Financial Services Representative - Auburn Hills/Oakland Center Branch
Auburn Hills, MI 
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Job Description
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.

Qualifications

Education
High School (required)

Experience
1 - 5 years: Financial Experience (preferred)
1 - 5 years: Customer Service Experience (preferred)
1 years: Lending Experience (preferred)


Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)

 

Job Summary
Start Date
As soon as possible
Employment Term and Type
Regular, Full Time
Required Education
High School or Equivalent
Required Experience
1 to 5 years
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