Financial Partner/Universal Associate - Pine Bush, NY

Heritage Financial Credit Union•Pine Bush, NY

About The Position

Heritage Financial Credit Union is seeking a Financial Partner to promote the financial well-being of new and existing members by building and deepening relationships through exceptional service and tailored financial solutions. The role guides members toward appropriate accounts and loans, cross-sells credit union services, makes referrals to other business lines, and processes cash and other transactions. It also supports business members by identifying commercial lending opportunities and submitting referrals to the Commercial Loan Department. The Financial Partner handles branch and digital service needs, supports branch operations, participates in community and business outreach, and helps members adopt the credit union’s digital services. The position contributes to employee development, workflow improvements, and the achievement of monthly performance goals, while complying with applicable regulations and credit union policies.

Requirements

High school diploma or equivalent required.
NMLS License required.
Notary License required, or must be obtained within 9 months of hire.
At least 4 years of extensive customer service and sales experience, preferably in the financial industry, including customer service, needs-based selling, goal achievement, cash handling, account and loan intake and funding, project participation, teamwork, and community engagement.
Acquire a foundational understanding of the credit union’s commercial loan products and submit referrals to the Commercial Loan Department as appropriate.
Gain working knowledge of Bank Secrecy Act requirements, comply with them, and cooperate with the designated BSA Officer.
Critical thinking and creative problem-solving skills, including the ability to develop business plans.
Active listening and the ability to anticipate and address internal and external customers’ needs and concerns.
Effective communication and collaboration with team members and peers.
Engagement, enthusiasm, and passion for delivering exceptional service to internal and external members.
Needs-based selling and exceptional product knowledge.
Microsoft Office software skills.

Nice To Haves

Bachelor’s degree preferred.
Financial-industry experience preferred.

Responsibilities

Process branch transactions accurately, including deposits, withdrawals, loan payments, transfers, check cashing, traveler’s checks, money orders, check holds, identity and endorsement verification, and wire transactions; maintain a balanced cash drawer.
Help members set up ancillary business products, including Online Banking, Remote Deposit Capture, Merchant Services, and ACH Manager.
Assist the Branch Manager and Assistant Branch Manager with balancing and maintaining ATMs and vaults, training new employees, and opening and closing procedures.
Demonstrate knowledge of business structures, including sole proprietorships, LLCs, and corporations.
Explain credit union products and services and discuss commercial loan products and structures with business members.
Identify lending opportunities during business-member account openings and submit thorough referrals to the Commercial Loan Department.
Participate in community events, volunteering, call campaigns, and business outreach.
Contact new memberships established through business partners to assess needs and offer appropriate products and services.
Recommend improvements to workflows, efficiency, and service quality.
Participate in employee development initiatives and pursue personal growth using available resources.
Organize priorities to achieve monthly goals and meet or exceed established performance goals while maintaining work quality.
Respond to inbound member calls and assist with account placement and consumer loan products, excluding real estate loans; promote and facilitate digital enrollment and adoption.
Perform duties in compliance with federal and state regulations and credit union policies and procedures, including applicable Bank Secrecy Act requirements.
Perform account and loan intake and funding.
Manage digital inquiries and requests through platforms such as chat, online accounts, and marketing leads.
Perform Lobby Engagement and First Impression Opening daily.
Open and close the branch as assigned by branch management.

Benefits

$750 sign-on bonus.
Paid time off and paid federal holidays.
Medical, dental, vision, and life insurance.
Employee Assistance Program.
Flexible Spending Accounts (FSA) and Health Savings Accounts (HSA).
Supplemental benefits including critical illness care, identity theft protection, pet insurance, and legal services.
BenefitsPlus+ perks program, including travel, entertainment, and gift cards.
CareNet benefits concierge service.
401(k) with 5% employer match.
Educational assistance.
Paid time to volunteer.
HFCU logo-wear.