitude when faced with complex situations
  • Analyze, research and resolve problems and discrepancies
  • Use knowledge and judgment to protect members and the Credit Union from loss
  • Understand and comply with federal and other regulations relating to financial products and services as well as MSUFCU policies and procedures and regulations pertaining to the Bank Secrecy Act
  • Follow safety and security procedures regarding robbery and emergency situations, third party access to secure areas, and communicate suspicious activity to management.
  • Participate in training activities to ensure compliance with Credit Union policies, state and federal regulations
  • Manage time efficiently and take initiative within the branch; seek opportunities to develop or enhance knowledge
  • Actively participate in Credit Union initiatives and promotions and achieve assigned financial service goals
  • Take on risk and utilize lending and disbursal limits commensurate with level
  • Counsel current and prospective members about Credit Union products and services
  • Perform other duties and assist fellow employees, as assigned


    Financial Services Representative I:


    • Process basic member transactions and maintain a balanced cash drawer; utilize proper cash handling procedures
    • Complete member requests and transactions with accuracy
    • Establish relationships with members and seek opportunities to offer products and services
    • Record detailed notes to document member interactions, complex situations, and transactions to minimize lapses in employee communication or member service
    • Manage the traffic flow of members with a sense of urgency to provide minimal wait times
    • Answer calls in a timely and professional manner
    • All of the Branch Employees duties and responsibilities


      Financial Services Representative II:


      • Develop a basic knowledge of consumer loans, new account applications, IRAs, and specialty accounts with support from others
      • Process new account applications and offer additional products and services
      • Interview members and ask detailed questions to offer solutions that balance member needs with Credit Union risk
      • Communicate with members through the new account onboarding process and actively follow up to secure loan funding and discuss additional products and services
      • Document new account and loan applications using detailed notes to support a recommendation
      • Assist members by phone in a friendly and professional manner
      • Demonstrate accuracy to ensure member satisfaction
      • Troubleshoot and resolve issues with recyclers and coin machines
      • All of the All Branch Employees and FSR I duties and responsibilities


        Loan Officer I:


        • Take ownership of complex transactions with confidence, knowledge, and creativity
        • Approve and process consumer loans, new accounts, IRAs, and specialty accounts independently while making recommendations for counteroffer or denial
        • Provide financial education to assist members with solutions to achieve their financial goals
        • All of the All Branch Employees, FSR I, and FSR II duties and responsibilities


          Loan Officer II:


          • Become a known resource throughout the branch by assisting members and coworkers with greater depth of knowledge of products, services, and procedures including IRAs and specialty accounts
          • Develop basic knowledge to process, review, and close home equity loans
          • Provide signature guarantee services and ensure requests have all required documentation
          • Review member applications and provide decision-making assistance to coworkers
          • Share knowledge and present ideas gained from opportunities such as collaborative groups, committees, and department shadows
          • All of the All Branch Employees, FSR I, FSR II, and Loan Officer I duties and responsibilities


            Loan Officer III:


            • Process, approve, and close home equity loans independently
            • Assist members and coworkers with greater depth of knowledge of products, services, and procedures, becoming a known resource throughout the branches
            • Assist with training others in the branch




              • Recognize and seek opportunities to assist others with complex issues
              • Develop, monitor, and garner participation for branch promotions to support Credit Union goals
              • Lead and actively support others through trainings, promotions, decision-making, and risk assessment
              • Identify opportunities and make suggestions for process improvements
              • Support Credit Union direction while helping others understand the purpose
              • Engage and motivate peers in achieving personal and branch goals with a supportive strategy
              • Act as in-charge person within the branch in the absence of management
              • All of the All Branch Employees, FSR I, FSR II, Loan Officer I, and Loan Officer II duties and responsibilities


                Senior Loan Officer:


                • Apply and share advanced knowledge of consumer loans, new accounts, and specialty accounts independently while actively mentoring others to do the same
                • Assist members and coworkers with greater depth of knowledge of products, services, and procedures, being a known resource throughout the Credit Union
                • Assume risk and utilize lending limits commensurate with level while actively guiding coworkers in decision-making
                • Handle member complaints and take appropriate action to resolve them
                • All of the All Branch Employees, FSR I, FSR II, Loan Officer I, Loan Officer II, and Loan Officer III duties and responsibilities


                  Knowledge, Skills and Abilities

                  Financial Services Representative:


                  • Effective communication skills
                  • Interpersonal skills
                  • Analytical skills
                  • Typing skills with emphasis on accuracy
                  • Math and general clerical aptitude
                  • Sales skills
                  • Ability to multitask and prioritize
                  • Attention to detail
                  • Possess knowledge of Credit Union systems, products, services and procedures
                  • Reliability and dependability




                    • Conflict resolution skills




                      • Completion or pursuit of Bachelor's degree preferred


                        Financial Services Representative II:


                        • Advanced sales skills with the ability to demonstrate these skills to others
                        • Functional knowledge of Credit Union systems, products, services and procedures
                        • Develop an understanding of risk management
                        • All of the FSR I knowledge, skills, and abilities
                        • Knowledge of credit reports, interviewing and information gathering for underwriting decisions, Credit Union lending policy and guidelines, and state and federal regulations


                          Loan Officer I:


                          • Advanced analytical skills
                          • Strong sales skills with the ability to develop these skills in others
                          • Possess an understanding of risk management




                            • Advanced knowledge of Credit Union systems, products, services and procedures
                            • All of the FSR I and FSR II knowledge, skills, and abilities


                              Loan Officer II:


                              • High level of sales skills with the ability to develop these skills in others
                              • Comprehensive knowledge of Credit Union systems, products, services and procedures
                              • Leadership skills to mentor and train others
                              • Demonstrate independent thinking and an understanding of risk management
                              • Work independently and meet deadlines with minimal supervision
                              • All of the FSR I, FSR II, and Loan Officer I knowledge, skills, and abilities


                                Loan Officer III:


                                • Ability to work and effectively collaborate in a group setting
                                • Proven ability to make complex decisions and mentor others to do the same
                                • Demonstrate the ability to motivate and influence others
                                • Expert knowledge of credit reports, interviewing and information gathering for underwriting decisions, and a proven history of good lending and member service decisions




                                  • Ability to handle and resolve conflict
                                  • Leadership skills to maintain branch operations in the absence of management
                                  • Ability to present information effectively to the branch employees and others
                                  • All of the FSR I, FSR II, Loan Officer I, and Loan Officer II knowledge, skills, and abilities


                                    Senior Loan Officer:


                                    • Contribute to employee development and culture throughout the branch network




                                      • Ability to apply holistic understanding of credit union strategies and overarching vision
                                      • All of the FSR I, FSR II, Loan Officer I, Loan Officer II, and Loan Officer III knowledge, skills, and abilities


                                        Physical Demands and Work Environment


                                        • Required to sit, stand, walk; talk and hear; and interact with office equipment.
                                        • Ability to lift up to 50 pounds.
                                        • Normal office environment where there is minimal discomfort due to temperature, dust, noise and other factors.
                                        • Exposure to potentially hazardous condition, i.e. robbery. Receives detailed instructions and procedures to be followed to minimize the exposure.



                                          Requirements


                                          • Financial Experience
                                          • Customer Service Experience
                                          • Lending Experience

Keywords: Michigan State University Federal Credit Union, East Lansing , Financial Services Representative, Sales , East Lansing, Michigan

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