Floating Financial Services Representative

Job Description

Job Description

Description:

POSITION PURPOSE:

This role performs a broad variety of financial services such as opening and closing accounts, renewing certificates, and opening share draft accounts. Answers member questions regarding Credit Union products and services provided and performs a variety of account maintenance. Cross-sells Credit Union products and services and may perform limited teller functions. Assists or refers members with all questions or problems that arise in a courteous and professional manner. Performs more complex member transactions. Ensures member’s expectations are being exceeded with every interaction. 

This role requires someone who is flexible and willing to travel to accommodate branch scheduling needs.

The minimum starting pay for this role is $22.50 per hour. At CPM Federal Credit Union, we consider experience, skills, and internal equity when determining final compensation.

Candidates must be available Monday - Thursday 8 am - 5 pm, and Fridays 8 am - 6 pm.

ESSENTIAL FUNCTIONS AND BASIC DUTIES:

Reasonable accommodations may be made to enable individuals with disabilities to perform these essential duties.

• Performs teller functions as needed, actively cross-sells Credit Union products and services to members and assists in meeting their financial needs. Opens and closes accounts.
• Assumes responsibility for effectively and accurately receiving, reviewing, and processing loan applications.
• Coordinates and processes closings. Ensures that each loan is promptly and properly prepared, documented, processed, approved, and disbursed. 
• Assists in servicing loans by processing such items as payoff, refinances, problem loan workout arrangements, address changes, payment extensions, collateral releases, and payment due date changes.
• Ensures that lending operations are conducted in accordance with established Credit Union policies and are legally compliant. Ensures that loan requests are properly documented.
• Performs all tasks accurately and proactively seeks to solve problems or assists anywhere needed.
• Opens new membership accounts and closes accounts, opens certificates, and sub shares as needed.  

PERFORMANCE MEASUREMENTS:

• Consistently meet/exceed member service and personal/team production goals.
• Lending functions are effectively performed in accordance with established Credit Union policies, procedures and with legal and regulatory requirements. 
• Accuracy as it relates to opening new accounts and other account maintenance.  
• Programs and services are properly and thoroughly explained, and members' needs accurately assessed. Members' problems are courteously and promptly resolved.
• Required reports are accurate and timely.
• Good working relationships exist with area personnel and with management. Area personnel are assisted as needed.
• Credit applications and related financial data are closely and effectively analyzed and evaluated.

REQUIRED EDUCATION AND EXPERIENCE:

• Previous lending experience with consumer loans and mortgage knowledge and experience preferred but not required.
• Knowledge of Credit Union loan services, policies, and procedures. Understanding of related legal and regulatory standards and loan documentation preferred. Knowledge of consumer and residential lending practices preferred.  
• High school diploma or equivalent required. 

ADDITIONAL SKILLS AND QUALIFICATIONS:

• Excellent interviewing, communication, and public relations skills. 
• Professional appearance and attitude. 
• Strong analytical and financial skills. 
• Ability to operate related computer applications, and other business equipment including calculators, printer, and telephone. 

PHYSICAL REQUIREMENTS:

• Sedentary work; sitting most of the time. Exerts up to 10 lbs. of force occasionally with or without accommodations.
• The ability to communicate where one must frequently convey detailed or important instructions or ideas accurately, and quickly.

OTHER DUTIES

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change at any time with or without notice.

COMPLIANCE AND TRAINING RESPONSIBILITIES:

Employees must comply with CPM’s policies and all applicable laws and regulations, including but not limited to GLBA, BSA, SAFE Act, and Regs B, D, E, CC, and Z. They are responsible for protecting the privacy, integrity, and confidentiality of information. Employees are also required to complete all mandated compliance and information security training to maintain regulatory and security standards.

AFFIRMATIVE ACTION/EEO STATEMENT

CPM Federal Credit Union is an Equal Opportunity Employer who recruits, and hires qualified applicants without regard to race, color, religion, sex, pregnancy, childbirth, and related medical condition (including, but not limited to lactation), sexual orientation, national origin, age, disability, gender identity, protected veteran status or any other protected characteristic.

Notice of AI Use in Job Application Review

As part of our commitment in creating a fair, efficient, and consistent hiring process we may use artificial intelligence (AI) to help our recruiting teams organize, summarize, and analyze information provided by candidates, including resumes, application responses, and other materials submitted during the application process.AI may be used to identify patterns, highlight relevant skills, and experience, and assist in comparing a candidate’s qualifications with the requirement of a specific role. These tools are to improve efficiency and consistency while supporting more informed hiring decisions, which will ultimately be made by the hiring team.