Call Center Representative

Founded by a small group of educators, Michigan Schools & Government Credit Union (MSGCU) has been providing quality financial services to the community for 70 years and welcomes everyone in Michigan to bank with us. We are financial champions committed to helping our members achieve financial success by rallying behind them and their goals. As the sixth largest Credit Union in Michigan, MSGCU has 22 branch offices in southeast Michigan…soon to be 23! We have over 450 team members, more than 145,000 members, $3.5 billion in assets, and a 95% member satisfaction rating for two decades.

We are a caring organization that strives to ensure an equitable and inclusive culture where everyone is valued and respected. With regular coaching and continuing education, we grow champions – team members dedicated to championing the success of our members. Our commitment to team member engagement has contributed to the honor of being named a Top Workplace by The Detroit Free Press eleven years in a row.

If you have a passion for helping people and providing exceptional and dependable service, we want you on our team!

Information about our comprehensive total rewards package can be found here.

Call Center Representatives will work an average of 40 hours per week during our call center hours: Monday-Wednesday 8am-5pm, Thursday 8am-6pm, Friday 8am-7pm, and Saturday 8am-1pm.

Overview of Responsibilities: Delivers the desired member experience by providing high quality service by telephone, e-mail, and fax, including using active listening to identify and address/resolve member needs and cross sell products and services in order to deepen member relationships. Works as a productive, cooperative, and engaged team member to serve members and reach individual and Call Center team goals.

Essential duties and Responsibilities:

• Consults with members to obtain information and explain available financial services. Effectively listens for cues and reviews account data to determine the nature and extent of members’ needs, resolve problems, and suggest appropriate products and services.

• Provides routine information related to MSGCU services or policies, including eligibility for membership, types of accounts, insurance programs, loan policies, interest rates, current dividend rates, wire transfers, locations and office hours, and promotes virtual services channels.

• Performs a broad range of member service and teller functions including accurately processing savings, draft/checking, and certificate (CD) account transfers; assisting with setting up MSGCU’s automated services, processing address changes, check orders, and reorders; offering loan quotes, calculations, and rates; generating loan applications, entering application data with accompanying notes, and making loan payments.

• Inputs loan applications and determines if loans meet the criteria to process immediately. Accurately prepares and processes loan requests. Sets up closing date and provides instructions concerning documents needed to complete the closing process. Reviews applications and calls on loans not closed.

• Assists members with completing all arrangements and documents for automated services such as direct deposit, payroll deduction, automated teller machines (ATM), and audio response services. Assists with ordering Debit/Credit Cards and PIN numbers, audio access response PIN numbers, and Internet Banking.

• Mails IRA and certificate of deposit account applications and related documents. Processes deposits and/or distribution of funds to members’ accounts for IRA and CD transactions.

• Answers and returns all correspondence within established regulations, procedures, and performance and productivity standards.

• Understands and follows MSGCU policies, procedures, and guidelines.

• Assists other departments and branch offices as assigned.

Essential Knowledge, Skills, and Abilities:

• Member Focus: Builds strong member relationships (internal/external) by using active listening skills to gain insight into member needs, identifying opportunities to benefit the member, efficiently resolving problems, and providing superior quality service. Behavior consistently demonstrates engagement with members and commitment to MSGCU initiatives.

• Action Oriented: Takes on new opportunities and tough challenges with a sense of urgency and enthusiasm.

• Communicates Effectively: Develops and delivers communications (verbal, including via phone, and written) that convey a clear understanding of the unique needs of different audiences.

• Instills Trust: Gains the confidence of others by modeling honesty, integrity, authenticity, and behaviors that align with organizational values. Exemplifies courage by stepping up to address difficult issues.

• Self-Development: Actively seeks new ways to grow and be challenged using formal and informal development channels.

• Ability to collect and analyze data with average reasoning and mathematical ability.

• Ability to work in a highly organized environment with audible distractions requiring extended periods at a fixed workstation.

• Proficient with technology and software including Microsoft Office and other standard office equipment.

Essential Preparation and Training:

• High school diploma or GED; and

• Either of the following experience within a fast-paced customer service environment:

  • 1 year of experience within a financial institution, or

  • 2 years of experience within a call center with sales or production goals

• Suggestive selling and business solicitation experience in a financial institution preferred.

Working Conditions:

• Office and branch location environment with little discomfort from noise, extreme temperature, dust, or other factors.

• Occasionally required to travel throughout MSGCU's service area as business needs require.

• Exposed to potentially hazardous conditions, such as robbery. Receives detailed instructions and security procedures on an annual basis to minimize risk.

• This work involves sitting most of the time with brief periods of walking or standing and may occasionally require lifting and/or moving up to 10 pounds.

Compensation and Benefits:

Competitive salaries are just the starting point for MSGCU team members. We also champion our team members with generous health benefits, vacation time, retirement plan contributions and discounts on loans and phone service also come with the job.

• Base hourly pay begins at $19.25 / hour
• Team members in this role are eligible to earn incentives as part of our variable compensation plan
• Medical, dental and vision on your first day! You can choose the most generous Health Savings Account (HSA)-eligible medical plan with no monthly premium for you (and your family)
• If you are at least 21 years old, you will receive a 3% contribution from MSGCU, and a 100% match for the next 7% you contribute to your 401(k)
• You will enjoy 13 paid holidays and up to 120 hours of PTO your first year of service (pro-rated based on start date)