Job Overview Welcomes members into the branch and provides
professional expertise in the service and sales of deposit products, loan
products, and convenient services through effective rapport building skills,
proficient knowledge, and the promotion of the credit union’s brand of savings,
transparency, and financial education. Responsible for meeting established
Credit Union and Branch goals through active participation in sales programs.
Originates, underwrites and closes consumer and home equity loans following
outlined TruStone Financial policies and procedures and adhering to regulations
governing the financial services industry. Accurately and efficiently interpret
and process a wide variety of financial inquiries, account openings, service
requests, and transactions. Secures credit union assets, balances transactions,
and completes necessary reports.
Responsibilities | Essential Functions,
Duties and Responsibilities
- Originate, underwrite and close consumer loans
following established underwriting criteria.
- Originate, underwrite and close
personal loan accounts including home equity loans following established
policies and procedures.
- Build new relationships outside of the branch
through effective sales techniques.
- Sell and open personal and business
deposit accounts, including but not limited to IRA’s, HSA's, Trusts, Estates,
and convenient services following established standards and procedures.
sell the Credit Union’s products and services. Promote business for the Credit
Union by maintaining strong member relations and referring members to
appropriate staff for new services.
- Effectively develop new member and
business sales to achieve individual and branch monthly goals through sales,
referrals and retention of account relationships.
- Recognize and maximize
opportunities to up sell members on TruStone products that would be mutually
beneficial to the member and TruStone Financial.
- Respectfully communicate
underwriting decisions to members and provides credit report education with both
approvals and denials.
- Serve as an in-branch mentor to less experienced staff
with providing leadership training and handling more complex questions and
- Takes responsibility for referring loans outside of
credit granting authority limits to appropriate staff.
- Recognize member
needs for advanced products such as investment and mortgage products and
seamlessly refers members to appropriate staff.
- Participate in community
outreach events to help grow the branch and promote the credit union.
Demonstrate a work style that is consistent with TruStone’s values and takes
personal responsibility for own learning and development to support those values
and the credit union’s success.
- Maintain up to date knowledge and adheres to
all regulations, policies, procedures, and standards that pertain to this
- Community involvement: Promote business for TruStone Financial by
developing client relationships within the community.
- Make outbound calls to
build business relationships with TruStone membership.
- Provide friendly,
helpful service that builds member relationships through:
a. Preparing for daily
interactions with a professional image and an organized workstation.
Maintaining knowledge of TruStone products and processes.
responsibility for waiting members.
d. Proactively greeting members with a
smile, introductions, and full attention.
e. Understanding the member’s
objectives by asking appropriate questions and listening to the member’s
f. Engaging with members: begin a conversation, build report, and ask
about their personal finances.
g. Recommending the best solution to strengthen
the member’s financial well-being or guiding the member to the appropriate staff
to fulfill their needs.
h. Interpreting and processing member requests including
transactions such as opening/closing a member’s account, cashier’s checks, and
transferring funds accurately and efficiently.
i. Skillfully researching and
resolving errors and disputes for members.
j. Following up with the member to
- Open consumer and business deposit accounts and
convenient services following established standards and procedures. Explain all
features, benefits, and fees of the account or service with transparency and
expert knowledge. Teach members to use the account or service to improve their
financial well-being and provides any ongoing correspondence. Accurately and
efficiently prepares documents.
- Provide financial education to members in
personal finance matters, including:
a. Understanding the banking system
Creating a regular savings plan
c. Explaining compounding dividends and finance
e. Reconciling bank statements
f. Understanding credit
Teaching children about money h. Introducing small business banking
member service requests including account maintenance, research, reconciliation,
- Secure the credit union’s assets by handling cash,
negotiable instruments, wire transfers, and certificates of title in a
consistent manner, properly identifying members, keeping member information
confidential, balancing at the end of each business day, and completing
necessary reports that summarize daily activities.
- Ability to open and close
the branch in the absence of branch management staff. Acts as liaison between
management and other branch staff.
- Promote a positive image of TruStone with
all members. Appropriately escalate member issues to supervisor.
- Required to
meet TruStone’s Customer Service Profile (CSP) performance standards.
Responsible for regular and reliable attendance at the workplace.
other duties as assigned, including floating to other branches and filling in as
a Member Service Representative
Major Skills and Competencies
- Must possess
highly-developed interpersonal skills, a positive attitude, and a desire to help
- Must have the ability to identify member opportunities for financial
improvement, teach financial concepts, communicate recommendations, and provide
- Ability to analyze and solve situations independently.
possess effective verbal and written communication skills.
- Must have reliable
- Must possess good judgment.
- Ability to perform calculations
and possess proficiency in basic math skills.
- Ability to organize and
prioritize work and maintain accurate records.
- Projects a professional image.
- Ability to confidently approach prospective members.
- Bachelor’s Degree in Finance, Business Administration
or a related field, or four years of equivalent work experience.
- Two years of
cash handling experience or experience serving and interacting with customers. •
Satisfactory completion of pre-employment screening.
- Must meet SAFE ACT
- Previous experience
recommending products and plans to improve a customer’s financial position.
Previous experience underwriting loans.
- Expert knowledge of banking and/or
credit union regulations
About the Organization
TruStone Financial is a
full-service, member-owned credit union that provides simple yet competitive
financial tools to empower members’ financial well-being. Its neighborhood
credit union strives to make each interaction greater than any transaction,
seeing it as the neighborly thing to do. As a credit union founded by teachers
in 1939, TruStone Financial has grown to include 14 branches across Minnesota
and Wisconsin in addition to its Plymouth, MN corporate office. TruStone
Financial is looking for new people to join its ever evolving team as it
continues to improve the financial lives of its members.
How to Apply
TruStone Financial Federal Credit Union