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.

The Take Home:

• Wages begin at $22.00/hour
• Bilingual employees fluent in Spanish & English earn an extra $1.50/hour
• Position eligible for monthly incentives
• Benefit eligible:
• Medical/Dental/Vision Insurance
• Up to 8% 401(k) employer match
• Education benefits like Student Loan Assistance and Tuition Reimbursement
• Auto & Mortgage Loan Discounts
• Paid Holidays & Time-Off

Visit Bellco's Careers & Benefits Page for more information.

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.
• Bilingual (Spanish) strongly preferred.
• 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 enter data and update member financial records accurately and efficiently via computer terminal.
• Strong communication skills, both oral and written

Equipment: Online computer terminal keyboard and visual monitor, calculator, copy machine, fax machine, telephone, printer, ATM, check signer, check-filmer, and security alarms

ESSENTIAL FUNCTIONS:

• Demonstrates Bellco’s WOW philosophy in all interactions with members, prospective members and personnel in other Bellco departments.
• Communicates with members in a positive manner both in person and/or by phone.
• Practices Bellco service standards in all interactions with members, prospective members and personnel in other Bellco departments.
• Deepens member relationships by cross-selling products and services.
• Contributes to corporate and branch goals and support current business priorities.
• Understands and communicate key features and benefits of all Bellco products and services including the various types of loan and deposit products.
• Communicates key mortgage product features including LTV, discount points and rate bumps escrows, mortgage insurance, etc.
• Demonstrates remote access financial service devices including Bellco Online, TellerPhone, and automated teller machines.
• Accesses 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
• Accurately enters and completes transactions including loan applications in Bellco systems.
• Opens 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.
• Analyzes credit bureau reports to accurately identify member financial needs and sales opportunities.
• Understands and effectively implements all appropriate regulations.
• Accurately enters and completes loan applications into the Bellco LPM system.
• Adhere to current underwriting guidelines and loan closing procedures; accurately complete loan closing documents; disburse loans as required.
• Access member accounts to accurately perform financial service transactions.
• May also be called upon to accurately perform any branch duties.
• Additions or modifications to these requirements may be made as needed to maintain service levels to members.
• Regular and punctual attendance.

Management retains the discretion to add to or change the duties of the position at any time.

WORKING CONDITIONS:

• Office environment.
• May require changes in hours to meet business needs.

Job Type: Full-time

Pay: From $22.00 per hour

Benefits:

• 401(k)
• 401(k) matching
• Dental insurance
• Health insurance
• Paid time off
• Referral program
• Vision insurance

Experience level:

• 1 year

Schedule:

• Day shift
• Monday to Friday

Experience:

• Banking: 1 year (Preferred)

Work Location: One location

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