Position Overview

The Financial Services Officer (FSO) II & III is responsible for providing comprehensive financial services support to credit union members, including account servicing, transaction processing, and consumer lending. This role combines relationship-building, sales, teller operations, and loan processing, while ensuring compliance with policies and regulatory requirements.

Key Responsibilities

Member Service & Relationship Development

• Assist current and prospective members with daily banking needs
• Build strong relationships and proactively cross-sell credit union products and services
• Educate members to help them make informed financial decisions
• Open/close accounts, maintain IRAs, renew certificates, and process account changes
• Facilitate safe deposit box rentals and order checks/debit cards
• Refer members to Mortgage and Retirement & Investment Services

Problem Solving & Account Maintenance

• Respond to member inquiries and resolve account issues efficiently
• Perform account maintenance, stop payments, and data updates
• Ensure all service requests are completed accurately and documented properly

Teller Operations

• Process deposits, withdrawals, loan payments, wires, and cash advances
• Issue official checks and money orders
• Verify endorsements and negotiability of documents
• Balance daily transactions and resolve discrepancies
• Investigate and correct out-of-balance conditions

Sales & Performance

• Deliver exceptional, personalized member service
• Achieve sales, referral, and service goals
• Identify opportunities to deepen member relationships and grow a book of business
• Promote banking, insurance, and investment solutions

Lending Responsibilities

• Conduct loan interviews and explain loan options, terms, and rates
• Process consumer loan applications from start to funding
• Collect and submit documentation to underwriting
• Follow up to ensure timely and accurate loan processing
• Disburse loans and finalize closings in compliance with policies
• Provide payoff quotes, credit ratings, and vehicle valuations (NADA)
• Set up ACH transfers, wires, and automatic payments

Compliance & Documentation

• Ensure all services adhere to credit union policies and legal standards
• Prepare and maintain reports, records, and documentation
• Maintain full compliance with BSA (Bank Secrecy Act) requirements
  • Monitor transactions for suspicious activity
  • Follow all BSA policies and procedures

Qualifications

• Experience in retail banking or credit union environment required
• Strong background in member service, teller operations, and/or lending
• Proven ability to cross-sell financial products and meet performance goals
• Knowledge of consumer loan processing and documentation
• Understanding of BSA compliance requirements
• Excellent communication, problem-solving, and interpersonal skills
• High attention to detail with strong organizational abilities