Financial Services Officer

Location

Tallahassee, FL | United States

Job description

Financial Services Officer

About Us: First Commerce Credit Union is a financially strong, growing member-owned cooperative serving consumer and business needs in nearly 40 counties across North Florida and South Georgia. Credit unions operate under a common philosophy of people helping people - individuals who share a passion for supporting their communities. Credit unions provide financial wellness resources, help local businesses grow, and are committed to helping members build their savings, invest in their futures, pursue their financial goals, and much more.

About the Position: The Financial Services Officer I 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.

RESPONSIBILITIES:

• 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
• Facilitates members' use of self-service solutions to enhance their experience and maintain financial center operating efficiency.
• Performs other duties as assigned.

REQUIREMENTS:

• 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.
• Must be able to work a flexible schedule Monday - Friday.

EDUCATION AND EXPERIENCE:

• A minimum of a high school diploma or equivalent.
• A minimum of 1+ years of full time or equivalent loan servicing, including processing or collections, or 1+ years of Financial Services Representative I
• New account experience involving cross-selling of products or 1+ years of loan origination experience may be substituted.

BENEFITS:

We are pleased to offer our team members:

• Competitive annual salary (to be disclosed to candidates meeting minimum qualifications)
• Health, dental, vision, disability, life, and pet insurance options with generous company sponsorship which includes free 24/7 mental & behavioral telehealth coverage
• Two (2) weeks paid time off (this increases to 3, 4, and 5 weeks with additional years of service)
• One (1) week sick leave (this increases to 2 weeks with additional years of service)
• Eleven (11) paid holidays, one (1) personal floating holiday, and paid volunteer time
• 401k with up to 4% employer match, vested from your first day on the job
• Eco-friendly cash bonus for carpooling, biking, or using public transportation
• Professional development programs, scholarships, and internal committee leadership opportunities
• Charitable contribution matching
• Exclusive rewards and discounts on things like movie tickets, travel, shopping, and more
• Referral incentives for mortgage products and recruitment
• Fun perks in the office with a company culture where you are more than just a number

If you think you'd be a good fit, we'd love to see you apply!

We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.

Job tags

Salary