• Branch Customer Service Associate/Columbia

    Location US-MD-Columbia
    Posted Date 2 months ago(9/11/2018 1:23 PM)
    Job ID
    2377
    Category
    Hidden (5913)
    Schedule
    Branch Hours of Operation: Monday - Thursday 9:00am-4:00pm, Friday 9:00am-6:00pm and Saturday 9:00am-1:00pm
  • Overview

    The Member Service Associate handles various levels of member transactions and cross selling in an efficient and effective manner.  This position requires an effective understanding of the Credit Union's policies and procedures on processes such as: basic cash in/out transactions, system utilization, and regulatory compliance.  The MSA will be required to utilize member relationships techniques that pertain to good member service, sales skills, problem solving, and telephone interviewing etiquette. The MSA will be required to meet productivity standards and demonstrate accuracy and thoroughness within their job performance. MSAs will counsel members on Credit Union services/transactions that will improve their financial situation.

     

    The MSA will meet with members, potential members, and prospective borrowers either face-to-face and/or by telephone.  All MSAs may be temporarily assigned to other branches or departments in order to meet the business needs of the Credit Union. 

     

    This job description is also intended to be a road map for MSA career advancement. 

    • Newly hired MSA Is will be required to master their job duties      within the first six months of employment.
    • Newly hired MSA IIs will be required to master MSA I & II job      duties within the first six months of employment.
    • Newly hired MSA IIIs will be required to master MSA I, II &      III job duties within the first 6 months of employment. 
    • Internal advancement is available for MSA levels II, III, IV,      & V.  Prior to career advancement      approval, formal training programs must be completed and mastery of skill      sets must be demonstrated over a period of time. 

    Responsibilities

    Remains cognizant of and adheres to credit union policies and procedures, and regulations pertaining to the Bank Secrecy Act. 

     

     

    MSA I – Level I Duties and Responsibilities

     

    Handles member account transactions that may include deposits, withdrawals, transfers, cashing checks, selling money orders, traveler’s checks, and VISA gift cards

     

    Assist members and potential members with loan transaction and credit card inquiries

     

    Performs cash and check transactions including settlement of a cash drawer and balancing of end of day check items.

     

    Cross-sells Credit Union services and products

     

    Follow regulatory guidelines and risk management that may apply to transactions and/or processes

     

    Utilizes online resources and communicate proficiently through email to coworkers and members

     

    May assist with training newly hired Member Service Associates

     

    MSA II Duties and Responsibilities (Has all job duties of an MSA I)

     

    Performs more advanced cash transactions such as business account and IRA transactions  

     

    Answers phones and completes outbound sales calls

     

    Assist members and potential members with establishing and monitoring share/savings services

     

    Handles general new account applications and account openings

     

    Assist members and potential members with establishing advanced/specialty account services including Trust, Estate, Foreign and Non-Resident Alien accounts

     

    Handles complex member situations such as Deceased Member, Guardianships, and Representative Payee accounts

     

    Handles ACH/Payroll/Direct Deposit, Wire Transfers, and Stop Payment set up and changes

     

    Trains MSA Is

     

    MSA III Duties and Responsibilities (Has all job duties of an MSA I – II)

     

    Handles consumer loan and home equity application processing, document collection, and disbursements

     

    Advise members regarding available insurance protection (life, disability, gap, etc.)

     

    Trains MSA Is and IIs

     

    MSA IV Duties and Responsibilities (Has all job duties of an MSA I – III)

     

    Counsels and assists members with opening Tax Qualified accounts (HSAs & IRAs)

     

    Assist members with Investment Services and make qualified referrals

     

    Opens and/or understands Business Accounts and educates members on basic business lending services

     

    Utilizes Balance Presentation

     

    Handles written communications to members and coworkers 

     

    Assists members with account reconcilement

     

    Completes quality control processes

     

    Assist with Business Development activities

     

    Trains MSA Is - IIIs

     

    MSA V Duties and Responsibilities (Has all job duties of an MSA I – IV)

     

    Mentors employees in the MSA I-IV levels

     

    Has override privileges

     

    Provides cash management support

     

    May act as back-up Head Teller or have Branch Opening/Closing responsibilities

     

    Trains MSA Is - IVs

     

     

    ATTRIBUTES

    The MSA must possess attributes such as: detail ability, service orientation, social confidence, initiative, patient listening, and versatility.  MSAs must also be dependable and flexible.  Must be comfortable with sales and service.

    Qualifications

    QUALIFICATIONS

    To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required.

     

    EDUCATION and/or EXPERIENCE

    High school diploma or general education certification (GED).

    Outside Hires:

    • Six  months to one year relevant experience for MSA I
    • Greater than one and less than two years relevant experience for MSA II (as detailed in the job description/MSA Chart)
    • Greater than two and less than  three years relevant experience for MSA III (as detailed in the job description/MSA Chart)

    Requirements For Internal Advancement:

    • Completion of required Program training courses (classroom      and online) and consistent demonstration of knowledge and skills.

     

    LANGUAGE SKILLS

    Ability to read and interpret documents such as safety rules, operating and maintenance instructions, and procedure/policy/training manuals. Ability to speak effectively to members and coworkers.

     

    MATHEMATICAL SKILLS

    Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers and decimals. Ability to compute rate, ratio, and percent.

     

    REASONING ABILITY

    Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving several concrete variables in standardized situations.

     

    OTHER SKILLS AND ABILITIES

    Keyboard/typing, 10 key calculator, personal computer and Microsoft Office Suite, telephone, fax, copier, etc

     

    PHYSICAL DEMANDS

    The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

     

    While performing the duties of this job, the employee is regularly required to sit; use hands to handle, or feel objects, paperwork, tools, or controls; and speak intelligibly and hear. The employee is occasionally required to stand, walk, reach with hands and arms, and stoop or kneel.  The employee must regularly lift and/or move up to 10 pounds and occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision, depth perception, and the ability to adjust focus.

     

    WORK ENVIRONMENT 

    The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. The noise level in the work environment is usually low to moderate.

     

    NASA FCU is an equal opportunity employer committed to diversity in the workplace. We promote a drug-free work environment.

     

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