Member Service Representative I
On-siteLexington Park, Maryland, United States
Job Summary
Process financial transactions for members and businesses via phone, mail, or in person, including deposits, withdrawals, loan payments, wire transfers, and safe deposit box services. Accept and handle various account openings for shares, drafts, business, trust, and IRA accounts while explaining procedures for stop payments, overdrafts, and disputes. Balance teller cash, reconcile checks, maintain ATMs, and process currency transaction reports and suspicious activity recommendations. Assist members with digital banking tasks such as password resets and enrollment, and perform notary public duties. Complete required educational courses and adhere to all regulations, including the Bank Secrecy Act.
Required Qualifications
- High school graduate
- Close visual acuity
- Perceiving the nature of sounds at normal speaking levels with or without correction
- Ability to receive detailed information through oral communication, either in person or on the phone
- Exerting up to 60 pounds of force occasionally, and/or up to 20 pounds of force frequently
- Negligible amount of force constantly to move objects
- Standing
- Walking
- Lifting
- Stooping
- Kneeling
- Crouching
- Bending
- Crawling
- Pushing
- Pulling
- Grasping
- Picking
- Pinching
- Typing
- Working primarily with fingers rather than with whole hand or arm
Desired Qualifications
- Some college
- One+ years financial experience
- Loan experience
- General office experience
- Excellent computer and internet skills
- Excellent organizational skills
- Strong skill in business letter writing
- Ability to interact comfortably with co-workers, members, and management
- Become and remain a Notary Public
- Have intermediate knowledge to open the following accounts; shares, share draft, sub shares, youth accounts, sole proprietor accounts, certificate accounts (excluding IRA)
- Have intermediate knowledge to explain the procedure of the draft account with regards to stop payments, non-sufficient funds for both checks and card transactions, overdraft protection and overdraft privilege
- Have basic knowledge to open business accounts, trust accounts, traditional and Roth IRA
- Have basic knowledge to process distributions, contributions, rollovers and transfers on both traditional and Roth IRA
- Have basic knowledge and ability to explain share insurance
- Process transactions using remote signature
- Assist members with digital banking to include but not limited to; resetting password, unlocking accounts, walking members through the enrollment process
- Have intermediate knowledge to process MasterCard and signature loan applications
- Offer and enroll applicants in any voluntary debt protection products available to the loan
- Perform credit checks as required and forward completed applications to loan officer for approval
- Process adverse and subsequent actions
- Have intermediate knowledge to discuss and process visa debit card disputes, ach disputes, stop pay for checks, teller checks and ACH and receive death claim information
- Have basic knowledge to discuss and process all collateral loans, to include titling paperwork and to process all other types of non-collateral loans
- Have basic knowledge of available commercial loans
- Complete required and recommended educational courses
- Follow all rules and regulations as applicable to job function, including but not limited to Bank Secrecy Act
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