Heritage Family Credit Union

Job 170004 - Financial Services Representative (Full Time)
Manchester, VT

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Job Details

Location: Manchester, VT
Employment Type: Full-Time
Salary: Competitive

Job Description

**The anticipated branch opening in Manchester, VT is scheduled for April 2018.  The person hired for this position would work out of our Rutland, VT offices until branch opening.**

 

Summary:

This is a service position that provides World Class Member Service to both credit union members and employees. Serves members promptly while representing the credit union in a friendly, courteous and professional manner. Performs a broad variety of transactional duties to serve members. Provide consumer loans including installment, Visa and overdraft line of credit. Duties also include cross-selling products and services appropriate to member needs. Answer questions members may have regarding the credit union's products and services and performs a variety of account maintenance duties. These duties are performed either in person or over the phone.


Essential Functions and Basic Responsibilities:

Respond to and resolve member inquiries and requests regarding their account in a prompt and professional manner.

Open new accounts, both personal and business, including share drafts, share certificates, debit cards, etc. and explain all services offered by the credit union; cross-selling those services which the member may be using at other financial institutions or from which the member may benefit.

Perform other services such as wire transfers, disputes, etc. along with account maintenance. Help members complete paperwork in connection with any fraud against their account.

Educate students through the student service program. Open and explain products including share draft, debit card, Visa and credit builder. Complete questionnaire and letter to parents.

Interview loan applicants for consumer and credit card loans and enter the data into the core system. Pull credit reports, calculate ratios and add comments. Make a recommendation based on loan rating and send to Centralized Lending for approval.

Offer and educate members regarding our debt cancellation, gap and mechanical repair products.

Verify that all forms have been properly signed (plan, application, lien, insurance, etc.) and explained to the member.

Verify vehicle loan information, fund disbursement, title registrations and automobile insurance. Book consumer loans to insure proper documents are completed, follow up on information required to complete the lending process and forward loan documents for review in a timely manner.

Attend training sessions (CUPATs) and complete required training a timely manner. Attend and participate in other group or company meetings as required.

Maintain a clean and well organized work area as well as assist with the office kitchen cleaning duties and contribute to the overall cleanliness of the HFCU properties.

Perform miscellaneous requests, respond to email and phone inquiries, file, fax and mail information. Back-up other FSRs. Assist the Branch Manager or department manager and other department staff as needed.

Requirements

Job Competencies/Requirements:

Handle all information in a confidential and secure manner. Be aware of surroundings when working with member files and when speaking with members, both in person and over the phone, when discussing or gathering personal and confidential information.

Good organizational, communication and business writing skills to exhibit professionalism and deal effectively with internal and external contacts.

Conscientious, comfortable with detail and the ability to be multi-tasked to coordinate and prioritize the workday effectively. Comfortable working under pressure, self motivated and able to work in a team environment.

Ability to understand and monitor compliance functions and responsibilities assigned within a credit union and the ability to stay current in the changing environment of compliance.

Ability to work cooperatively with others to identify, recommend and implement opportunities for increased efficiency.


Education/Knowledge and Experience:

A high school diploma or equivalent. Experience serving within a financial institution preferred. This position typically requires previous teller experience.

Good writing and verbal communication skills and the ability to prepare written documents. Excellent phone skills/etiquette and the ability to communicate clearly and effectively over the phone.

Basic computer knowledge, proficient use of a calculator, keyboard and Microsoft Office products required. Experience with financial institution software systems preferred.


Working Conditions/Environment:

This position requires sitting for long periods of time and working primarily at a workstation or desk in an open office environment. Daily tasks include extensive use of a computer performing standard keyboard functions, requiring repeated motion, as well as extensive use of the phone. Stretching breaks are recommended to avoid injury. Some light lifting and carrying of large paper files. Equipment is available and recommended for use of transporting large quantities of files to and from various locations.


This job description is not a complete statement of all duties and responsibilities comprising this position. Heritage Family Credit Union reserves the right to revise or change the essential functions and employment standards as the need arises. This description does not constitute a written or implied contract of employment.

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