Financial Service Representative

Financial Service Representative- Houston, TX

We are seeking candidates with strong sales experience across credit union loan products (auto, personal, credit card, signature), with full-cycle experience from application through funding. Always deliver superior service to the members. Present a positive, efficient, and professional front line atmosphere. Leave the member with the feeling they are our number one priority. Treat all internal and external members with respect and courtesy.

Responsibilities

• Adhere to the Credit Union's "Value Proposition" service standards statement daily with internal and external members.
• Research and follow-up on member inquiries regarding credit union accounts and services in a timely manner whether in person or by mail or phone.
• Perform member account maintenance functions including closures, personal and account data changes, and account openings.
• Knowledgeable and proficient in the account opening process for all deposit accounts including but not limited to savings, checking, money market, and club accounts; Also, have proficiency in identification and new account screening methods and be able to fully explain regulatory requirements on all accounts and services.
• Knowledgeable and proficient in Certificate of Deposit and Individual Retirement Accounts (IRAs) including opening, renewing, and closing, and accurately calculating withdrawal penalties and dividend payments as appropriate.
• Assist members with the loan application process including but not limited to the gathering of background information on the member and pulling credit reports.
• Complete all loan documents, establish loans in the system and fund the loans to the proper General Ledger (GL) account.
• Answer member lending questions and provide current loan rates and NADA used car quotes to members, as well as any other information requested on credit union products and services.
• Maintain usage proficiency on all member-related third-party systems and software including the maintenance of member records. These systems include but are not limited to member check ordering, ATM/Debit card ordering and maintenance, account, and identity verification, etc.
• Perform outbound solicitation calls daily.
• Promptly answer telephone inquiries and forward calls to appropriate personnel.
• Take accurate messages when necessary and follow up that call was returned.
• Possess and maintain knowledge of all credit union products, services, policies, and procedures.
• Comply with all state and federal regulations related to this job and to the credit union.
• Attend training classes as requested by supervisor and/or Human Resources Dept.
• Monitor supply inventories and submit purchase requests to authorized personnel.
• Excellent verbal and written communication with department supervisors, co-workers, and members.
• Accurately and efficiently complete all member or account related forms and forward to appropriate department for action and/or filing.
• Must be available to travel to any branch location for back-up as requested by management, as well as work on Saturdays when needed.
• Complete any job assignments and duties assigned by Branch Managers when working in their branches.
• Promote teamwork by assisting others with work when needed or when own work is completed.
• Assists in special projects or other assignments as requested by a supervisor.
• Actively educate and inform members on all credit union products and actively cross-sell all products/services to meet monthly production goals.
• Identify potential lending business through the thorough review of the member's credit report.
• Assist member(s) with account inquiries in a timely and accurate manner and perform all functions associated with account maintenance as requested including but not limited to personal and account data changes, address changes, and account closures.
• Performs other duties as assigned by the Branch Supervisor or Sales Director or Senior Management.

Minimum Job Requirements

• 5 applications per day
• $300K Booked Loans.
• 2 Share/Share Draft opened daily.
• 2 Specialty accounts opened monthly.
• 40% GAP sales monthly
• 40% Warranty sales monthly
• 46% Credit Life sales monthly
• 36% Credit Disability sales monthly
• 20 outbound sales calls per day
• Contact 100% of members after loan approval to secure booking.
• Monitor Loan Queue daily and contact member within 24 hours of placement in queue.

HOUAC49 #ZR