Outbound Sales Representative

About Us:

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:

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 (2016-2023) and Training APEX Awards (2015-2024).

Overview:

Develop new business for the Credit Union. Educate members who open accounts via the Indirect Lending program and the Credit Union's online service. Educate and make members aware of Credit Union products and services. Counsel members concerning credit and cross-sell products and services to meet member needs.

Responsibilities:

• Contact current and potential members using methods such as telephone, email and direct mail and follow-up as needed.
• Maintain and present to members and potential members up-to-date knowledge of credit union products and services and communicate advantages and benefits in a way that is fluent and insightful. Identify and execute opportunities around the Credit Union’s products and services.
• Respond to members' needs in a timely manner by returning phone calls, answering emails, etc.
• Analyze, identify and report successful business development methods to management.
• Originate consumer and home equity loans applications taken by phone.
• Open new accounts, including share, share draft, Christmas Club and Money Market.
• Effectively manage inbound/outbound calls, while consistently maintaining a high level of accuracy.
• Manage high production volumes in a fast paced environment.
• Advocate for the member and act as a liaison between the consumer underwriter and the member, to gather information required to render a decision. Communicate loan options, rates, terms, stipulations and other requirements to the borrower.
• Conducts outbound calls within established timeframes to communicate lending decisions. Discuss credit enhancement tips if the borrower(s) has challenging credit. Identify and cross-sell insurance products that complement the appropriate lending product.
• Read and interpret income verification, credit reports, Carfax reports, collateral values including JD Power, KBB, AVM, and real estate appraisals.
• Assist members with inquiries and provides general information about the credit union and its loan policies by mail, telephone or email.
• Consistently meet or exceed department and individual sales and production goals.
• Ensure loan applications are complete and accurate.
• Complete any servicing that is required post loan disbursement which includes, but is not limited to, ordering coupons, ordering credit cards, setting up automatic payments, notifying other departments of any pertinent information pertaining to the new loan.
• Complete any servicing that is required post new account creation which includes, but is not limited to, mailing a welcome packet, ordering debit/ATM cards, setting up online banking, and notifying other departments of any pertinent information pertaining to the new account.
• Maintain consumer confidence by keeping loan and account information confidential.
• Thoroughly reviews all member documentation presented to determine legitimacy including, but not limited to, state or government issued identification, pay statements, and other member presented identifying documentation.
• Review fraud alerts and research member information regarding risk or fraud.
• Recognize fraud scenarios and documentation such as fraudulent paystubs, lease agreements, W2s, etc.
• Review membership information and identification documents identifying when there are discrepancies or irregularities, to determine the validity of information.
• May assist with the training of other personnel in the department as assigned.
• Provide continuous feedback to supervisor.
• 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.
• Read all internal publications including HUB and Possibilities.
• Perform other duties as required or assigned.

Qualifications:

• High School Diploma or equivalent required
• 3-5 years of similar or related experience required
• Must possess the knowledge, skills and ability required to execute the essential functions in a satisfactory manner.
• A high level of problem solving skills, and the ability to communicate in a clear, concise manner.
• Must treat all members and outside contacts in a positive and cooperative manner.
• Excellent verbal communication skills to communicate professionally.
• Works under general supervision and relies on experience and judgment to accomplish the goals of the department.
• A high degree of poise and tact to represent the credit union positively to the membership and outside contacts.
• Ability to organize and prioritize work with minimum supervision.
• Must be able to manage multiple projects and prioritize multiple tasks.
• Must be accurate in all loan transactions and new account transactions.
• Working knowledge of computer programs including Microsoft Word, Microsoft Outlook, Excel and the internet.
• Must have ability to operate or have ability to be trained to operate related office equipment including calculator, check and receipt printers, computer terminal (PC), photocopier, and telephone.
• Regular and reliable attendance is required.