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California Credit Union · 2 months ago

Personal Banker/Financial Services Representative (Valencia)

Santa Clarita, CA

Full-time

Onsite

Entry, Mid Level

$22/hr - $28/hr

2+ years exp

California Credit Union is a financial institution seeking a Financial Services Representative to enhance member satisfaction through high-quality sales and service. The role involves opening new accounts, securing loans, and cross-selling Credit Union products while maintaining compliance with regulations and achieving sales goals.

BankingFinancial ServicesNon Profit

Responsibilities

Develops member relationships by providing high-quality sales and service to each individual member and works with new and existing members to identify their financial needs, and assists them in the selection of the appropriate financial products and services

Provides an exceptional service experience consistent with Credit Union standards; resolve member complaints quickly and accurately; responds to member inquiries on the phone and in person

Provides timely closing of loans through consistent follow-up of loan approvals

Directly responds to member’s inquiries timely and accurately via telephone, mail, email, or an internal referral

Develop, expand and retain member relationship in order to increase member satisfaction

Adhere to CCU's Member Experience Playbook, SLA’s and Corporate initiatives

Follow the retail branch's escalation process

Explains account type, product, or service to member

Has thorough understanding of all credit union digital products and assists members in establishing all electronic services such as online banking, mobile banking, mobile deposits, direct deposit, bill pay, and etc

Interviews member to determine appropriate product/account/service to establish

Complies with all positive identification regulations for establishing new account holders

Analyzes existing account relationships in order to identify potential services and/or account sales opportunities

Generates outbound telemarketing calls; identifies member needs and promotes appropriate credit union products and services. Utilizes sales skills to source for new account relationships

Generates and closes identified sales opportunities with new and existing members to include the solicitation of loans, new accounts, and other credit union products and services

Develops and maintains a follow-up program for expanding multiple account relationships

Opens basic Business accounts, Fiduciary, Trust Accounts, IRAs and HSA. Completes all tasks required to establish and service the accounts

Recommends appropriate products and services to members

Conducts interview with members relating to loan request

Cross-sells consumer loan protection products and services

Reviews documentation and forwards to Consumer Lending for review and approval on loans that are not system-approved

Communicates the loan disposition to member (approved, counter-offer, denied)

Creates loan documents and obtains member signature(s)

Disburses new loan and completes follow-up tasks

Discusses and refers Business Loans

Completes tasks and responsibilities relating to enhancing member relationships to increase member service

Develop existing and new member relationships – expanded client base thru business development, on-sites, and community and networking events

Attends onsite events

Ensures compliance with all applicable laws, regulations, and Credit Union policies and procedures as they relate to assigned products, including, but not limited to, Truth In Savings and Fair Credit Lending Practices

Participates in all assigned staff development programs in support of the Credit Union's commitment to continuous improvement in sales and service, quality, and teamwork

Must consistently report to work on time, as scheduled

Complete all BAI trainings and classroom courses

Performs other duties as assigned

Qualification

SalesService resultsNew accounts knowledgeConsumer loan originationCommunication skillsTime managementOrganizational skillsCustomer serviceSales techniquesPC proficiency

Required

Strong communication (written and verbal)

Provide excellent member service both internally and externally

Proven sales and service results

Strong time management and organizational skills

High School education or equivalent

Knowledgeable in new accounts and lending policies and procedures

Solid knowledge of sales and referral technique a must

Working knowledge of personal computers also required

Requires two to three years of financial institution experience in New Accounts, Sales and Consumer Loan origination to gain the necessary knowledge, skills and abilities to handle all aspects of the position or equivalent