Financial Service Officer - First Commerce Credit Union

Come grow with us!

First Commerce is expanding, and we want you to join our dynamic, winning team. At FCCU, you can expect competitive pay, best in class benefits, initial and ongoing training and development, and career growth opportunities. Don't just look for a job, 'consider a career where you empower people to enhance their financial well-being and make a difference to our communities. Apply with us today!

GENERAL SUMMARY: 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.

JOB DUTIES:

• Will perform job duties in accordance with policies established by the Board of Directors under the rules and regulations set by the National Credit Union Administration and State of Florida.

• 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
• Attends meetings as required; reports to work on time and as scheduled; adheres to facility dress code

REQUIREMENTS:

EDUCATION: High school diploma or equivalent

EXPERIENCE:

• A minimum of 1 year of full time or equivalent loan servicing, including processing or collections, or 1 year of Financial Services Representative I or new account experience involving cross-selling of products, or 1 year of loan origination experience.

SKILLS:

• Knowledge of credit union deposit and loan products and services to include mortgages as well as ability to promote and cross-sell.
• Superior communication and interpersonal skills in order to conduct consistently professional and productive interviews with loan applicants which may involve recommending alternatives when credit analysis reveals ineligibility for a loan.
• Ability to provide consistently courteous and positive member service.

Americans with Disability Specifications

Physical demands: The physical demands described here are representative of those that must be met by a team member (employee) to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the team member is occasionally required to stand; walk; sit; use hands to finger, handle or feel objects, tools or controls; reach with hands and arms; climb stairs; balance; stoop, kneel, crouch or crawl; talk or hear; taste or smell. The team member (employee) must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by the job include close vision and distance vision, color vision, peripheral vision, depth perception, and the ability to adjust focus.

Competencies

To perform the job successfully, an individual should demonstrate the following competencies:

• Integrity/Honesty (Universal): Behaves in an honest, fair, and ethical manner. Shows consistency in words and actions. Models high standards of ethics.
• Social Competence (Universal): The ability to understand and manage own and others emotions. There are five main elements of Social Competence: Self-awareness, Self-regulation, Motivation, Empathy, Social Skills. The ability to interact positively and get along well with others. Social competence is as a set of positive social skills necessary to get along well with others and function constructively in groups. Respects and expresses appreciation for others. Able to work and communicate well with others and listen to others' ideas. Demonstrates context-appropriate behavior that is consistent with social norms. Uses a range of skills or processes aimed at resolving conflict.
• Written Communication (Universal): Writes in a clear, concise, organized, and convincing manner for the intended audience.
• Continual Learning (Universal): Assesses and recognizes own strengths and weaknesses; pursues self development.
• Creative Entrepreneurship (Leadership): Positions the organization for future success by identifying new opportunities; builds the organization by developing or improving products or services. Takes calculated risks to accomplish organizational objectives. Develops new insights into situations; questions conventional approaches; encourages new ideas and innovations; designs and implements new or cutting edge programs/processes. Understands and keeps up-to-date on local, national, and international policies and trends that affect the organization and shape stakeholders' views; is aware of the organization's impact on the external environment.
• Accountability (Leadership): Holds self and others accountable for measuring high quality, timely and cost effective results. Determines objectives, sets priorities and delegates work. Accepts responsibility for mistakes. Complies with established control systems and rules.
• Customer Service (Leadership): Anticipates and meets the needs of both internal and external customers. Delivers high quality products and services; is committed to continuous improvement.
• Decisiveness (Leadership): Makes well-informed, effective, and timely decisions, even when data are limited or solutions produce unpleasant consequences; perceives the impact and implications of decisions.
• Problem Solving (Leadership): Identifies and analyzes; weighs relevance and accuracy of information; generates and evaluates alternative solutions; makes recommendations.
• Influencing/Negotiating (Leadership): Persuades others; builds consensus through give and take; gains cooperation.