Job Branch Universal Sales Advisor

Job Title

Personal Banker

Schedule

Mon Sat Flex

Overview

Universal Sales Advisors must be knowledgeable in all facets of AFCU products and services such as, new accounts, business accounts, special accounts, core deposit accounts, home equity loans and all consumer loan products and services. Acts as a service representative as needed and enthusiastically cross-sells Credit Union services. Responsible to assist members with problem resolutions for a wide array of areas such as fraud, insurance, account concerns, electronic services and others. Has a basic understanding of business loans, mortgage loans and utilizes available resources to direct members to appropriate contacts in these areas. Actively promotes and cross sells electronic services to members and serves as an electronic services expert in the branch.

Works in a sales-focused environment while providing exceptional service to current members and potential members. Establishes and builds member relationships by identifying members' needs and educating them with specific products and / or services. Responsible for helping members via all channels such as phone, text, e-mail, and assisting members with video solutions, and self serve channels to determine additional financial opportunities with the credit union in a prompt and courteous manner. Interviews, counsels, and advises members regarding loans, deposits and any other products / services, including investment referrals, insurance products, and mechanical repair coverage. Responsible for reviewing and processing loan applications. Meets with applicants to explain credit policies and to obtain additional loan information / documentation.

Prepares closing documents and miscellaneous paperwork necessary for booking and funding new loan business. Tracks and obtains proof of insurance as required on member loans. Researches, evaluates, and determines whether loans meet Credit Union lending criteria and are within approval limits. Presents loan requests to underwriters for approval as per loan procedures. Ability to attain expected baselines in sales and service to support branch goals. Support marketing and lending initiatives such as MRM outbound calling by proactively soliciting additional business for the Credit Union and identifying and selling AFCU products and services. Onboards new members by conducting outbound two week and two month calls.

Responsibilities

1. Assumes responsibility for the effective development of member relations through sales and service.

a. Maintains relationships with members in the branch as well as outbound calling to onboard new members at 2 weeks and 2 months. b. Maximizes the penetration of Credit Union products and services in order to meet / exceed established sales goals and baselines. Has an advanced knowledge of the Preferred Way of Selling and acts as a sales mentor for others in the branch.c. Responsible for handling member interactions via all channels while using effective sales techniques. Assesses members' current financial needs by using effective relationship building and consultative sales techniques. d. Makes appropriate recommendations for loan, deposits, and other products and services.e. Highly motivated and self-driven. Sales and goal oriented.f. Demonstrate professional sales and negotiation skills to achieve individual and branch goalsg. Resolves members problems and concerns related to consumer loan products and services, and account issues.

2. Acts as a senior service representative as needed and processes teller transactions.

a. Identify additional cross-sell opportunities, such as checking accounts, certificate accounts, core deposit accounts, and other AFCU products and services.b. Assumes responsibility for the efficient, effective, and accurate performance of teller functions. c. Represents the Credit Union in a courteous and professional manner. d. Receives share deposits and loan payments. Computes interest. e. Processes cash advances, traveler's checks, cashier's checks, and money orders. f. Disburses cash or check share withdrawals. g. Processes transfers, post CD and all types of IRA's. h. Verifies transactions. Monitors deposit amounts and examines documents for endorsement and negotiability. Detects and resolves discrepancies promptly. i. Balances daily transactions and verifies cash totals. Investigates and resolves out-of-balance conditions. j. Processes "bank by mail" transactions. k. Provides override function for other tellers.

3. Evaluates loan applications and credit criteria and determines the appropriate sale so the member and credit union both benefit.

a. Actively and professionally cross-sells Credit Union services. Sells credit life, disability, GAP insurance, mechanical repair coverage, and members financial solutions. Expectation is to meet monthly Credit Union sales Standards including promotions and campaigns.b. Interviews, takes applications, and processes preliminary documentation on loan requests. Conducts personal / web and telephone interviews and discusses loan alternatives, credit criteria, interest rates, and loan documentation with the member. c. Determines value of collateral. Verifies car insurance coverage. Notifies application of loan decisions. Requests additional information if required. Presents loan requests to underwriters for approval as per loan procedures.d. Processes loans including ordering of credit reports, title searches and closing. e. Assists in servicing and maintaining all aspects of loans but not limited to payoff, refinances, payment agreements and amendments to original loan contracts. f. Assumes responsibility for processing and securing liens on collateralized loans and prompt follow-up on titles still pending. g. Ensures that lending operations are conducted in accordance with established Credit Union policies and are legally compliant. Ensures that loan requests are properly prepared and documented and that approved loans are promptly disbursed. h. Resolves any rejects concerning loans and membership accounts in a timely manner. i. Performs notary services.

4. Acts as a branch expert for electronic services.

a. Actively cross sells AFCU electronic services such as mobile banking, online banking, card guard, bill pay, mobile deposit and others.b. Has advanced knowledge of AFCU electronic services and serves as an expert for members as well as assists members with problem resolutions for electronic services.c. Assists members with account lock outs or other online account problems.

5. Acts as a branch account specialist for New Accounts, Business Accounts and Special Accounts.

a. Assumes responsibility for establishing and maintaining effective business relations with members.b. Assists Members with Business account, IRA account, Court ordered account, and HSA account applications and obtains needed documentation. c. Assists members with deceased accounts and disbursements.d. Review business account documents for signatures, completeness and decisions applications. e. Review website for applicable Department of Commerce at the State the business is located for verification of business registration. f. Assists with opening and closing member accounts.

Qualifications

Training / Education / Certification :

• High school graduate or equivalent.

Required Knowledge :

Experience Required :

Skills / Abilities :