Financial Service Specialist I

Service 1st Federal Credit Union - Corporate Center
Job Description


Serve as liaison between the Credit Union and its members within a branch retail sales environment. Responsible for greeting members, performing routine account transactions, providing account information, opening new accounts, performing lending services and handling Credit Union members' needs in a professional manner.

Essential Functions & Responsibilities:

  • 25% - Perform routine member transactions, including but not limited to deposits, loan and VISA payments, transfers, and ordering members' checks.
  • 25% - Interview, examine and process loan applications.
  • 20% - Open new accounts and service existing accounts. Provide members with all necessary account information.
  • 15% - Explains services to members and potential members to generate additional business and to promote positive public relations.
  • 5% - Resolves account related concerns with members.
  • 5% - Maintain office files as necessary.
  • 5% - Performs other job related duties as assigned.

Performance Measurements:

  1. Represent the Credit Union to its members in a courteous and professional manner while providing prompt, efficient and accurate services.
  2. Receive and announce visitors and guests to the credit union.
  3. Fulfill the stated financial needs of members and uncover the unstated financial needs of members using “Sales Strategies” training skills in order to recommend various deposit, loan and convenience services appropriate for each individual member.
  4. Determine member needs by asking questions, promote and cross-sell services offered by the Credit Union based on members’ needs.
  5. Operate on-line computer terminal to access member account information.
  6. Perform routine member transactions, including but not limited to deposits, loan and VISA payments, transfers, and ordering members' checks.
  7. Perform routine tasks including but not limited to verifying and balancing cash drawers and assisting in verifying cash shipments and orders.
  8. Assists with servicing the coin machine and servicing and balancing the ATM as needed.
  9. Provide in-person and by telephone general and specific service-related information.
  10. Open new accounts and service existing accounts. Provide members with all necessary account information.
  11. Perform functions relating to loan services, to include providing information about the services, interviewing applicants, determining collateral needs and payment plans, reviewing, processing and closing loan applications.
  12. Prepare all loan documents, schedule appointments, disburse funds, and mail notices following federal and Credit Union laws, regulations and policies.
  13. Answer questions and provide information on first and second mortgages. Assist members with application process to ensure completeness. Process mortgage applications and follow through to closing.
  14. Assist members in balancing their accounts. Research accounts for deposit, withdrawal, and loan payment discrepancies.
  15. Provide members with account status, including current balances and loan pay-offs.
  16. Conduct orientation to explain services and programs to new credit union members.
  17. Establish and change direct deposit and payroll deductions.
  18. Make changes to account information as requested by member, to include name change, address change, adding/deleting names on joint accounts.
  19. Maintain office files as necessary.
  20. Perform back office data entry work.
  21. Assist with loan documentation and collection duties as needed.
  22. Participate in training and professional development activities to acquire and maintain standards established by the credit union. This could include attending conferences, seminars and workshops as directed by management.
  23. Maintain eligibility and continuing education requirements necessary to obtain and maintain various licenses required to sell insurance and/or underwrite loans
  24. Becomes familiar with and abides by policies, procedures and guidelines set forth by the credit union, e.g. Security; Bank Secrecy Act; Identity Theft and Red Flags; Cash Over/Short Guidelines; Check Cashing and Holds; Confidentiality; etc.
  25. Maintain a current understanding of lending regulations and comply with policies and regulations including, but not limited to, Bank Secrecy Act, Truth in Lending, Fair Lending, RESPA, HMDA, FCRA and the SAFE Act.

Knowledge, Skills and Abilities:


  • Three to five years of similar or related experience in a credit union or banking environment.
  • Prior consumer lending experience preferred.


  • A high school education or GED.

Interpersonal Skills

  • Requires well-developed interpersonal skills for communicating with members.
  • Courtesy, tact, and diplomacy are essential elements of the job. Work involves much personal contact with others inside and/or outside the organization for purposes of giving or obtaining information, building relationships, or soliciting cooperation.

Other Skills

  • Requires intermediate mathematical skills (calculations and concepts involving decimals, percentages, fractions, etc.)

Service 1st Federal Credit Union provides equal opportunity without regard to sex, gender identity, sexual orientation, race, color, religious creed, national origin, physical or mental disability, protected veteran status, or any other characteristic protected by applicable law in employment and in our business activities.

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