Member Service Generalist - Personal Banker (Cecil County)
Company: Apgfcu
Location: Elkton
Posted on: March 20, 2023
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Job Description:
APGFCU - Your Community Credit Union! For over 80 years, APGFCU
has shared our financial experience and provided valuable products
and services to build stability and financial independence, one
member at a time.We are looking for those who want to join this
movement and become a part of a growing organization.We offer
competitive pay and great benefits.
SUMMARY:
Under the direction of the Branch Manager, develop new business
through the promotion of Credit Union offerings to new and existing
members. Be responsible for generating new and increased loan
volume. Uncover member needs through personal contact and
cross-sell products, automated services and other services to meet
these member needs as outlined in established Credit Union goals.
Also, assist Branch Management by making recommendations on
refunding fees and charges to members. Perform a variety of savings
related services and loan related duties.
Also perform diversified Teller duties involving receipt and
payment of cash, identification of Member needs and recommendation
of appropriate Credit Union products and services. Provide high
quality member service in a courteous manner to all contacts. Cash
negotiable instruments, sell travelers checks and money orders, and
process utility bills. Verify all cash amounts received, enter
transactions into on-line computer, summarize and close out all
transactions at the close of the day. Perform additional Teller III
duties such as but not limited to, training transferred employees,
providing limited member service duties, handling currency vault,
and all ATM maintenance and settlement (no deposit verification
required in some branches), and processing branch settlement.
ESSENTIAL DUTIES AND RESPONSIBILITIES:
Member Service: Provide consistent, courteous and personal service
to members. Analyze member needs, match products/ services to
maximize member relationships with credit union and increase member
wealth. May include outbound calls to existing/potential members to
develop loan needs and to solicit new loan business. Demonstrate
the use of automated services to new and existing members in order
to increase the percentage of members oriented to automated
services. Open new accounts, make revisions to existing accounts,
and complete transactions such as deposits, withdrawals, loan
payments, and check cashing for the members as appropriate.
Investigate member account problems and make determinations on
refunding fees and charges, within authority, as warranted by the
circumstances.
Sales Goals: Responsible for specific, measurable goals for shares,
loans, credit life/disability insurance, cross-selling and
referrals based on credit union's strategic plan.
Loan Service: Increase loan volume by cross-selling loan products
to new, existing and prospective members to meet Credit Union
goals. Review loan histories and interview loan applicants,
recommend suitable loan products, compile necessary documentation,
define collateral requirements, and determine monthly payments.
Identify debt held by other institutions and cross-sell loan
products to members for the transferring of debt to the credit
union. Review denied loan requests and make recommendations to
supervisor for alternate decision if warranted. Properly
communicate denials to members and refer when appropriate to a
counseling service. Provide assistance in completing loan
applications and associated information. Promote Credit Union Life
and Disability Insurance. Knowledge and skills will be maintained
by keeping abreast of all policies and procedures and through
regular training and practice. Complete all associated paperwork
and correspondence with members as necessary.
Member Account Maintenance: Correct errors in member accounts,
calculate penalties and dividends. Perform the quality control
function to review savings activities as assigned. Re-order checks,
change account information, order membership cards, and perform
notary public functions, clear transferring military and civilian
members, close accounts, initiate stop payments, and order copies
of members' records, as required. Recommend, establish or change
such products as payroll deduction, military allotment, and direct
deposit based on the members' needs. Properly process transactions
using all automated systems of the Credit Union.
Membership Development: Maintain current member files for
follow-up. Identify members who will benefit from our savings
and/or loan products and services, and contact members by mail or
phone. Assist with membership calls as required for marketing of
products and services and any other marketing promotions. Generate
ideas to enhance quality service, such as recommendation for
workflow improvements and products innovation.
Quality Control: Identify and communicate to Credit Union
Management, product or service related issues or improvements which
would result in higher quality services for members or improved
financial control for the Credit Union. Maintain adherence to all
Credit Union policies, procedures and regulatory requirements,
while demonstrating professional service skills and financial
integrity, as due course of business.
Teller Services: Perform Teller duties as required or directed.
Must be able to assist in training new staff. Must be able to
perform all daily teller duties to include opening and closing and
balancing of the branch accurately. . Consistently deliver quality
member service and be role model for all new tellers. Close member
accounts and perform other routine activities associated with
savings products and services. Refer member to appropriate
department or individual. Participate in maintaining good member
relations by providing friendly and efficient service. Observe all
safety and security policies and procedures. Must possess a strong
knowledge of all teller policy and procedures.
Additional : May assist management with administrative and
operational duties, on an as needed basis: time sheets, difficult
member inquiries and coordination of workflow. Perform other
related duties as required or directed.
Responsible for completion of applicable training and compliance on
federal regulations and APGFCU policies and procedures as related
to the duties of this position (Bank Secrecy Act, Information
Security as examples, if applicable).
QUALIFICATIONS
Education:
Experience:
Education: Equivalent to High School education with additional
broad specialized training equivalent to 2 years college.
Experience can be credited in lieu of education.
APGFCU is an Equal Opportunity/Affirmative Action employer. All
qualified applicants will receive consideration for employment
without regard to race, color, religion, sex, national origin,
disability to Protected Veteran status. Please use the attached
link to view the EEO law poster
http://www1.eeoc.gov/employers/poster.cfm
Equal Opportunity Employer/Protected Veterans/Individuals with
Disabilities
The contractor will not discharge or in any other manner
discriminate against employees or applicants because they have
inquired about, discussed, or disclosed their own pay or the pay of
another employee or applicant. However, employees who have access
to the compensation information of other employees or applicants as
a part of their essential job functions cannot disclose the pay of
other employees or applicants to individuals who do not otherwise
have access to compensation information, unless the disclosure is
(a) in response to a formal complaint or charge, (b) in furtherance
of an investigation, proceeding, hearing, or action, including an
investigation conducted by the employer, or (c) consistent with the
contractor's legal duty to furnish information. 41 CFR
60-1.35(c)
Keywords: Apgfcu, Wilmington , Member Service Generalist - Personal Banker (Cecil County), Other , Elkton, Delaware
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