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Financial Services Officer - Thomasville, Georgia

Company: First Commerce Credit Union
Location: Thomasville
Posted on: November 19, 2021

Job Description:

Come grow with us!First Commerce is expanding, and we want you to join our dynamic, winning team. At FCCU, you can expect competitive pay, best in class benefits, initial and ongoing training and development, and career growth opportunities. Don't just look for a job, 'consider a career where you empower people to enhance their financial well-being and make a difference to our communities. Apply with us today!The Financial Services Officer creates relationships with members and potential members to become financial partners for life. Originates consumer loans in accordance with established credit union lending policies. Responds to spoken and unspoken member needs and questions concerning all aspects of credit union loan products in person or by telephone. Continually promotes and cross-sells credit union products and services.RESPONSIBILITIES:* Drive sales and success through service. Ensure a positive member experience and achieve sales and referral goals through an expanded product set that includes banking, insurance and investment products* Build a book of business by proactively seek ways to develop and expand relationships in order to contribute towards financial center and own success* Maximize personal productivity by utilizing dedication and drive, insightful listening skills, attention to detail, and adaptability to achieve all levels of member, financial center and personal goals* Experience continual opportunities to expand your financial acumen, sales expertise, interpersonal skills, and more* Performs all duties of Member Service Representative* Interviews loan applicants obtaining the required information, explaining loan options, interest rates, terms, and collateral requirements including ancillary products.* Using credit approval guidelines, approves or denies and disburses loans by correctly applying and analyzing credit information while adhering to loan policy.* Obtains all documentation required for loan, including requirements for approval.* Responds in a consistently courteous and professional manner to inquiries from members and potential members including information related to pending loan requests, current loan rates, terms, and related information.* Assists in servicing credit union loans by processing payoff requests, extensions, revolving credit advances, lien satisfactions, loan file correction and adjustments.* Balances loan disbursements, transfers and other transactions including GL clearings with data processing totals each day.* Continually increases subject matter and product knowledge to successfully explain, refer, originate and complete any product offered by the credit union* Facilitates members' use of self-service solutions to enhance their experience and maintain financial center operating efficiency.Other Responsibilities:* Performs job duties in accordance with policies established by the Board of Directors under the rules and regulations set by the National Credit Union Administration, the State of Florida, and any applicable State laws for financial centers located in other States.* Complies with Reg E, BSA, OFAC, and CIP requirements such as reporting suspicious or unusual activity to manager.* Fully supports in actions and words First Commerce's Vision, Mission, Core Values, and Service Standards.* Attends meetings timely and as required; reports to work as scheduled and adheres to First Commerce's dress code.* Performs other duties as assigned.REQUIREMENTS:* Knowledge of credit union deposit and loan products and services to include mortgages as well as ability to promote and cross-sell.* Superior communication and interpersonal skills in order to conduct consistently professional and productive interviews with loan applicants which may involve recommending alternatives when credit analysis reveals ineligibility for a loan.* Ability to provide consistently courteous and positive member service.* Must be able to work a flexible schedule Monday - Saturday.EDUCATION AND EXPERIENCE:* A minimum of a high school diploma or equivalent.* A minimum of 1+ years of full time or equivalent loan servicing, including processing or collections, or 1+ years of Financial Services Representative I* New account experience involving cross-selling of products or 1+ years of loan origination experience may be substituted.Americans with Disability SpecificationsThe primary work location for this position is a First Commerce building. Team members may be requested to work in different First Commerce Financial Center locations.Physical Requirements: The physical demands described here are representative of those that must be met by a team member (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 team member is occasionally required to stand; walk; sit; use hands to finger, handle or feel objects, tools or controls; reach with hands and arms; climb stairs; balance; stoop, kneel, crouch or crawl; talk or hear; taste or smell. The team member (employee) must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by the job include close vision and distance vision, color vision, peripheral vision, depth perception, and the ability to adjust focus.Mental/Emotional Requirements: Must be able to perform job functions independently or with limited supervision and work effectively either on own or as part of a team. Must be able to read and carry out various written instructions and follow oral instructions. Must be able to speak clearly and deliver information in a logical and understandable sequence. Must be able to perform basic mathematical calculations with extreme accuracy. Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public. Must be able to perform responsibilities with composure under the stress of deadlines/requirements for extreme accuracy and quality and/or fast pace. Must be able to effectively handle multiple, simultaneous, and changing priorities. Must be capable of exercising highest level of discretion on both internal and external confidential matters. This position requires continual and uninterrupted cognitive ability to wholly focus upon intricate tasks, including the ability to perform multiple tasks at once, and the use of both short term and long term memory to properly manage and address facts, tasks, dates, times, and data.Competencies:To perform the job successfully, an individual should demonstrate the following competencies:* Integrity/Honesty (Universal): Behaves in an honest, fair, and ethical manner. Shows consistency in words and actions. Models high standards of ethics.* Social Competence (Universal): The ability to understand and manage own and others emotions. There are five main elements of Social Competence: Self-awareness, Self-regulation, Motivation, Empathy, Social Skills. The ability to interact positively and get along well with others. Social competence is as a set of positive social skills necessary to get along well with others and function constructively in groups. Respects and expresses appreciation for others. Able to work and communicate well with others and listen to others' ideas. Demonstrates context-appropriate behavior that is consistent with social norms. Uses a range of skills or processes aimed at resolving conflict.* Written Communication (Universal): Writes in a clear, concise, organized, and convincing manner for the intended audience.* Continual Learning (Universal): Assesses and recognizes own strengths and weaknesses; pursues self development.* Creative Entrepreneurship (Leadership): Positions the organization for future success by identifying new opportunities; builds the organization by developing or improving products or services. Takes calculated risks to accomplish organizational objectives. Develops new insights into situations; questions conventional approaches; encourages new ideas and innovations; designs and implements new or cutting edge programs/processes. Understands and keeps up-to-date on local, national, and international policies and trends that affect the organization and shape stakeholders' views; is aware of the organization's impact on the external environment.* Accountability (Leadership): Holds self and others accountable for measuring high quality, timely and cost effective results. Determines objectives, sets priorities and delegates work. Accepts responsibility for mistakes. Complies with established control systems and rules.* Customer Service (Leadership): Anticipates and meets the needs of both internal and external customers. Delivers high quality products and services; is committed to continuous improvement.* Decisiveness (Leadership): Makes well-informed, effective, and timely decisions, even when data are limited or solutions produce unpleasant consequences; perceives the impact and implications of decisions.* Problem Solving (Leadership): Identifies and analyzes; weighs relevance and accuracy of information; generates and evaluates alternative solutions; makes recommendations.* Influencing/Negotiating (Leadership): Persuades others; builds consensus through give and take; gains cooperation.

Keywords: First Commerce Credit Union, Tallahassee , Financial Services Officer - Thomasville, Georgia, Accounting, Auditing , Thomasville, Florida

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