Sales and Service Representative - Colfax
Company: Bellco Credit Union
Location: Aurora
Posted on: May 24, 2023
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Job Description:
Thank you for your interest in Bellco Credit Union! We're a
local not-for-profit organization that has been giving back to our
members, the communities we serve, and of course, our employees
since 1936. Offering one of the best employee benefits packages
around, Bellco is a leader in fostering, developing, and engaging
staff to become expert financial-service ambassadors. You're a part
of something more at Bellco-a place you can be proud of.
LOCATION: Branch
DIVISION: SVP CRO
FUNCTION DESCRIPTION:
A Sales and Service Representative opens new accounts, analyzes
credit bureau reports; interviews members in person or by telephone
to identify financial needs and sales opportunities. Initiates
computer-based credit applications; analyzes credit scores and
makes routine business decisions; sells financial products and
services to members; and answers member inquiries about Bellco
products and financial services. When needed, processes a variety
of financial transactions in both lobby and drive-up in a timely,
accurate and professional manner.
ORGANIZATIONAL RELATIONSHIPS:
Reports to: Branch Manager
Supervises: None
Contacts: Credit union members, other credit union departments,
credit union officials and appropriate external financial service
providers.
QUALIFICATIONS/REQUIREMENTS:
Education: High School Diploma or equivalent is required
Experience: 1 year sales or customer service preferred; 6 months
cash handling experience; a minimum of 6 months experience with
Bellco or in financial services is preferred.
Skills:
--- Loan experience preferred.
--- Demonstrated abilities related to Sales and achievement of
Sales Goals. Proven ability and willingness to identify needs and
sell appropriate products.
--- Previous loan experience desired.
--- Ability to interact with others in a positive manner, both in
person or by phone.
--- Ability to accurately and efficiently enter data and update
member financial records via computer terminal.
--- Strong communication skills, both oral and written
Equipment: On-line computer terminal keyboard and visual monitor,
calculator, copy machine, fax machine, telephone, printer, ATM,
check signer, check- filmer, and security alarms
ESSENTIAL FUNCTIONS:
1. Provides a valuable and enjoyable experience to both internal
customers and members during interactions. Consistently suggests
ways to improve the member/customer experience through improved
processes and technology.
2 . Communicate with members in a positive manner both in person
and/or by phone.
3. Practice Bellco service standards in all interactions with
members, prospective members and personnel in other Bellco
departments.
4. Deepens member relationships by cross-selling products and
services.
5. Contribute to corporate and branch goals and support current
business priorities.
6. Understand and communicate key features and benefits of all
Bellco products and services including the various types of loan
and deposit products.
7. Communicates key mortgage product features including LTV,
discount points and rate bumps escrows, mortgage insurance,
etc.
8. Demonstrate remote access financial service devices including
BellcoOnline, TELLERphone, and automated teller machines.
9. Access member accounts to accurately perform the following
non-lending service transactions, for example:
--- Maintain a cash drawer
--- Post deposit to accounts
--- Process cash advance transactions
--- Order member checks
--- Issue official checks
--- Redeem bonds
--- Process loan payments
--- Transfer funds between accounts
--- Assist with branch balancing, branch operations and ATM
balancing
--- Process money orders
--- Process traveler's checks
--- Process miscellaneous negotiable items
10. Accurately enter and complete transactions including loan
applications in Bellco systems.
11. Open new accounts by following the approved new account opening
procedure; initiate a credit application; identify financial
product and service needs; follow current underwriting guidelines
and use credit scoring or traditional underwriting to approve
credit applications; refer members to appropriate Bellco personnel
for advanced product and service needs.
12. Analyze credit bureau reports to accurately identify member
financial needs and sales opportunities.
13. Understand and effectively implements all appropriate
regulations.
14. Accurately enter and complete loan applications into the Bellco
LPM system.
15. Adhere to current underwriting guidelines and loan closing
procedures; accurately complete loan closing documents; disburse
loans as required.
16. Access member accounts to accurately perform financial service
transactions.
17. May also be called upon to accurately perform any branch
duties.
18. Additions or modifications to these requirements may be made as
needed to maintain service levels to members.
19. Regular and punctual in person attendance.
Management retains the discretion to add to or change the duties of
the position at any time.
WORKING CONDITIONS:
Office environment.
Ability to stand for long periods of time
May require changes in hours to meet business needs.
"Bellco Credit Union is the one organization passionately committed
to improving our members' quality of life by building their wealth
and securing their financial future"
Keywords: Bellco Credit Union, Aurora , Sales and Service Representative - Colfax, Sales , Aurora, Colorado
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