APGFCU - Your Community Credit Union! For over 80 years, APGFCU has shared our financial experience and provided valuable products and services to build stability and financial independence, one member at a time. We are looking for those who want to join this movement and become a part of a growing organization. We offer competitive pay and great benefits.

SUMMARY: Under the direction of the Branch Manager, initiate and build strong relationships with new and existing members by generating loan and deposit volume. Utilize credit union philosophy, uncover member needs and customize recommendations to improve financial well-being. Perform teller transactions and savings and loan maintenance for members. Assist Branch Management in developing a strong member focus among staff through coaching conversations. Supervise branch staff and coordinate daily workflow.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

Member & Teller Service:
* Provide courteous, personal and professional service to members.
* Develop strong member loyalty by interacting with members, anticipating their needs and offering credit union products and services, to include outbound calls to existing/prospective members to develop needs and solicit new business.
* Demonstrate the use of automated services to new and existing members in order to increase the percentage of members oriented to alternative channels.
* Open new accounts, service existing accounts and complete transactions such as deposits, withdrawals, loan payments, and check cashing for members.
* Resolve account problems and address concerns of dissatisfied members within established guidelines.
* Perform routine maintenance on deposit accounts, certificates of deposit and individual retirement accounts.
* Perform all daily teller duties to include opening, closing and balancing of the branch accurately.
* Consistently deliver quality member service, leading by example for other branch staff.
* Observe all safety and security policies and procedures and act as a lead in the dual control process.
* Demonstrate sound decision making by exercising authority to make exceptions on check holds and overrides.
Sales Expectations:
* Responsible for specific, measurable goals for shares, loans, payment protection, cross-selling and referrals based on credit union's strategic plan.
* Offer products and services to our members to help them save time, make money as well as offer convenience and peace of mind.
* Generate business by conducting outbound calls to include system and self-generated leads.
Loan Service:
* Protect members and the credit union by promoting payment protection.
* Proactively interview members and review debt held at other financial institutions for transfer to the credit union.
* Build rapport, use critical thinking and credit union philosophy of "people helping people" to uncover additional lending needs through credit review.
* Compile necessary documentation, define requirements and determine accurate payment information for loans.
* Review loan denials for possible recommendation for approval.
* Courteously communicate denials to members and offer alternative solutions and financial education as appropriate.
* Evaluate branch loan pipeline and create proposals for follow up and missed opportunities.
* Proactively offer convenience channels to disburse loans.
Membership Development:
* Maintain current member files for follow-up.
* Assist with membership calls as required for marketing of products and services and any other promotions.
* Generate ideas to enhance quality service, such as recommendation for workflow improvements and product innovation.
* Partner with branch management to support business development efforts such as open enrollments, visiting local businesses and staffing community events.
Quality Control:
* Identify and communicate product or service related issues and/or improvements resulting in higher quality products or services.
* Maintain adherence to all credit union policies, procedures and regulatory requirements, while demonstrating professional service skills and financial integrity, as due course of business.
* Assist branch management to complete quality inspections such as branch audits, surprise cash audits, savings and loan quality and negotiable item audits.
Leadership:
* Assist in training new staff.
* Assist branch management with administrative and operational duties such as branch opening and closing, system overrides, challenging member inquiries, auditing, human resources and security challenges.
* Direct and supervise staff.
* Review monthly reports to assess staff performance in relation to branch goals.
* Train and coach staff in quality service delivery, member service, interdepartmental relationships and sales.
* Provide feedback to branch management for performance evaluations, coaching opportunities and potential disciplinary action for branch staff.
* Direct overall member service and teller activities in the absence of branch management.
* Develop and lead with a philosophy focusing on honest, open communication, individual productivity and strong member focus.
* Assist branch management with sales and operational meetings.
Other:
* Perform other similar or related duties, as required or directed.
* Must have a flexible schedule, work Saturday hours, and travel to other branch locations.

-Responsible for completion of applicable training and compliance on federal regulations and APGFCU policies and procedures as related to the duties of this position (Bank Secrecy Act, Information Security as examples, if applicable).

QUALIFICATIONS:
EDUCATION:

• High School Diploma or equivalent with additional specialized training equivalent to two years of college. *Experience can be credited in lieu of education.
  

EXPERIENCE:

• A minimum of four (4) years of sales experience with financial institution products and services.
• Proficient in Microsoft Office.

PREFERENCES:

• Previous experience interviewing loan applicants and meeting sales goals for deposit, credit and automated products.
• Six months supervisory experience.
  
• Previous credit union experience.
• Interest in continuing education.

KNOWLEDGE, SKILLS, AND ABILITIES:

• Knowledge of financial institution products, services and operations.
• Excellent (written and verbal) skills in communications, customer service, human relations, and sales.
• Ability to help develop and implement business/sales plan.
• Strong time management, follow up and multi-tasking skills.
• Very strong member/customer orientation.
• Ability to work independently and as part of a team.
• Ability to solve problems quickly and make decisions in a fast paced work environment.
• Demonstrate flexibility and eagerness to learn and embrace challenge.

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 stand; walk; use hands to finger, handle, or feel objects, tools, or controls; and talk or hear. The employee frequently is required to reach with hands and arms. The employee is occasionally required to stoop, kneel, or crouch. The specific vision abilities by this job include peripheral vision, depth perception and the ability to focus.

APGFCU is an Equal Opportunity/Affirmative Action employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability to Protected Veteran status. Please use the attached link to view the EEO law poster http://www1.eeoc.gov/employers/poster.cfm

APGFCU is committed to working with and providing reasonable accommodations to persons of all abilities, including persons with disabilities. If you need a reasonable accommodation for any part of the employment process, please send to the Human Resources Department and let us know the nature of your request and your contact information. Reasonable accommodations are considered on a case-by-case basis. Please note that only inquiries concerning a request for reasonable accommodations will be responded to from this e-mail address.