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Ascend Federal Credit Union · 2 days ago

Hendersonville Financial Services Officer

US-TN-Hendersonville

Full-time

Onsite

Entry Level

1+ years exp

Ascend Federal Credit Union is the largest credit union in Middle Tennessee and one of the largest in the United States, focusing on the expansion and diversification of its member services. The Financial Services Officer will develop new business by promoting credit union services, ensuring high-quality member interactions, and handling various account and loan services.

BankingConsumer LendingFinanceFinancial ServicesLendingRetirement

Responsibilities

Provide consistent, courteous and personal service to members. Communicate with all AFCU members, employees and staff in a friendly, professional manner

Analyze member needs, match products/services to maximize member relationships with the credit union with an effort to increase member wealth, knowledge and financial stewardship

Open consumer account types, youth, certificates, IRAs, Coverdell, HSAs, etc. and explain various accounts and ownership options. Prepare necessary documentation and complete transaction

Demonstrate the use of automated services (includes: ITM orientation and troubleshooting, Online Banking, Bill Pay and ATM assistance as needed) to new and existing members in order to increase the percentage of members oriented to automated services

Open new accounts, revise existing accounts, complete direct deposit requests and internal transfers, and update the account accordingly

Complete in-house Certified Credit Union Financial Counselor program. Provide financial counseling to members as needed

Obtain documentation for business account requests and refer account to business account specialists

Recognize and refer mortgage leads to the mortgage department

Complete transactions such as deposits, withdrawals, loan payments, check cashing, cash advances, cashier's checks, VISA gift/travel money cards and US Savings bond redemption for the member as appropriate

Investigate member account problems or complaints and make determinations on refunding fees and charges; provide your recommendations to the Branch Manager as warranted by the circumstances

Rent safe deposit boxes, complete initial documentation and collect initial rent payment, allow member access to safe deposit box as assigned by the manager

Issue instant issue cards via card wizard instant issue system

Perform all maintenance to accounts after opening, order/reorder member checks, wires, process stop payment requests, process fraud/theft claims, order copies of member records, close accounts

Make outbound calls

Provide notary and/or signature guarantee services

Properly process all requests utilizing all automated systems of the credit union

Accept garnishments and levies as served and submit for processing, if approved by the manager

Responsible for specific, measurable branch goals for deposits, loans, debt protection, GAP and MMP

Responsible for cross offering services and making referrals for goal attainment based on the credit union’s strategic plan

Assist with business development contacts that may include onsite visits to potential and existing SEGs

Refer potential SEGs to marketing for follow up

Interview consumer loan applicants, explain loan options, rates, terms, and collateral requirements, prepare all necessary documents, obtain employment and upload proof of income, obtain credit report – assess member needs and cross-sell credit union services based on business that can be obtained from the credit report and from member cues, finalize loan and disburse funds

Effectively communicate with underwriters who decision loans

Properly notify member of loan decisions, follow-up on any approved loan to assure disbursement, including closing of approved Home Equity Lines of Credit

Maintain up-to-date knowledge of all aspects of the credit union’s loan products including origination and closing rules and regulations for Home Equity Lines of Credit

Build successful long-term relationships with members by increasing use of credit union services

Explain the different services and the benefits of each

Complete paperwork for loan changes and submit for approval

Consistently offer the credit union’s ancillary products on all eligible loan requests, allowing the member the opportunity to purchase additional protection for their loan

Perform teller duties as required or directed

Must be able to perform all daily teller duties including opening, closing and balancing the branch accurately

Consistently deliver quality member service and be a role model for new employees

Observe all safety and security policies and procedures, must possess a strong knowledge of all teller policies and procedures

Recognize member needs and recommend appropriate credit union products and services

Balance a cash box, cash dispense machine, recycler or branch vault as assigned

Responsible for maintaining attention to detail to ensure accuracy of work

Timely audit and examination of individual work produced is required. Resolve errors in a timely manner

Identify and communicate to the Branch Manager any product or service-related issues or improvements which would result in higher quality services for the members or improved financial control for the credit union

Maintain adherence to all credit union policies, procedures and regulatory requirements, while demonstrating professional service skills and financial integrity

Complete all required regulatory training annually and any additional assigned training in a timely manner

Assist in opening/closing security procedures of credit union offices

Read all internal publications including HUB and Possibilities

Perform other duties as required or assigned

Qualification

Certified Credit Union Financial CounselorLoan processingMember serviceRisk managementCash handlingComputer proficiencyInterpersonal skillsVerbal communicationWritten communicationOrganizational skills

Required

High School Diploma or equivalent is required

1-3 years of similar or related experience is required

A high level of interpersonal skills to conduct productive interviews with loan applicants and cross sell credit union services to the membership

Excellent verbal and written communication skills to communicate professionally

Must present a friendly and professional manner toward members. Maintain a professional work environment and businesslike appearance

Ability to identify, evaluate and resolve member financial needs

Knowledge of risk management and loss prevention

Must be an accurate typist

Must be accurate in all transactions, including cash handling

Ability to organize and prioritize work with minimum supervision

Working knowledge of computer programs including Microsoft Word, Microsoft Outlook, Microsoft Excel, Microsoft Teams, IRA Service Center Software and the internet

Must be able to operate or have ability to be trained to operate related office equipment including Biometric SDB Access, calculator, cash dispense machine, laser printer, receipt printers, coin and currency counters, cash recycler, coin scan machine, computer terminal (PC), multifunction copier, check/ID scanner, VISA instant issue machine, cash advance machine and telephone

Regular and reliable attendance is required