Invest in People. Empower Success.
Universal Service Officer (USO) - Lacey
TwinStar Credit Union is seeking a Universal Service Officer to join our team at our LCUC(Lacey Credit Union Center) branch! This position is responsible for building valued financial relationships with our members by actively recommending and cross-selling credit union products and services that best meet our members' financial needs. This position will also perform routine member transactions including deposits, withdrawals, loan payments, transfers, and check cashing. At least 1 year of experience with customer service, cash handling, and sales in a financial services or retail environment is required.
Depending on qualifications this position could be filled as a USO I or II.
Essential Functions and Tasks:
- Greets members upon entrance to credit union in a courteous, timely, and professional manner; determines the member's needs and assists members or directs the member to the appropriate person.
- Escorts member back to station or where member is comfortable to offer assistance.
- Opens new share accounts (savings, checking, money market, certificate, business, organizational, and benefit accounts, individual retirement, trust accounts, estate, custodial, and guardianship accounts) or closes existing accounts by gathering and entering necessary information into computer system; and processes necessary paperwork.
- Posts transactions on computer system including deposits, withdrawals, loan payments, transfers, check cashing, credit and cash advances; and handles money orders, and cashier's check purchases.
- Creates and maintains a professional and effective business relationship with the member; provides members an opportunity to establish financial goals through recommending credit union programs to meet their specific needs (Financial Planning, BALANCE program, Business Services and 1st Mortgage, Home Advantage etc.).
- Teaches members how to best utilize newest technology by assisting them in set up and troubleshooting (tablets, smartphones, laptops, computers, etc.).
- Evaluates and verifies loan applications and credit criteria. Determines value of collateral. Approves loans within limits of authority and notifies applicants of loan decisions. Requests additional information, if required.
- Coordinates and processes closings. Ensures that each loan is promptly and properly prepared, documented, processed, approved and disbursed.
- Actively cross-sells and opens credit union products by utilizing account information to ask pertinent questions to assess member's financial needs.
- Contacts (on-boards) members in person, by letter, and phone to market products and services. Follows-up on contacts and increases penetration of member financial services while using CRM program.
- Protects the assets of the credit union by properly identifying members and performing transactions with accuracy.
- Maintains and balances cash within established limits.
- Performs a variety of account maintenance duties (i.e., name and address changes, etc.).
- Prepares and executes 90 day action plans. Establishes goals and achieves goals through effective sales programs designed to meet member needs.
- Exhibits effective written and oral communication skills. Displays professionalism in presentations to members and potential members. Displays a positive and professional attitude.
- Performs MIP (Member Identification Program) process as outlined in the credit union's Bank Secrecy Act procedure. Ensures the security and confidentiality of private member information. Completes Bank Secrecy Act related forms, including, but not limited to, the following: Currency Transaction Report, Suspicious Activity Report and Negotiable Instrument Log.
- Performs required OFAC (Office of Foreign Assets Control) check as outlined in the credit union's Bank Secrecy Act procedure and reports any positive matches to the Branch Manager or Designee.
- Monitors and communicates potential suspicious activity/transactions to the BSA Officer.
- Effectively participates in Sales and Marketing initiatives through educating our members of program features and benefits while contributing to overall branch production using the Schneider Sales Model.
- Uses established sales programs to meet or exceed production and referral goals established by Management.
- Represents TwinStar Credit Union at events as required.
- Attends required technical and sales training as required.
- Maintains well-developed working knowledge of the assigned duties and job functions; keeping up to date and requesting additional training and/or development as needed.
- Reports regularly to work and returns from breaks and meal periods on time according to the posted schedule.
Education, Experience, and Certifications Required:
Education
- High school graduate or GED
Experience
- At least 1 year of experience with customer service, cash handling, and sales in a financial services or retail environment.
Certifications
- Maintains an active status on the Nationwide Mortgage Licensing System and as defined by SAFE Act requirements. Failure to register successfully(including discrepancies in the background check) or to maintain a status in good standing under the SAFE Act will affect eligibility for continued employment and may result in immediate termination.
- Notary Public
Education and Experience Preferred:
Education
- Associates Degree (A.A./A.S.) in a related field
Experience
- 2-3 years customer service, cash handling in a financial services or retail environment experience.
- Experience opening new accounts
- Experience in consumer lending
ARE YOU READY TO JOIN OUR CREDIT UNION TEAM? Please fill out our mobile-friendly application. We look forward to meeting you!
Why Us?
We offer great benefits including medical, dental, vision, a flex spending account (FSA), 401(k), paid holidays, sick leave, generous vacation accrual, life insurance, tuition reimbursement, an employee assistance program (EAP), a wellbeing program, a fitness room at the corporate office, public transportation reimbursement, and more. You will join a culture that invests in people and empowers success!
About Us
You've probably heard that credit unions are different than banks, but what is it exactly? The big difference is you credit unions are not-for-profit cooperatives owned by the very people we serve, members just like you. We exist solely to serve our members, not to enrich a small group of stockholders. So decision making is a bit easier at credit unions we're seeking to return the most value to each member at all times. Credit unions are run by democratically elected and volunteer Board of Directors; it's democracy in action for the people by the people!
Location: 4540 6th Ave SE, Lacey, WA 98503
Status: Full-Time, Non-Exempt