Financial Partner/Universal Associate - Middletown, NY

Heritage Financial Credit Union•Middletown, NY

About The Position

Heritage Financial Credit Union is hiring a Financial Partner/Universal Associate to promote the financial well-being of new and existing members by building and deepening relationships, providing exceptional service, and recommending suitable account, loan, and other credit union products. The role combines branch transaction processing, member guidance, business-member outreach, referrals, and support for digital services. The associate also supports branch operations and works toward established 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.
Four or more 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, team collaboration, and community engagement.
Develop a 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.
Enthusiasm and commitment to exceptional service for internal and external members.
Needs-based selling skills 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, identification and endorsement verification, wire transactions, and cash-drawer balancing.
Help members set up ancillary business products, including Online Banking, Remote Deposit Capture, Merchant Services, and ACH Manager.
Assist branch management with ATM and vault balancing, new-employee training, and branch opening and closing procedures.
Understand business structures such as sole proprietorships, LLCs, and corporations, and develop knowledge of the credit union’s products and services.
Discuss commercial loan products and structures with business members, identify lending opportunities, understand required application documentation, and submit referrals to the Commercial Loan Department.
Participate in community events, volunteering, call campaigns, and business outreach.
Contact new members referred 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 work to achieve monthly goals, meet or exceed performance goals, and maintain high-quality work.
Respond to inbound member calls, assist with account placement and consumer loan products excluding real estate loans, and promote digital enrollment and adoption.
Perform account and loan intake and funding.
Manage digital inquiries and requests through channels such as chat, online accounts, and marketing leads.
Perform lobby engagement and first-impression opening activities each day.
Perform duties in compliance with federal and state regulations and credit union policies and procedures.
Open and close the branch as assigned by branch management.

Benefits

$1,250 sign-on bonus.
Paid time off and paid federal holidays.
Medical, dental, vision, and life insurance.
Employee Assistance Program.
Flexible Spending Accounts and Health Savings Accounts.
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.