Member Service Representative


Job Description
Job DetailsJob LocationVENTURA - Ventura, CAPosition TypeFull TimeSalary Range$18.00 - $24.00 HourlyJob CategoryBankingJOB PURPOSEThe primary purpose of this position is to deliver exceptionally high quality service to VCCU's internal and external members and abide by all service standards and tenets of VCCU's Core Values. A key element of this service is to provide members and prospective members the full range of products and services offered by VCCU. This employee is expected to maintain a professional comportment at all times and comply with all Credit Union policies and procedures, including Standards of Conduct and Confidentiality. ESSENTIAL DUTIES, RESPONSIBILITIES, AND FUNCTIONSTo perform this job successfully, an individual must be able to perform each essential function satisfactorily. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Other duties may be involved. Travel to other locations may be required. Represents the Credit Union in a courteous and professional manner; greets and assists members; responds to member inquiries promptly, anticipates future needs, and ensures outstanding member service is consistently delivered.Performs duties related to opening new accounts and establishing new memberships. Opens all types of share accounts, including Checking, Certificates, and Money Market Savings. Maintains thorough understanding of related documentation and procedures for all New Accounts functions, including Business Accounts, IRAs, Living Trusts, vesting changes and/or statements related to fraud, check orders (new and reorders), changes of addresses/phone numbers.Performs all duties related to originating and funding consumer loans and business loans. Interviews loan applicants, processes consumer loans on lending system, follows up on approved or pending loans, collects stipulations required for funding, prepares and signs members to consumer loan documents, and funds consumer loans. Assesses new account and loan applications for fraud detection.Refers Real Estate/HELOC applicants to the Mortgage department. Quotes interest rates and terms; may submit applications to Real Estate Loan Department, as assigned. Current NMLS registration required. Performs all teller functions as needed; balances currency, coin, and checks at end of shift to totals generated by system. Maintains thorough knowledge of credit union products and services as assessed by observation and member shops and by annual product knowledge assessment. Acts as a sales and service representative for the Credit Union. Proactively seeks opportunities to sell and cross-sell Credit Unions products and services to new and existing members; provides clear and concise information about specific products and services designed to improve their financial well-being.Achieves all sales goals as assigned.Supports business development by participating in activities (e.g., benefit fairs) with Select Employer Groups and community functions, as assigned.Adheres to all teller and check cashing procedures and deposit limits as outlined in the Authority Limits for this position. Performs Quality Control of signature cards as assigned.May act as a back up to branch receptionistComplies with all applicable branch policies and procedures such as accepting negotiable items, scanning checks, buying and selling cash from and to CDMs/TCRs or other Branch Reps/Vault Teller, opening/closing proceduresSUPERVISORY RESPONSIBILITYThis job has no supervisory responsibilities.MINIMUM EDUCATION AND QUALIFICATIONSALL EMPLOYEES MUST QUALIFY FOR AND MAINTAIN A FIDELITY BONDHigh school diploma or general education degree (GED)Two years' experience in financial services; 6-12 months of previous sales experience preferredAbility to be registered with the National Mortgage Licensing SystemIntermediate computer skills, including MS Office Suite, and other window applications. Experience with Episys preferred.Bilingual (Spanish) preferredOTHER SKILLS AND ABILITIESMust be able to operate all basic office equipment and be PC literate with Windows applications. Must achieve and maintain a general knowledge of the Credit Union teller system. Must attain a thorough knowledge of Credit Union products and services. LANGUAGE SKILLS Ability to read and interpret documents such as safety rules, operating and maintenance instructions, and procedure manuals. Ability to write simple correspondence. Ability to effectively present information in one-on-one and small group situations to member, clients, and other employees of the Credit Union.MATHEMATICAL SKILLSAbility to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals. Ability to compute rate, ratio, and percent and to draw and interpret bar graphs.REASONING ABILITYAbility to apply common sense understanding to carry out detailed but uninvolved written or oral instructions. Ability to deal with problems involving a few concrete variables in standardized situations.Certificates, Licenses, RegistrationsCould be required to become a notary public. This position requires National Mortgage Licensing System (NMLS) registration under the terms of the S.A.F.E. Act of 2008 and Regulation Z. PHYSICAL DEMANDSThe physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.While performing the duties of this job, the employee is frequently required to remain in a stationary position 75% of the time. The person in the position must communicate constantly with members in order to convey information about their transaction and you must be able to exchange accurate information with them. You are occasionally required to traverse across the office/lobby to access vaults or files. You will constantly operate computer equipment using a keyboard, 10 touch keypads and other like office equipment to accurately calculate figures, input data and to count money. You will sometimes have to ascend/descend or position yourself to crouch or kneel for items on the floor. The employee must frequently move up to 10 pounds and occasionally move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception, and ability to adjust focus. Must be able to look up and out for security acceptance of cash, coin, checks, and securities.WORK ENVIRONMENTThe work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job in an indoor office environment. The noise level in the work environment is usually moderate, however with Branches that have coin machines, the noise level may increase.Mandatory Vaccination Policy: VCCU is dedicated to the health and well-being of all of our employees. As a condition of employment, all new employees are required to be fully vaccinated against COVID-19 on or before the first day of employment (subject to legally mandated exemptions). Ventura County Credit Union values a diverse and inclusive workplace and we strongly encourage women, people of color, LGBT and transitioning individuals, people with disabilities, members of ethnic minorities, eligible foreign born residents, and veterans to apply. We are an equal opportunity employer and are committed to providing a professional work environment free from discrimination, harassment, bullying, and retaliation.