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Financial Service Representative

Company: Harvesters Credit Union
Location: Pensacola
Posted on: November 26, 2022

Job Description:

*Harvesters Credit Union*
Job Description

*Financial Services Officer*

*Role: *
Assists members with their consumer lending needs, analyzing loan requests and making credit decisions based on lending policy.

*Essential Functions & Responsibilities: *
E 25% Interviews member loan applicants to develop information concerning their loan needs, earnings, and financial condition. Cross-sells other Credit Union services.

E 20% Analyzes current financial position of members to determine the degree of risk involved in extending credit or lending money. Makes decision to approve, disapprove, or forward the loan request to higher levels for decision.

E 10% Prepares and/or reviews all loan documents for completeness and accuracy.

E 10% Establishes the terms and conditions of an approved loan and reviews them with the member.

E 10% Explains loan programs to members, evaluates their needs and recommends loan options.

E 5% Keeps informed of current trends in consumer credit.

E 5% Follows current loans to ensure compliance with terms and coordinates with collections.

E 5% Authorize release of collateral on existing loans, changes in loan terms, waivers of payments, due date change, etc.

E 5% Participates in sales development activities.

N 5% Performs other job related duties as assigned.

*Performance Measurements: *
1. Provide informed, prompt, and accurate service and support to all members and associates by accurately processing, decisioning, and relaying loan decisions to members within 10 minutes and responding to messages and correspondence within 1 hour.

2. Ensure all documentation is completed accurately.

3. Meet or exceed assigned loan volume.

4. Meet or exceed the minimum established incentive goal each month.

5. Troubleshoot and resolve member and internal inquiries in a timely, friendly, accurate manner.

*Knowledge and Skills: *

Experience Two years to five years of similar or related experience.

Education A high school education or GED.

Interpersonal Skills A significant level of trust and diplomacy is required, in addition to normal courtesy and tact. Work involves extensive personal contact with others and/or is usually of a personal or sensitive nature. Work may involve motivating or influencing others. Outside contacts become important and fostering sound relationships with other entities (companies and/or individuals) becomes necessary.

Other Skills Must have good communication skills. Ten key calculator and keyboard skills.

Physical Ability to sit/stand and utilize computer workstation, including phones, keyboard and visual
Requirements display monitor for extended periods of time.

Work Environment

*Disclaimer: *

*This Job Description is not a complete statement of all duties and responsibilities comprising the position.*

Job Type: Full-time

Pay: From $12.00 per hour

* 401(k)
* Dental insurance
* Employee assistance program
* Health insurance
* Health savings account
* Life insurance
* Paid time off
* Referral program
* Retirement plan
* Vision insurance
* 8 hour shift

* Financial Services: 2 years (Required)
* Lending Processing: 2 years (Required)

Work Location: Multiple Locations%58047475%

Keywords: Harvesters Credit Union, Pensacola , Financial Service Representative, Other , Pensacola, Florida

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