Job Summary:
This role is a front-line member facing position that handles daily financial transactions, analyzes member’s needs, performs consultative selling for our financial products, and ensures a smooth onboarding and membership experience. Support the credit union’s mission, vision, and service standard. The role requires a high degree of integrity, compliance with regulatory standards, and a strong focus on delivering exceptional member service.
Essential Job Duties:
Teller Duties
- Processes member transactions accurately and efficiently, including deposits, withdrawals, loan payments, and check cashing.
- Processes various transactions and answers member account inquiries. Posts transactions to member’s account and maintains member records.
- Balances cash drawers at the beginning and end of shifts to ensure accuracy.
- Balances cash drawer and other transactions correctly and according to standard operating procedures.
- Issues cashier's checks, money orders, and bank drafts.
- Verifies and reconciles daily transactions to maintain accurate records.
- Proactively educates members about our products and services.
Member Service Duties
- Resolves any issues and problems faced by members, providing timely and regular updates.
- Maintains a high level of professionalism and confidentiality in all member interactions.
- Assists members with the following:
- Deposit Accounts: Opening, closing, maintaining accounts and certificates of deposit.
- Monetary Transactions: Share draft orders, stop payments, statement copies, check deposits, and cash deposits/withdrawals.
- Deposit Services: Safe deposit boxes, direct deposits and payroll distributions, ATM/check card orders, pin numbers, and notary services.
- Loans: Credit card, loans, and bill payments.
- Business Accounts: Open DBA, sole-proprietor, LLCs, and Corporations.
- IRA and Fiduciary transactions.
- Upholds the Credit Union’s compliance with the Bank Secrecy Act (BSA), which includes compliance with the Customer Identification Program and anti-money laundering policies and procedures.
- Reports unusual or suspicious activity in writing to the Risk, Legal and Compliance Department.
- Completes Currency Transaction Reports (CTRs) and submits them to the designated internal department for quality control in a proper and timely manner.
- Ensures all member interactions and transactions are conducted with integrity and in compliance with applicable laws and regulations.
- Performs other duties as assigned.
Financial Sales Duties
- Develops and maintains strong relationships with members, understanding their needs and providing tailored financial products and solutions.
- Engages with members to understand their financial situations and short-term and long-term financial objectives.
- Performs consultative selling to offer personalized products to members to help them achieve their financial goals.
- Collaborates with other departments, such as Investment Services, Consumer Lending, Mortgage, and Business lending, to provide comprehensive financial guidance.
- Promotes financial products and services that are suitable for members based on their needs.
- Identifies opportunities for account and membership growth and cross-selling additional products or services.
- Maintains knowledge around products and services offered.
Required Skills/Abilities:
- Excellent interpersonal and communication skills.
- Excellent organizational skills and attention to detail.
- Strong proficiency with Microsoft Office applications. Familiar and comfortable with information technology, particularly digital means of communication.
- Strong verbal/written communication skills.
- Adaptability and willingness to learn new skills and technologies.
- Ability to manage multiple tasks and prioritize effectively in a fast-paced environment.
Knowledge:
- Ability to become thoroughly knowledgeable of Credit Union products and services, features, and benefits.
Education and Experience:
- Minimum one year experience in financial industry or consultative sales role or related experience.
- Minimum high school diploma, or more than one year of related experience.
Physical Requirements:
Prolonged periods of sitting at a desk and working on a computer. Needs to be flexible with schedule to meet the needs of the organization and membership. Must be able to lift 20 pounds at times.
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