Financial Representative Jobs in Michigan

POSITION DESCRIPTION

POSITION TITLE: Financial Service Representative (FSR)

DEPARTMENT: Member Services

APPROVED BY: GENERAL MANAGER

REPORTING RELATIONSHIPS

POSITION REPORTS TO: SR Financial Service Representative
POSITIONS SUPERVISED: None

ESSENTIAL FUNCTIONS AND BASIC DUTIES

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 regulations relating to financial products and services as well as GCCU policies and procedures and regulations pertaining to the Bank Secrecy Act

· Follow safety and security procedures regarding robbery and emergency situations, member privacy, 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, card services, 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

Financial Services Representative III:

• Supervise front-line operations in the absence of the Senior Financial Services Representative, ensuring effective service to members
• Assist in training other FSRs in the basic knowledge of consumer loans, card services, new account applications, IRAs, and specialty accounts with support from Sr FSR
• Conduct the review process for new account applications and forms to ensure accuracy and compliance
• Assist with daily vault operations, including maintaining security and accurate record-keeping
• Assist with gathering and submitting daily reports to the Accounting Department
• Provide support to employees in handling difficult member issues in a professional manner
• Assist the Senior Financial Services Representative with monthly reports and tasks
• Troubleshoot and resolve issues involving ATMs, TCRs, and coin machines
• Carry out all the duties and responsibilities of the Branch Employees, FSR I, and FSR II duties and responsibilities

Sr. Financial Services Representative:

· Oversee all Financial Services Representatives (FSR I, FSR II, and FSR III)

· Train all Financial Services Representatives (FSR I, FSR II, and FSR III) in the basic knowledge of consumer loans, new account applications, IRAs, and specialty accounts

• Ensure the accuracy of new account applications and forms processed by FSRs
• Conduct performance evaluations for FSR I, FSR II, and FSR III, providing feedback and guidance for professional development
• Oversee and maintain vault operations, ensuring adherence to security protocols and accurate record-keeping
• Complete daily work and submit reports to the Accounting Department
• Prepare monthly reports on FSR line operations, analyzing key metrics and performance indicators
• Carry out all the duties and responsibilities of the Branch Employees, FSR I, FSR II, and FSR III positions

PERFORMANCE MEASUREMENTS

1. Member Relations: The degree to which member service and professional rapport is demonstrated in the day-to-day business environment.

2. Quality: The level of ability to perform work assignments free from mistakes or errors.

3. Productivity: The level of work output or efficiency as compared to a standard or compared to others. The ability to use time and resources well.

4. Job Knowledge: The depth and breadth of know-how to perform essential duties and functions of the job. The level of compliance with degree, certification, and training requirements. Understanding of how individual job performance furthers organizational objectives. Willingness to update and expand skills, knowledge, and training.

5. Policy/Security Compliance: The degree to which the employee has a knowledge of and complies with organizational policies, standards, and security procedures.

6. Attendance: The number of absences [excluding vacation and legally required leave] regardless of reason. Also includes the number of times tardy for work or returning from lunches and breaks.

QUALIFICATIONS

Education/Certification: High school graduate or equivalent.

Experience Required: Abilities generally acquired on the job in 12 months.

Skills/Abilities: Financial Service Representative I

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

Financial Services Representative II & III:

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

Sr. Financial Services Representative:

Contribute to employee development and culture throughout the credit union

Ability to understand and apply the credit union strategies and overarching vision

All of the FSR I, FSR II, FSR knowledge, skills, and abilities

PHYSICAL ACTIVITIES AND REQUIREMENTS OF THIS POSITION

Talking: Especially where one must frequently convey detailed or important instructions or ideas accurately, loudly, or quickly.

Average Hearing: Able to hear average or normal conversations and receive ordinary information.

Finger Dexterity: Using primarily just the fingers to make small movements such as typing, picking up small objects, or pinching fingers together.

Repetitive Motion: Movements frequently and regularly required using the wrists, hands, and/or fingers.

Average Visual Abilities: Average, ordinary, visual acuity necessary to prepare or inspect documents or products, or operate machinery.

Physical Strength: Sedentary work; sitting most of the time. Exerts up to 10 lbs. of force occasionally. (Almost all office jobs.)

WORKING CONDITIONS

None: No hazardous or significantly unpleasant conditions (such as in a typical office).

INTENT AND FUNCTION OF JOB DESCRIPTIONS

Job descriptions assist organizations in ensuring that the hiring process is fairly administered and that qualified employees are selected. They are also essential to an effective appraisal system and related promotion, transfer, layoff, and termination decisions. Well constructed job descriptions are an integral part of any effective compensation system.

All descriptions have been reviewed to ensure that only essential functions and basic duties have been included. Peripheral tasks, only incidentally related to each position, have been excluded. Requirements, skills, and abilities included have been determined to be the minimal standards required to successfully perform the positions. In no instance, however, should the duties, responsibilities, and requirements delineated be interpreted as all-inclusive. Additional functions and requirements may be assigned by supervisors as deemed appropriate.

In accordance with the Americans with Disabilities Act, it is possible that requirements may be modified to reasonably accommodate disabled individuals. However, no accommodations will be made which may pose serious health or safety risks to the employee or others or which impose undue hardships on the organization.

Job descriptions are not intended as and do not create employment contracts. The organization maintains its status as an at-will employer. Employees can be terminated for any reason not prohibited by law.

Job Type: Part-time

Pay: $15.00 - $16.00 per hour

Benefits:

• Paid time off

Work Location: In person