Financial Services Officer

ABOUT US

Ascend is the largest credit union in Middle Tennessee and one of the largest credit unions in the United States, with over $4 billion in assets. With an occupation-based field of membership, Ascend is focused on the expansion and diversification of the select employee groups it serves, which creates greater security for the credit union and its member-owners. Approximately 650 employees serve more than 265,000 members from 28 Middle Tennessee branch locations, Regional Operations Center, Teller Center and Corporate Headquarters. Ascend recognizes that its employees are critical to the credit union’s sustained success and future growth. Our employees are the face of the credit union and their personal successes fuel the success of the team. Through collaboration between employees, management, our membership and our Board, we fuel an engine that propels the credit union forward.

WHAT WE OFFER

Thank you for your interest in a career with Ascend Federal Credit Union! Being employed by Ascend is vastly different than just holding a job. The credit union prides itself on providing employees rewarding career opportunities, competitive benefits and a unique work culture. The credit union’s commitment to its employees is fostered by its commitment to the member-owners, ensuring dedicated and engaged employees to serve the membership. Ascend’s vision to be the most loved credit union in our market by employees and members alike has earned the credit union distinctions including Federal Credit Union of the Year (NAFCU, 2015), Best Credit Union to Work For (2016-2026) and Training MVP Awards (2015-2026).

WHAT YOU WILL DO EVERYDAY

Travel and provide support to assigned branches, and on occasion to other branches, as needed during staff vacancies. Create a positive experience by ensuring members receive friendly, accurate and timely assistance when opening and modifying all account types including certificates, IRAs, Coverdell, HSAs, etc. as well as assisting members with consumer loan requests and other miscellaneous requests, services or functions, including utilization of the ITM system as needed. Serve in the capacity of teller and receptionist as needed.

HOW YOU WILL MAKE AN IMPACT

• Represent the credit union in a courteous and professional manner with all interactions. Provide prompt, efficient, and accurate service in the processing of transactions.
• Open consumer account types, youth, certificates, IRAs, Coverdell, HSAs, etc. and explain various accounts and ownership options. Prepare necessary documentation and accurately complete transactions. Obtain documentation for business accounts and refer business accounts to the business account specialists.
• Complete in-house Certified Credit Union Financial Counselor program. Provide financial counseling to members as needed.
• Discuss potential loan products and services and provide basic information to members and potential members, including loan options, rates, terms, etc. If member wants to proceed with an application, interview the consumer loan applicant, explain loan options, rates, terms and collateral requirements; prepare all necessary documents; obtain employment and upload income for verification; obtain credit reports; and assess member needs and cross-sell credit union services based on business that can be obtained from the credit report and member cues. Build successful long-term relationships with members by increasing use of credit union services. Explain different services and the benefits of each.
• Properly notify member of loan decisions, follow up on any approved loan to assure disbursement, including closing of approved Home Equity Lines of Credit. Maintain up-to-date knowledge of all aspects of the credit union's loan products including origination and closing rules and regulations for Home Equity Lines of Credit. Communicate with underwriters who decision AFCU equity loans regarding particulars of each application. Communicate with all AFCU members, employees and staff in a friendly and professional manner.
• Complete paperwork for loan changes and submit for approval.
• Recognize and refer mortgage leads to the mortgage department.
• Assist members with errors, complaints, account inquiries, card disputes or fraudulent transactions. Issue instant issue cards via Card Wizard Instant Issue system. Assist with problem resolution of online banking issues.
• Assist members with signing up for direct deposit and completing internal transfer requests. Prepare correct forms and maintenance the member's account accordingly. Forward documents to appropriate department or employer if applicable.
• Actively participate in credit union marketing promotions and branch sales programs in order to meet and exceed financial center goals, including debt protection, GAP and MMP sales.
• Rent safe deposit boxes, complete initial documentation, and collect initial rent payment. Allow member access to safe deposit box, or follow procedures to set up biometric reader access, if applicable.
• Process stop payments, process research requisitions and obtain statement copies. Provide notary service, process wire requests, redeem U.S. Savings Bonds, and process check orders/reorders.
• Responsible for maintaining attention to detail to ensure accuracy of work. Timely audit and examination of individual work produced is required. Resolve errors in a timely manner.
• Serve as receptionist and teller as needed. Assist members with the use of the ITM system as needed. Perform all teller duties as required, including loan and credit card cash advances, balancing cash drawer daily, check cashing, issuing cashier's checks, selling VISA gift/travel money cards, balancing and submitting electronic checks, etc.
• Follow policy and procedures related to the Bank Secrecy Act (BSA), Anti-Money Laundering (AML), Customer Identification Program (CIP), and Office of Foreign Assets Control (OFAC) daily to ensure compliance with current regulations.
• Make outbound calls.
• Assist in opening/closing security procedures of credit union offices.
• Read all internal publications including HUB and Possibilities.
• Perform other duties as required or assigned.

WHAT YOU WILL NEED TO SUCCEED

Education

• High School Diploma or equivalent is required
• Associate's Degree or specialized financial services training is preferred
• Obtain the Certified Credit Union Financial Counselor (CCUFC) designation by passing the CUNA Financial Counseling Certification Program (FICEP) exam

Work Experience

• 1-3 years minimum of one year customer service experience is required

Knowledge, Skills, and Abilities

• A high level of interpersonal skills to conduct productive interviews with loan applicants and cross sell credit union services to the membership.
• Excellent verbal and written communication skills to communicate professionally.
• Must be accurate in all teller transactions, including cash handling.
• Must be an accurate typist.
• A high degree of poise and tact to represent the credit union positively in all contacts.
• Ability to organize and prioritize work with minimum supervision.
• Must have reliable transportation as travel between multiple branches in one day is possible.
• Must possess a valid, unrestricted driver’s license.
• Working knowledge of computer programs including Microsoft Word, Microsoft Outlook, Microsoft Excel, IRA Service Center Software and the internet.
• Must be able to operate or have ability to be trained to operate related office equipment including calculator, cash dispense machine, laser printer, receipt printers, coin and currency counter, cash recycler, coin scan machine, Biometric SDB Access, computer terminal (PC), check/ID scanner, multifunction copier, cash advance machine, VISA instant issue machine and telephone.
• Regular and reliable attendance is required.

CONNECT WITH US

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