FINANCIAL SERVICES REP 2 - Bilingual Preferred

Description

SUMMARY: Under general supervision collects member information to complete loan and deposit account applications to be submitted for review. Educate members on products and services and help guide them into better financial decisions. Follow all regulatory criteria when submitting applications. Perform basic transactions and monitor for fraudulent activity, and financial abuse. 

REPORTS TO: Branch Manager   

DEPARTMENT: Financial Services

SALARY RANGE: 6 – Non-Exempt

Essential Duties and Responsibilities:

1. Represent the credit union to the members in a courteous and professional manner and provide prompt, efficient and accurate service.
2. Monitor for suspicious activity, fraud, and financial abuse by documenting, and submitting information to the correct department. 
3. Educating members on credit union products and services to help them make better financial decisions. Educate members on credit and lending requirements and help guide them on consolidation or credit growth when necessary. 
4. Open new Share Certificates and perform maintenance on certificates currently open, including updating maturity options and processing withdrawals and renewals.
5. Opening new accounts, including shares, checking accounts, minor accounts, CID accounts, Rep Payee, and Trusts. Servicing existing accounts by adding/ removing joints, processing deceased account notifications, updating names, account numbers, and beneficiaries.  
6. Collect and review documents in accordance with CIP Procedures.
7. Obtain and understand credit reports and review for accuracy. Educate members on their credit and help them make empowering financial decisions. Document information pertaining to credit for underwriting’s review. 
8. Work up effective loan and deposit application comments for underwriting and compliance review. 
9. Calculate income on paystubs, as well as properly collect tax returns, retirement income, social security income, and rental analysis for loan application decisions. Collect necessary documents and process loan applications including signature loans, auto loans, lines of credit, credit cards, and share secure loans. Gather signatures, review documents with members, and disburse loan proceeds.
10. Effectively fill out and gather signatures on DMV forms needed for auto loans. 
11. Perform basic transactions in branch for members, including but not limited to check/ cash withdrawal, deposit and loan payments. 
12. Achieve goals set by management. 
13. Complete mandatory BSA compliance training annually. 
14. Maintain a thorough working knowledge of credit union history and philosophies, as well as policies and procedures of the credit union.
15. Reliable and predictable attendance is an essential duty of this position.
16. Perform other financial services duties as assigned by management. 

REQUIRED KNOWLEDGE:

Requires basic reading, writing, math, attention to detail, computer skills, communication skills and the ability to work effectively and cohesively with staff and members. Fluency in English and Spanish is preferred for this role. 

EDUCATION AND EXPERIENCE: 

Requires high school education or G.E.D. equivalency certificate. In addition to education, preferred one to two years’ experience in member services and/or financial services area of a credit union, or financial institution.

PHYSICAL DEMANDS:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is regularly required to perform a variety of tasks in a fast-paced environment, including processing financial transactions, managing cash, and interacting with customers. While performing the duties of this role, the employee is regularly required to talk, hear, and communicate effectively. The role frequently requires the use of hands and fingers to operate a computer, telephone, and keyboard.

Employees may be required to sit, stand, or walk for extended periods and occasionally stoop, kneel, crouch, climb, or balance. The position also involves reaching with hands and arms and lifting or moving items such as bags of coins or other materials weighing up to 50 pounds.

Specific vision abilities required include close vision, distance vision, peripheral vision, depth perception, and the ability to adjust focus, particularly when working on a computer. Regular, predictable attendance is essential

WORK ENVIRONMENT:

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

This position operates in a professional office environment, which includes frequent interaction with the public. Candidates must be comfortable engaging with a diverse membership, including handling occasionally difficult or sensitive situations in a respectful, patient, and solution-oriented manner.

The noise level is typically moderate and consistent with that of a standard office setting (e.g., computers, phones, printers, and general member traffic). The role requires the ability to work in a confined space and the capacity to sit or stand at a workstation or teller window for extended periods.

TRAVEL:

Travel is occasionally local during the business day

Revised May 2025