Member Service Representative
Job category: Financial
Job Type: Full Time
Clinton, New York
To sell and service the full range of credit union financial products to the members through personal interviews, telephone conversations or written correspondence. Work is subject to review and/or audit on a no-notice basis by Management, Supervisory Committee, auditors and/or Federal Examiners.
Acquires and maintains a working knowledge of the on-line computer system and required paperwork. Performs transactions, inquiries, account openings and closings as members require during sales interview, or via written requests.
Establishes and maintains IRA and Time Share Certificate accounts.
Interviews members in person or via telephone to respond to inquiries, to resolve problems, to offer product information and to sell appropriate services or products according to the member’s situation.
Receives and reviews loan applications for completeness of information. Interviews member to determine purpose of loan, current financial status, repayment schedule, etc. Ensures member is requesting correct type of loan. Verifies credit and employment records. Forwards completed loan application and other pertinent documentation to Loan Officer for review. Logs application.
Communicates loan decision to member. Disburses loan. Refers disapproved member to Loan Officer, as necessary.
Performs all duties in compliance with the established Credit Union Quality Standards.
Keeps current knowledge of all services and products provided by the Credit Union and cross-sells these services and products whenever possible.
Must complete all training designed to enhance capabilities, including in-house training as well as outside seminars, workshops, etc.
Acquires and maintains the necessary working knowledge of Federal and State laws and regulations and Credit Union Bylaws and Policies, in order to ensure compliance when selling Credit Union services and products.
Participates as a member of the ATM Response Team.
Equal Opportunity Employer/ Veterans/Disabled