4077 OJT Financial Svc Specialist

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Job description

Keesler Federal Credit Union team members enjoy competitive salaries and a wide range of benefits, some of which include:Medical, dental, and vision insuranceSection 125 Flexible Spending Accounts for Health Care and Dependent Care expensesEmployee and Dependent Life Insurance401(k) Retirement Plan with 100% match on the first 5% contributed by youPaid LeaveTuition Reimbursement and Competitive ScholarshipsShort Term & Long Term Disability BenefitsWE CURRENTLY DO NOT SPONSOR WORK RELATED VISASPosition: OJT - Financial Services SpecialistDepartment: Retail OperationsReports To: Assistant Branch Manager or Training Branch ManagerFLSA: Non-ExemptSUMMARYUnder general supervision, but following established policies and procedures, is responsible for creating, opening, and processing new member accounts and cross selling services to members. Explains products' and/or services' value, benefits, features, rates and fees to members.Through the use of the Opening Act (OA) system, creates membership, new account, and deposit services in Symitar. Also uses Opening Act to build and submit loan applications to Central Lending Decisions Makers for a decision. If an application is immediately approved by the system, takes steps to disburse the loan.Represents the credit union in a professional, friendly, courteous manner. Gives prompt, efficient, and accurate service in the processing of all transactions. Stays current with credit union membership requirements, deposit products, services, loan products, and marketing campaigns. This position works closely with the Training Department to ensure all new tellers receive OJT training. Excellent member service is mandatory for this position.SUPERVISORY RESPONSIBILITIESActs as the Branch Manager or Assistant Branch Manager in the event of an absence or by virtue of the branch reporting structure.ESSENTIAL FUNCTIONSUsing Opening Act and/or Symitar, opens and processes required documentation for all types of consumer & business deposit accounts including individual retirement accounts and certificates of deposit.Orders and statuses ATM and Debit cards through Card Creation Wizard or utilizes to provide members with ATM and Debit cards instantly. Handles ATM and debit card disputes and fraud disputes.Conducts quality interviews with members using the AIDINC® system to meet member needs through credit union products and services.Within the scope of an position's authority, accepts deposits and payments and performs withdrawals or loan advances. These transactions are performed on a variety of transaction and savings products as well as a variety of loan types, including credit cards. At the conclusion of a member interaction, reads back members' receipts in order to verify and finalize the accuracy of the transaction.Within the scope of an position's authority, maintains control of cash by double counting all cash received and disbursed, or being diligent as the 2nd party in any dual control procedure.In opening new accounts, verifies checks for deposit are made payable to parties presenting them for negotiation, properly endorsed, and deposited in accordance with credit union policy, for new accounts and, if applicable, Reg CC. A determination of collectability based on the actual check and the member presenting the item may require an extended hold. Utilizes True Checks within prescribed guidelines.Provides account information such as current balances, transaction history, dates & amounts of deposits and loan pay-offs (excluding business loans), only for the member account owner(s) for consumer & business accounts.Works to resolve members' concerns, complaints, discrepancies, and problems through use of available resources, effective use of KFCU computer systems and product knowledge. Refers problems through the chain-of-command for resolution. Utilizes the Synapsys CRM to effectively track member concerns.Uses Opening Act system and the AIDINC® process to complete quality consumer & business loan applications over the phone or in person. The goal of the loan application interview is to meet member needs and minimize pending applications.Routes the loan applications and any supporting documentation to Central Lending Decision Makers for disposition via Opening Act Priority 1 or Priority 2 queue.In the event of a declined loan, the incumbent clearly communicates the decision and how it was determined to the member in a positive and tactful manner. The incumbent should be able to advise the borrower(s) on proactive steps they can take to hopefully improve their prospects on their next application or improve their credit score.Upon loan approval, disburses the loan in accordance with guidelines and procedures. Ensures that all paperwork and documents for closure of loan are correctly completed. The goal in loan closing is to ensure that the member and KFCU are fully protected. It is imperative that any collateral offered for security has KFCU listed as lienholder, the member is aware of their requirement to maintain collateral insurance, and the terms to avoid defalcation are fully understood by the borrower(s).Consistent with the view that Sales is Service and Service is Sales, strives to exceed the goals set by the credit union with regard to member service and sales of all products and services offered by the credit union.In support of marketing campaigns such as Auto Loan Refinance or new member onboarding, makes outbound phone calls to contact members in regards to products or services for which the member qualifies.Follows BSA guidelines and upholds all member information in the strictest confidence. Discussion of any member's financial matters with non-credit union staff will result in immediate termination of employment.Accurately interprets the Fair Credit Reporting Act as it applies to credit union loans.Ensures that workspace is neat, organized, and well stocked with supplies.Completes, with an acceptable grade, all training for this position as directed by management and actively participates in training classes.Maintains proficiency in Symitar, , Synergy, Synapsys CRM, Outlook, Microsoft Office, Opening Act and any other computer systems necessary to perform the job satisfactorily.Responsible for compliance with all Federal regulations including Bank Secrecy Act (BSA) and Office of Foreign Assets Control (OFAC) and Reg CC.Provides merchant referrals directly to the merchant for business accounts.Maintains established goals set by Branch Manager, Director of Training and Regional Director.Under general supervision, but following established policies and procedures, ensures incoming team members have the necessary skills to successfully perform their job while delivering outstanding member service.Works closely with the Training Department to provide all new lenders with OJT training.Maintains high level of professionalism, including personal appearance with name tag visibilityRequires excellent organizational skills, the ability to multi-task, communication skills and writing/grammar skills are necessary.Promotes teamwork, demonstrates superior member service, is an advocate to help support other departments/branches, and acts as a positive role model for all other team members.Establishes good member rapport, including greeting members immediately, eye contact, smile, conveying a willingness to help the member and using the member's name (3 times) in the conversation. Close the conversation with offering additional assistance and sincerely thanking the memberWorks directly with the Training Department to help improve training processes for the organization.Possesses skill sets to adjust OJT training material according to learning/behavior style.Represents KFCU as the subject matter expert in area of branch lending expertise and provides support for team members during the OJT process.Actively assist with testing new products/proceduresWillingness to accept override responsibilitiesMentors new & existing team members as neededMust possess patience and have a desire to train and develop team membersMaintains strict confidentiality of member and team member informationOther Duties and Responsibilities:Maintains branch office equipment and supplies necessary to keep office working efficiently.Assists in balancing the ATM as directed by the Branch Manager or Assistant Branch Manager.Assists in the balancing of Night Depository as directed by the Branch Manager or Assistant Branch Manager.Miscellaneous duties as assigned.KNOWLEDGE & SKILLSTo perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skills and/or abilities required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.Education:A high school education or GED.Community college coursework is desired. Experience and Other Requirements:Three to five years of similar or related experience or 15 months of FSR I experience with KFCU.Satisfactory completion of Lending Class, New Accounts training, and Teller training through the KFCU Training Department required.Satisfactory completion of KFCU's Lending training.Must possess ability to operate computer terminal, computer printers, calculator, fax machine, copier, telephone, fax machine, currency counter, and copier with accuracy and attention to detail.Must possess and exhibit an outgoing personality, helpful member service attitude and an ability to sell credit union products and services.Must possess strong basic math skills, accuracy and attention to detailMust demonstrate an ability to understand and implement changing policies and procedures.Must be knowledgeable of teller transactions relevant to the position..Must maintain confidentiality and dependability..... click apply for full job details