Personal Banker (Financial Service Officer)

Are you looking for an AWESOME place to work? SPIRE Credit Union has created a work environment where employees can flourish and be successful. We believe in the 5 A s: Ability, Attitude, Ambition, and Achievement which leads to each and every employee becoming an Ambassador for SPIRE. We are looking for an AWESOME individual to join our team as a full-time Personal Banker! This position is responsible for recommending and selling financial products and services to advance SPIRE growth objectives. It must exemplify superior member service and build positive member relationships. This position also acts as a resource to the branch staff and members by displaying knowledge and expertise in the financial services field. Responsibilities: Recommend and sell SPIRE products and services to ensure that the member s financial needs and SPIRE s growth objectives are met. Identify members financial needs and markets appropriate SPIRE products and services. Record the referrals for future reference and following contact, including correspondence and telephone referral. Initiate contact or follow up on all service and sales leads in a timely basis with outbound calls and or correspondence. Such as; new accounts, certificate renewals, referrals, promotion follow up, etc. Orient new members to SPIRE products, services and policies and solicits additional business; advises denied applicants on turn down. Promote and sell additional products and services Execute the new account application process to extend needed financial services and expand credit union membership. Interview prospective member, collect necessary credit reports and other necessary information. Analyze application for credit worthiness and fraud prevention; recommends approval or denial. Complete computing and documenting procedures to open new accounts or to refuse denied applications. Act as the main point of contact during the loan process for members to ensure optimal service, sales and accuracy. Inform members of SPIRE loan products and procedures and discusses options (rates, projections, payment, schedule, etc.) and recommends appropriate products and terms. Interview loan applicants, collects necessary credit reports and transmits recorded data to the underwriting department. Advise applicants of underwriting decisions; provides advice regarding credit extension and alternatives. Perform computing and documenting procedures to close approved loans; computes applicable fees and completes necessary title work; reviews disclosures and orients members to loan terms and requirements. Responsible to achieve identified penetration percentages in the product categories of GAP, MBP, and payment protection. Perform other duties as assigned to support effective branch operations. Requirements One to three years of similar or related experience. Associate's degree or equivalent experience. Knowledge of SPIRE products, services, policies, and procedures. Knowledge of professional business and telephone etiquette. Knowledge of simple arithmetic. Knowledge of professional business grammar and correspondence. Skill of selling, including the ability to identify members' needs, to explain features and benefits of SPIRE services, and to close sales opportunities. Skill of typing and the ability to use a computer keyboard and calculator; ability to learn to use various office equipment. Ability to develop professional relationships with members and to build cooperative teams with coworkers. Ability to problem solve and to make decisions. Ability to organize multiple tasks and to maintain a courteous demeanor in a busy, high stress work environment. Ability to employ simple communication skills (listening, reading, tact, courtesy). Ability and willingness to be coached on the Preferred Way of Selling. Ability to maintain confidentiality via phone, fax, email and web chat. Ability to meet sales and service expectations. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity or national origin.