Financial Service Representative II - Instep Federal Credit Union

PRIMARY FUNCTION

This role is essential to our credit union's success, as you will assist new and existing members with their immediate, short-term, and long-term financial goals. You will provide exceptional service and problem-solving, combining member services, account opening functions, and consumer lending. This dynamic position also includes welcoming members, acting as a financial services consultant, and performing teller transactions.

DUTIES AND RESPONSIBILITIES

• Assist members face-to-face, by telephone, or online by determining their needs and providing prompt guidance.
• Promote the Credit Union's products and services.
• Participate in branch sales and promotion programs.
• Accept, review, and log various applications and distribute them to the appropriate department.
• Open new accounts and explain Credit Union services and benefits to new members, providing all required disclosures.
• Interview members to determine loan qualifications per policy, assembling loan details within established guidelines.
• Submit completed loan applications exceeding authorized limits to Branch Manager, Operations Officer, or CEO for approval.
• Review loan decisions with members, including loan amounts, interest rates, payment schedules, and any reasons for loan denial.
• Prepare adverse action forms in compliance with regulations.
• Set up automated loan repayment systems through direct deposit, allotment, or recurring entries.
• Ensure loan packets are completed per auditing guidelines and policy.
• Assist with teller duties as needed or required.
• Maintain confidentiality and security of all member information.
• Other duties and tasks as assigned by the supervisor or management team.

BENEFITS:

• Competitive salary 
• Health, dental, and vision insurance 
• Retirement savings plan 
• Paid time off and holidays 
• Ongoing training and development opportunities