Member Service Representative

JOB RESPONSIBILITIES

· Greet and welcome members and visitors to the credit union in a professional manner. Provide prompt, efficient, and accurate service in the processing of transactions. Promote credit union products and services based upon the member’s needs.

· Provide in-person and by-telephone general and specific service-related information concerning credit union services or policies.

· May respond to mail, email or other electronic requests submitted by members, again providing professional, prompt, efficient, and accurate service and information.

· Respond to members’ requests, problems and complaints, and/or direct them to the appropriate person for specific information and assistance.

· Open new accounts and service existing accounts. Set up new account files, and provide members with all necessary information for membership and account access.

• Process and decision consumer loan applications including the gathering of supporting information by interviewing loan applicants and obtaining credit bureau reports. Assist members with the loan application process to ensure completeness of information. Complete loan documents and disburse loans when approved.
• Calculate debt-to-income ratios on loan applicants, and calculate how much of a loan applicant’s debt is secured or unsecured.
• Determine collateral needs and payment plans for members applying for loans.
• When a loan is denied, explain reasons for denial in a professional, courteous manner. Work with member to provide recommendations or alternative options for other possible ways to secure a loan in the future.
• Implement new loan products and services in accordance with management direction.
• Cross-sell lending and other credit union products.

· Handle requests from members for transfers of shares to loan payments, share withdrawals, check requests, CD transactions, line of credit advances, and any other requests received from members.

· Provide information on investment alternatives to members wishing to deposit funds with the credit union.

· Research accounts for deposit, withdrawal, and loan-payment discrepancies.

· Accurately complete all account opening requirement, transactions, and assist with end-of-day branch balancing as assigned.

· Comply with policies and Standard Operating Procedures (SOPs), with particular attention paid to OFAC, and Bank Secrecy Act.

· Maintain Member confidentiality and protect bank operations by keeping information confidential.

· Balance cash drawer at end of the shift. Compare total amounts to computer-generated proof sheet. Research and resolve discrepancies. Report any discrepancies to the Supervisor as necessary.

· Ensure teller station is properly stocked with forms, supplies, brochures etc.

· Count, check and package coins and currency.

· Process deposits/withdrawals from accounts and/or share draft/check cashing. Verify amounts and enter withdrawals/deposits into system accurately. Cash share drafts/check from a variety of accounts upon proper verification according to credit union policies and procedures.

· Cover occasional off-site events

· Any and all duties assigned.

Tuesday – Friday 8:30am – 4:45pm Saturday 8:00am – 12:45pm

Job Type: Full-time

Pay: $39,000.00 - $48,750.00 per year

Benefits:

• 401(k)
• 401(k) matching
• Dental insurance
• Employee assistance program
• Health insurance
• Life insurance
• Opportunities for advancement
• Paid sick time
• Paid time off
• Tuition reimbursement

Experience level:

• 1 year

Schedule:

• 8 hour shift
• Day shift
• Monday to Friday
• Weekends as needed

Experience:

• Cash handling: 1 year (Preferred)
• Banking: 1 year (Preferred)
• Customer service: 1 year (Preferred)

Ability to Commute:

• West Wareham, MA 02576 (Required)

Ability to Relocate:

• West Wareham, MA 02576: Relocate before starting work (Required)

Work Location: In person