Financial Services Officer

Job Description

Job Description

The primary purpose of this position is to assist First Commerce in fulfilling our Vision Empowering Generations, Transforming Communities. This is achieved through delivering Remarkable Member Service as defined by our Service Standards as well as building and maintaining strong member relationships through identification of member's financial needs and effectively recommending appropriate products and services to meet those needs.

The Financial Services Officer creates relationships with members and potential members to become financial partners for life. Originates consumer loans in accordance with established credit union lending policies. Responds to spoken and unspoken member needs and questions concerning all aspects of credit union loan products in person or by telephone. Continually promotes and cross-sells credit union products and services.

RESPONSIBILITIES :

• Drive sales and success through service. Ensure a positive member experience and achieve sales and referral goals through an expanded product set that includes banking, insurance and investment products
• Build a book of business by proactively seek ways to develop and expand relationships in order to contribute towards financial center and own success
• Maximize personal productivity by utilizing dedication and drive, insightful listening skills, attention to detail, and adaptability to achieve all levels of member, financial center and personal goals
• Experience continual opportunities to expand your financial acumen, sales expertise, interpersonal skills, and more
• Performs all duties of Member Service Representative
• Interviews loan applicants obtaining the required information, explaining loan options, interest rates, terms, and collateral requirements including ancillary products.
• Using credit approval guidelines, approves or denies and disburses loans by correctly applying and analyzing credit information while adhering to loan policy.
• Obtains all documentation required for loan, including requirements for approval.
• Responds in a consistently courteous and professional manner to inquiries from members and potential members including information related to pending loan requests, current loan rates, terms, and related information.
• Assists in servicing credit union loans by processing payoff requests, extensions, revolving credit advances, lien satisfactions, loan file correction and adjustments.
• Balances loan disbursements, transfers and other transactions including GL clearings with data processing totals each day.
• Continually increases subject matter and product knowledge to successfully explain, refer, originate and complete any product offered by the credit union
• Facilitates members' use of self-service solutions to enhance their experience and maintain financial center operating efficiency.

Other Responsibilities :

REQUIREMENTS :

EDUCATION AND EXPERIENCE :

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