Member Services Representative (Full Time)

Job Description

Job Description

POSITION DESCRIPTION

IBEW 26 Federal Credit Union

Position: Member Services Representative (Full Time)
Reports To: Operations Manager

Position Summary

The Member Services Representative supports both frontline member service and back-office financial operations of the credit union. This position delivers accurate, professional service to members while maintaining the integrity of accounting records and daily operational processes, including ACH, ATM, share draft, and general ledger balancing.

This role performs teller functions, assists with branch operations, and completes accounting duties of moderate complexity in accordance with established procedures and regulatory requirements.

Responsibilities and Duties

Member Service & Teller Functions

• Perform routine member transactions including deposits, withdrawals, transfers, loan payments, cash advances, and check cashing.
• Provide account information including balances, histories, and loan payoffs.
• Open and close accounts in accordance with credit union policies and procedures.
• Process payroll deduction deposits.
• Sell money orders.
• Examine checks for proper endorsement and negotiability.
• Balance teller drawer daily.
• Assist members with account discrepancies, overdrafts, debit card issues, account closings, and adjustments.
• Cross-sell credit union products and services by identifying member needs and communicating benefits.
• Greet members and guests in a professional and courteous manner.
• Monitor lobby appearance and access during hours of operation.
• Send onboarding letters to new members.
• Maintain membership records and file retention documentation.
• Safeguard sensitive and confidential member information at all times.

Accounting & Operational Support

• Process and reconcile daily ACH, payroll, and share draft files; prepare and submit returns; process settlements.
• Ensure assigned general ledger accounts are current and balanced daily.
• Verify accuracy, completeness, and consistency of accounting information received.
• Research and resolve accounting discrepancies; coordinate with departments and outside agencies as needed.
• Balance ATM network settlements and maintain the IBEW 26 ATM, including deposits and adjustments.
• Process ATM/POS adjustments and maintain required documentation.
• Review and retain ACH and ATM documentation in compliance with policy.
• Monitor share draft accounts and close accounts when appropriate.
• Contact members regarding negative balances and non-sufficient funds.
• Proof loans in accordance with credit union procedures.
• Provide internal support regarding general ledger balancing, ATM issues, and operational processes.
• Perform cash vault responsibilities including verifying incoming cash, filling teller orders, balancing coin, and maintaining security controls.
• Approve wire transfer requests in accordance with authority limits.

General Responsibilities

• Maintain knowledge of applicable state and federal regulations.
• Follow Teller and Management Duty schedules.
• Participate in ongoing education and professional development.
• Participate in special promotions and assist other departments including Lending and Accounting as needed.
• Maintain maximum security over cash and valuables according to policy.
• Perform additional duties as assigned.

Abilities & Competencies

• High degree of honesty, integrity, and professionalism.
• Strong member service orientation and relationship-building skills.
• Excellent oral and written communication skills.
• Strong analytical and problem-solving abilities.
• Ability to manage multiple tasks, meet deadlines, and work independently within policy guidelines.
• Proficient in personal computer use and financial systems.
• Detail-oriented with strong organizational skills.

Education & Experience Requirements

• High School Diploma or GED required.
• Associate’s Degree or equivalent financial institution experience preferred.
• Prior financial institution and cash handling experience preferred.

Employer Paid 100% Medical, Dental, and Vision Insurance

Employer Paid 100% Life Insurance, Short- and Long-Term Disability

401K with an employer contribution of 8%

Paid Vacation, Paid Annual Leave and Paid Holidays