Personal Banker/Financial Services Representative (Kearny Mesa)

Accessibility statement: If you are unable to complete this application due to a disability, contact this employer to ask for an accommodation or an alternative application process. Full Time Clerical San Diego, CA, US 5 days ago Requisition ID: 1342 Salary Range: $22.88–$28.73 Hourly General Summary The Financial Service Representative (FSR) is based in a branch and works within established guidelines to perform sales and service activities. The FSR provides prompt, professional, and accurate information to members and potential members in opening new accounts, securing loans, and cross‑selling Credit Union products and services to meet members’ needs and increase satisfaction. The FSR maintains quality service standards while meeting or exceeding monthly assigned sales goals. Member Experience Develops member relationships by providing high‑quality sales and service to each member and works with new and existing members to identify their financial needs and assists them in selecting the appropriate financial products and services. Provides an exceptional service experience consistent with Credit Union standards; resolves member complaints quickly and accurately; responds to member inquiries on the phone and in person. Provides timely closing of loans through consistent follow‑up of loan approvals. Responds to member inquiries timely and accurately via telephone, mail, email, or an internal referral. Develops, expands, and retains member relationships in order to increase member satisfaction. Adheres to CCU's Member Experience Playbook, SLA’s, and Corporate initiatives. Follows the retail branch's escalation process. Opens New Accounts Explains account type, product, or service to member. Has thorough understanding of all credit union digital products and assists members in establishing all electronic services such as online banking, mobile banking, mobile deposits, direct deposit, bill pay, and others. Interviews member to determine appropriate product/account/service to establish. Complies with all positive identification regulations for establishing new account holders. Analyzes existing account relationships to identify potential services and/or account sales opportunities. Generates outbound telemarketing calls; identifies member needs and promotes appropriate credit union products and services; utilizes sales skills to source new account relationships. Generates and closes identified sales opportunities with new and existing members to include solicitation of loans, new accounts, and other credit union products and services. Develops and maintains a follow‑up program for expanding multiple account relationships. Opens basic business accounts, fiduciary, trust accounts, IRAs, and HSAs; completes all tasks required to establish and service these accounts. Originates and Funds Consumer Loans Recommends appropriate products and services to members. Conducts interview with members relating to loan request. Cross‑sells consumer loan protection products and services. Reviews documentation and forwards to Consumer Lending for review and approval on loans that are not system‑approved. Communicates the loan disposition to member (approved, counter‐offer, denied). Creates loan documents and obtains member signature(s). Disburses new loan and completes follow‑up tasks. Discusses and refers Business Loans. Completes tasks and responsibilities relating to enhancing member relationships to increase member service. Business Development Develops existing and new member relationships – expands client base through business development, on‑site events, and community and networking events. Attends on‑site events. Other Accountabilities (5%) Ensures compliance with all applicable laws, regulations, and Credit Union policies and procedures, including Truth in Savings and Fair Credit Lending Practices. Participates in all assigned staff development programs to support the Credit Union's commitment to continuous improvement in sales and service, quality, and teamwork. Must consistently report to work on time, as scheduled. Completes all BAI trainings and classroom courses. Performs other duties as assigned. Position Requirements and Qualifications Abilities Strong written and verbal communication. Provides excellent member service both internally and externally. Proven sales and service results. Strong time management and organizational skills. Knowledge, Education, Certifications, Licenses High School education or equivalent. Knowledgeable in new accounts and lending policies and procedures. Solid knowledge of sales and referral techniques. Working knowledge of personal computers. Experience Requires two to three years of financial institution experience in new accounts, sales, and consumer loan origination, or equivalent. Working Conditions and Physical Demands Work is performed in a general office environment. This position does not require significant physical effort. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of the job. EOE Monday‑Thursday, 9:00 a.m.–5:00 p.m.; 6:00 p.m. (Friday); Saturday, 9:00 a.m.–2:00 p.m. (40 hours) #J-18808-Ljbffr North Island Credit Union