Insurance Representative - Commercial Lines

Redwood Credit Union is a not-for-profit financial institution that believes in people over profits. Our mission is to passionately serve the best interests of our Members, team members, and communities. Sticking to that vision has made us one of the most loved financial partners in the many communities we serve. In fact, RCU is the 8th largest credit union in California-and growing. Due to this growth, we recently completed construction on our new, 8-acre campus in Napa and are ready to welcome more than 500 valued team members!

Since 1950, Redwood Credit Union has been helping people reach their financial goals and dreams with a focus on helping others. That people-first approach holds true for our employees, too. Our work environment is built on service and trust. It's all possible with a leadership team committed to hiring talented people and helping them develop their careers.

If this sounds like a place you'd like to be, we're eager to meet you!

Provide inside insurance sales support and service to RCU Members and RCUIS insureds interacting by phone, email or through virtual methods. The ideal individual is eager to build relationships by following-up on warm insurance sales leads and providing day-to-day servicing of clients or potential clients. Responsibilities to include addressing various coverage issues, handling inside service and sales work associated with existing polices, all endorsement activity, routine coverage questions, problem solving, renewals, and the binding of policies.

ESSENTIAL FUNCTIONS:

• Provide exceptional customer service to all internal and external customers.

• Follow up with Members referred to the insurance agency by branch, Member Service Center, or other departments to assist with insurance needs.

• Quote and bind new policies from leads or from existing insurance book.

• Assist customers with insurance questions, provide coverage options, and resolve problems as appropriate.

• Complete worksheets to facilitate insurance quotes and product claims.

• Provide consistent, accurate, and timely communication to insureds through, verbal, electronic, and written correspondence.

• Inform and educate customers about coverage, exclusions, and exposures.

• Maintain client files in the AMS and use the AMS for processing all transactions and documentation.

• Facilitate and respond promptly and appropriately to daily incoming mail, email, and phone insurance leads.

• Handle cancellations with care and act to save accounts, when possible.

• Assist in preparing proposals and applications, submit appropriately and follow up to ensure timely responses.

• Provide technical support to Agents with coverage, proposal, and suspense items.

• Assist in making appropriate coverage changes; inform and educate clients about coverage's, exclusions, exposures, and audit and document accordingly.

• Renew and re-market accounts as needed in conjunction with agency standards.

• Maintain files accurately and consistently documenting conversations.

• Order and issue binders, certificates, policies, endorsements, and other related items; verify accuracy; forward to client with appropriate correspondence.

• Review audits of policies; verify accuracy and facilitate corrections, as needed, between client and carrier.

• Coordinate billing and invoice accordingly.

• Update Epic system using the Epic guidelines.

• Set priorities and manage workflow to ensure efficient, timely and accurate processing of transactions and other responsibilities.

Administration:

• Request necessary paperwork that is not received from customers or Insurance Department employees.

• Work with credit life and disability, payment protection, GAP & MBP insurance carriers to process claims.

• Assemble and record paperwork for insurance sales as needed.

• Organize and complete both customer and insurance company inquiries.

• Work with Insurance team to process documents for insurance sales and renewals as needed.

• Complete daily, weekly, and monthly lead and sales tracking reports.

• Research and solve Member problems and complaints in an accurate and timely manner.

• Update database of customer information.

• Perform all functions in a security conscientious manner.

• Establish systems to facilitate insurance transactions more efficiently.

• Monitor the response time for insurance quotes, sales, and service response.

• Implement new CUSO/credit union related products and services with other employees of RCU Insurance Services.

• Provide feedback on marketing efforts.

• Visit branches/departments to promote the insurance agency.

• Perform other duties as assigned.

MINIMUM QUALIFICATIONS:

• Excellent interpersonal and customer service skills.

• Knowledge of financial and insurance products and services.

• Skilled in the operation of office equipment including personal computers with internet and intranet access.

• Strong communication skills and the ability to communicate effectively and efficiently both verbally and in writing.

• Ability to influence others outside of own work group with a solutions-oriented approach.

• Detailed oriented with thorough follow-through.

• Ability to coordinate a variety of activities simultaneously and prioritize work.

• Ability and desire to work in a team environment.

• Ability to analyze situations and recommend workable solutions.

• Ability to establish and maintain effective working relationships with a diverse group of people.

Licenses and Certifications:

• Must have a valid California Driver's License.

• Must have an active Property & Casualty Insurance License.

• Life or Life/Health Insurance License a plus.

Physical Requirements

• • Ability to stand, bend, stoop, sit, walk, twist, and turn.
• • Ability to lift up to 20 pounds.
• • Ability to use a computer keyboard and calculator.
• • Work environment is indoors, majority of the time is spent at a desk.

The ideal candidate will have a combination of education and experience equivalent to an associate degree and a minimum of three years' experience with sales and customer service at a financial institution, Credit Union, or insurance agency.

Compensation: Base starting range: $29.00 to $38.00 per hour commensurate with experience.

Our base salary starting range is based on scope and responsibilities of the position, candidate's work experience, education/training, key skills, and internal peer equity. We offer a competitive total rewards package including a wide range of medical, dental, vision, financial, and other benefits.

Redwood Credit Union offers a robust benefits package to our eligible employees including:

• Competitive medical, dental, and vision insurance, mental health offerings

• Employee performance incentive plan

• Salary Advancement- Merit increase based on performance

• 401(k) program with employer match

• Time Off- Competitive PTO accrual plus 11 paid company holidays and your birthday off!

RCU Discounts and Perks-

• RCU employees are eligible for a .75% discount off RCU standard collateral auto loans
• RCU employees are eligible for a 1% discount on all recreational or boat loan products
• 2% discount off Visas and LOC Loans through RCU
• 0% interest on garment, fitness, or home office equipment loan of up to $500
• 100% financing for employee purchased homes!

Why work for Redwood Credit Union?

• Local financial institution, providing unparalleled service since 1950

• Recognized by Newsweek as one of "America's Best Credit Unions 2024"

• Top 5 Healthiest Credit Union in the USA, rated by Glatt Consulting

• Voted Best Places to Work in the North Bay 18 years in a row

• World-class employee engagement scores

• Rated Superior in Service by more than 90% of Members, surveyed by SF Gate

• Recognized by Forbes as one of "America's Best Small Employers 2023"

Internal Team Members

If you are a current Team Member, please apply through the internal careers page located in RCUNET.

We are an Equal Opportunity Employer