Financial Partner/Universal Associate - Pine Bush, NY
About The Position
Heritage Financial Credit Union is hiring a Financial Partner to promote the financial well-being of existing and new members by building and maintaining relationships, providing exceptional service, and recommending tailored account, loan, and other credit union solutions. The role includes processing financial transactions, handling cash, identifying lending opportunities, referring members to other business lines, and supporting members in using digital services. The Financial Partner supports branch operations, including assisting with ATM and vault balancing, training new employees, opening and closing the branch, and following applicable procedures. The role also involves engaging business members about commercial loan products, supporting ancillary business services, participating in community and outreach activities, responding to members across in-person, phone, chat, and online channels, and meeting established performance goals. Employees are expected to comply with federal and state regulations, credit union policies, and Bank Secrecy Act requirements, and to participate in professional development. The position is based in Pine Bush, New York. The listed pay range is $20.00–$23.00 per hour, depending on experience, with a $750 sign-on bonus.
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.
- Experience encompassing customer service, needs-based selling, goal achievement, cash handling, account and loan intake and funding, project participation, team collaboration, and community engagement.
- Acquire a foundational understanding of the credit union’s commercial loan products and refer members 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, creative problem-solving, and business-plan development skills.
- Active listening and the ability to anticipate and address internal and external customer needs and concerns.
- Effective communication and collaboration with teammates and peers.
- Demonstrated engagement, enthusiasm, and passion for delivering exceptional service.
- Needs-based selling skills and excellent 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.
- Understand business structures such as sole proprietorships, LLCs, and corporations.
- Maintain comprehensive knowledge of Heritage Financial Credit Union products and services.
- Discuss commercial loan products and their structures with business members, identify lending opportunities, and submit thorough referrals to the Commercial Loan Department.
- Understand the documentation required to initiate a commercial loan application.
- Participate in community events, volunteering, call campaigns, business outreach, and other outbound activities.
- Contact new members referred through business partners to assess needs and offer appropriate products and services.
- Recommend improvements to workflows, efficiency, and service quality.
- Support credit union initiatives for employee development and engage in personal growth using available resources.
- Organize priorities to achieve monthly goals while maintaining work quality, and meet or exceed performance goals.
- Respond to inbound member calls, assist with account placement and consumer loan products other than real estate loans, and promote digital enrollment and adoption.
- 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.
- Comply with federal and state regulations and credit union policies and procedures.
- 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.
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What This Job Offers
Job Type
Full-time
Education Level
High school or GED
