Financial Advisor

Apple Federal Credit Union•Fairfax, VA

7d•Onsite

About The Position

The Financial Advisor helps employees, members, and new clients assess their financial goals, needs, and objectives, then provides personalized service and investment products. The role requires working knowledge of competitors’ products and involves analyzing client finances, evaluating investment options, developing investment strategies, and advising clients on financial products suited to their circumstances. The advisor maintains and periodically reviews client accounts, stays informed about markets and investment products, and conducts client meetings based on individual needs. The role also supports investment-program integration across the credit union, trains and mentors branch employees and licensed representatives, promotes financial services, develops new client relationships, and works toward sales and production goals. The advisor follows applicable credit union, FINRA, SEC, broker/dealer, and Bank Secrecy Act requirements and represents Apple Financial Services LLC with clients and external organizations. The position has no supervisory responsibilities, though it may involve mentoring or overseeing basic daily work when assigned a sales assistant or licensed Member Service Representative III partner. Consistent office hours are maintained at designated branches, and limited travel is required.

Requirements

Hold a FINRA Series 7 license and a Series 65 or Series 66 license.
Hold an active life insurance license.
Have three to five years of investment sales experience.
Have in-depth investment knowledge and exceptional sales skills.
Be able to use independent judgment and make sound business decisions.
Have strong presentation skills and a strong work ethic.
Have excellent interpersonal, written, and communication skills.
Be able to work in a financial institution branch environment and use standard office equipment, including a PC, fax machine, copier, and telephone.
Meet employment eligibility requirements following credit and background checks.

Nice To Haves

Previous experience in a credit union or community bank environment is preferred but not required.

Responsibilities

Identify and evaluate members’ financial-service needs, goals, and objectives, and develop investment strategies.
Analyze client financial information, investment objectives, market conditions, and potential investment options to recommend suitable products and transaction timing.
Collect client financial information using an approved profile form, including assets, income, liabilities, cash flow, risk tolerance, time horizon, and tax status.
Explain the advantages and disadvantages of different financial products.
Service and periodically review client accounts, meeting with clients monthly, quarterly, or yearly as appropriate to review needs and progress toward goals.
Stay current on market conditions, investment vehicles, products, services, and tax and securities consequences; complete required training and continuing education.
Meet regularly with the VP of Apple Financial Services LLC and train with the Vice President if necessary.
Support investment and program integration initiatives, including training branch personnel.
Provide feedback to branch employees and work with Branch Managers to identify cross-selling opportunities.
Mentor and support the licensed MSR III program and support product and campaign launches.
Market, service, and promote CFS financial services and products; prospect for clients and schedule appointments.
Maintain visibility with relevant public segments and conduct client workshops or seminars on topics such as Social Security, education planning, and retirement planning.
Initiate purchases or sales of financial products and execute transactions resulting from financial advice and related sales.
Pursue sales goals set by the VP of Apple Financial Services and meet or exceed activity and production goals in the business plan.
Develop and update a quarterly business plan with the VP of Apple Financial Services LLC.
Identify and develop relationships with product wholesalers.
Follow credit union, FINRA, SEC, and broker/dealer rules and regulations.
Represent Apple Financial Services LLC in relationships with major clients, industry organizations, regulatory bodies, and other external parties.
Maintain consistent office hours at designated branches and support the organization’s mission and corporate values.
Follow credit union policies, procedures, and applicable Bank Secrecy Act regulations.
Perform other related Financial Advisor duties as assigned by the Vice President of Apple Services.
If assigned a sales assistant or partnered with licensed Member Service Representative IIIs, mentor and oversee their basic daily duties in accordance with organizational policies and applicable laws.