FINANCIAL SERVICES REPRESENTATIVE
Company: DEXSTA FEDERAL CREDIT UNION
Location: Middletown
Posted on: January 27, 2023
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Job Description:
About UsDEXSTA Federal Credit Union is a not-for-profit full
service financial institution that exists to serve its members.
"Since 1937, our credit union has maintained our commitment of
'people helping people.' If our members have a need, we find the
solution. Be sure to visit any of our branches and see the
difference a credit union makes." Jerry King - PRESIDENT, CEO Our
CommunitiesFulfilling the credit union movement's mission of
"people helping people" is always at the heart of DEXSTA Federal
Credit Union's community efforts. We lean upon the old adage of
"actions speak louder than words" to bring that philosophy to life
in our communities. DEXSTA has been a long-time supporter of
Children's Miracle Network (CMN) Hospitals, Ronald McDonald House,
and Sunday Breakfast Mission. We also support the Boys & Girls
Clubs of Delaware and are always looking for new ways to get
involved! Any time the DEXSTA team comes together for a good cause,
some fun and laughs always seem to follow!Our full time positions
come with the following benefits that are paid by the company for
employees:Medical and prescription planVision PlanLife
InsuranceAD&D InsuranceMoney Purchase Plan(Pension plan)Short
Term DisabilityLong Term Disability Paid Time OffAdditional
Benefits:Dental InsuranceAFLAC Insurance401k Plan with company
matchIncentive plans for certain positionsMembership to the Credit
UnionDEXSTA Federal Credit Union is an equal opportunity employer
that is committed to diversity and inclusion in the workplace. We
prohibit discrimination and harassment of any kind based on race,
color, sex, religion, sexual orientation, national origin,
disability, genetic information, pregnancy, or any other protected
characteristic as outlined by federal, state, or local laws. This
policy applies to all employment practices within our organization,
including hiring, recruiting, promotion, termination, layoff,
recall, leave of absence, compensation, benefits, training, and
apprenticeship. DEXSTA Federal Credit Union makes hiring decisions
based solely on qualifications, merit, and business needs at the
time. Position Summary: Responsible for servicing members'
financial needs and transactional requests as they relate to all
aspects of their accounts, including savings, checking,
certificates, consumer loans, and related ancillary products.
Educate members on credit union products and services to expand
their total financial relationship with the credit union. Provide
members with an exceptional experience in accordance with the
Credit Union's core values. This position may float to any branch
including the Phone Center. Duties/Responsibilities: Follow all
credit union policies, procedures, and requirements in addition to
all state and federal laws and regulations, including Regulation
CC, the Bank Secrecy Act, OFAC and USA Patriot Act/Customer
Identification Act (CIP). Educate members on various credit union
policies, procedures and related laws and regulations where
applicable. Service members' financial needs at any branch
location, including the Phone Center. Process non-monetary requests
(i.e. direct deposits, online banking, mobile banking, etc.) Open
and close members' accounts (including savings, checking, money
markets, certificates, debit cards, check orders, etc.), while
learning more about members' reasons for maintaining or dissolving
their relationship with the credit union. Maintain members' account
information and update when appropriate. Investigate and reconcile
members' questions, inquiries, and concerns with regard to their
accounts/services; communicate with the appropriate department or
individual when applicable to ensure resolution and member
satisfaction. Maintain an up-to-date and comprehensive knowledge of
the credit union's products and services. Support the credit
union's focus on member service and sales. This position will have
sales and lending goals and minimum performance standards. Build
rapport and use active listening skills, to identify members' needs
while working with members or actively researching members'
relationships to determine sales and cross-selling opportunities.
Answer inquiries, screen, interview and counsel prospective
borrowers, including explaining loan options (rates, types of
loans/options, repayment terms, etc.); assist members in completing
loan documentation; verify and complete appropriate credit checks
and perform financial ratios to determine credit risk to credit
union. Approve or deny consumer loans within established policies
and limits; document approvals and notify denials in a timely
manner. Complete and prepare loan documentation accurately and
efficiently. Close and disburse loans according to credit union
procedures and policies, ensuring borrowers are familiar with and
understand loan terms, conditions, collateral and disclosures.
Perform other duties as assigned. Essential Functions: Extended
sitting up to 60% of the time. Lifting up to 35 pounds occasionally
required. Bending, squatting, kneeling, reaching above or below
shoulder level frequently required. Intermediate mathematical
skills (calculations/concepts involving decimal and percentages).
Continuous sound perception/discrimination and verbal speech
ability. Valid driver's license required. Occasional travel and
irregular hours may be required. Occasional exposure to dust and
poor ventilation. Strong computer and application skills. Excellent
oral, written, grammar and communication skills. Problem solving
skills. Must be bondable. Education, Training and Experience: High
school diploma or the equivalent. Lending /loan processing
experience desired. Financial Service experience desired.
Sales/Service experience desired. DISCLAIMER The information in
this position description has been designed to illustrate the
general nature and level of work performed by employees within this
classification. It is not designed to contain or be interpreted as
a comprehensive inventory of all the duties and responsibilities
and/or qualifications required of any employee assigned to this
position. PI202141686
Keywords: DEXSTA FEDERAL CREDIT UNION, Wilmington , FINANCIAL SERVICES REPRESENTATIVE, Accounting, Auditing , Middletown, Delaware
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