Consumer & Business Service Specialist - Scotts ...

Job Description:PRIMARY FUNCTION:Responsible for offering and selling financial products and services to both consumer and small business members. Performs thorough needs assessments on members and small business prospects and members to grow and deepen member relationships while ensuring quality member service. Primary focus is around small business lending, consumer lending, real estate lending, and building and growing a book of business.JOB DUTIES AND RESPONSIBILITIES:Provides superior member service by accurately and efficiently performing all member service related transactions in accordance with VACU policies and procedures. Skilled in assessing consumer and business member needs, providing solid advice/recommendations, and building strong relationships based on mutual trust in order to optimize sales opportunities with new and existing member/business clients. Primary point of contact within each branch for small business clients and the resident expert for small business products and services. Will spend the majority of their time focused on small business prospecting and deepening business membership needs, including small business lending packages, memberships and account openings. Expected to make outbound calls and in-person visits to small business prospects and existing small business members to deepen relationships and uncover sales opportunities. Professional communication skills with business acumen are expected in order to effectively communicate through emails to business members and business prospects Expected to grow business prospects while nurturing and deepening existing business memberships in order to effectively build a book of business. Expected to have a strong understanding of all mortgage and equity products in order to provide proper guidance and recommendations. Ensure the member's needs are met by partnering with the appropriate specialist and/or teammate to serve the member's banking, small business, mortgage, and investment needs. Ability to build solid relationships with teammates, business partners and specialists by fostering teamwork, partnership and collaboration. Demonstrates initiative, a commitment to continuous learning, and the ability to adapt to changing demands and requirements Demonstrates appropriate knowledge of all VACU policies and procedures related to the platform, including Security and Information Security Establishes member relationships through quality service and cross selling VACU products/services to meet member needs Handles each transaction proficiently and accurately, exercising good judgment and seeking approval for any transaction exceeding assigned levels of authority Partners with branch management team on all sales and service initiatives Demonstrates the ability to provide effective decision making that is in the best interest of VACU, the branch and the member Must maintain appropriate knowledge of all VACU products and services Answers the phone and respond to member phone inquiries professionally and accurately Building and retaining member relationships by performing follow - up and courtesy calls to members. Responsible for ensuring that business goals and individual member service and sales goals are consistently met. Provides quality service by following all member service expectations Responsible for delivering high quality service and needs based sales to members Required notary certification. Must stay informed of all notary rules and regulations. Comply with all published enterprise level policies and procedures including, but not limited to, Risk Management policies. Complete all required, ongoing enterprise level training including, but not limited to BSA, OFAC, and Information Security. Report all Risk Management Policy violations in accordance with policy. Must develop and maintain a working knowledge of all applicable federal and state regulations including corporate policies and procedures. Stay up to date on all required loan documents, systems, credit reports and related lending documents. Other duties may be required and assigned by the supervisorJOB QUALIFICATIONS:Knowledge: Demonstrates understanding of products and services offered by financial institutions with a primary focus on competitive business lending, products, and services.Skills: Satisfactory computer skills required.Abilities: Professional and effective communication and public relations skills, cross-selling, problem solving and interpersonal skills. Sound judgment. Ability to handle difficult situations. Ability to handle multiple tasks. Professional appearance and manner.Minimum Education and Experience:College graduate with concentration in business. May substitute work experience.Preferred experience in business banking and building a book of businessSignificant experience with a financial institution with an emphasis on salesMust be able to be actively registered with the Nationwide Mortgage Licensing System and Registry (NMLS)PHYSICAL REQUIREMENTS:This job requires the ability to sit and stand for long periods of time.This job requires occasionally lifting up to 50 pounds and/or up to 30 pounds frequently.BenefitsMedical/Dental InsuranceTuition Reimbursement401K plus ContributionCredit Union funded PensionCommunity EngagementKeywordsSmall Business Banking, Sales, Consumer Lending, Mortgage, Equity products

Created: 2024-11-01