Financial Services Representative II

MERIWEST CREDIT UNION•San Jose, CA

3d•Onsite

About The Position

The Financial Services Representative II provides personalized service to members to attract, enhance, and retain relationships. The role incorporates Service Plus into member interactions, builds relationships to retain and grow memberships, and cross-sells products and services to meet members’ financial needs. The representative must understand and professionally present the features and benefits of available products and services, meet assigned share, deposit, lending, and referral-partner targets, and support Credit Union initiatives. This position assists members with checking, savings, and certificate accounts; dividend projections; and lending needs. It also provides presentations on deposit, loan, business banking, and insurance products, processes loan applications according to Credit Union lending guidelines, and provides backup coverage for Member Service Representatives, including member transactions. The role requires compliance with company policies and procedures and applicable laws and regulations, including the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control. The position is based at the Hillsdale Branch and requires 100 percent on-site presence; remote and hybrid work are not supported. The representative must be able to work Saturdays from 8:30 a.m. to 1:30 p.m.

Requirements

High school diploma or equivalent required.
At least 2 years of experience in new accounts, product sales, and lending.
Extremely sales-oriented, with a strong desire to surpass goals and sales targets.
Proven ability in a competitive sales environment.
Knowledge of business banking deposit accounts and payroll and merchant services, and ability to promote business banking loan options.
Excellent communication skills for professional and effective presentations to members.
Ability to promote Credit Union products and services and overcome objections and concerns.
Comprehensive understanding of loan products.
Full-cycle knowledge of new account functions.
Ability to work independently, exercise judgment, follow instructions, and maintain professional conduct.
Strong customer service focus and previous experience in a service industry.
NMLS SAFE Act compliance; must obtain and maintain an NMLS number as required by the SAFE Act.
PC literacy; experience with banking software is a strong plus.
Must be able to work Saturdays from 8:30 a.m. to 1:30 p.m.

Nice To Haves

At least 3 years of prior Credit Union or banking experience is highly preferred.
Experience with banking software.

Responsibilities

Provide personalized service to attract, enhance, and retain member relationships.
Incorporate Service Plus into member contacts and build relationships that retain and increase memberships.
Cross-sell products and services to meet members’ financial needs.
Know and professionally present product and service features and benefits.
Meet assigned share, deposit, lending, and referral-partner targets.
Support Credit Union initiatives with a positive attitude and willingness to get the job done.
Assist members in opening checking, savings, and certificate products.
Provide dividend projections using system calculation forms and manual calculations as needed.
Negotiate rates within established guidelines when necessary.
Maintain an understanding of account ownership.
Analyze members’ financial needs and ask leading questions to effectively cross-sell products and services.
Present deposit, loan, business banking, and insurance products and services to members in an understandable manner.
Serve as backup for Member Service Representatives, including handling member transactions, as required.
Assist members with lending needs through loan interviews.
Maintain an understanding of lending policies and procedures.
Process loan requests using loan applications and in accordance with Credit Union lending guidelines.
Comply with company policies and procedures and applicable laws and regulations, including the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.

Benefits

Medical, dental, and vision coverage beginning on the first day of employment for full-time employees.
Free long-term care insurance for employees.
Tuition reimbursement and student loan repayment plan.
Pension plan and 401(k).
Bonus and incentive potential.
Generous paid time off and holiday program.
Career growth support and planning programs.
In-house fitness center.
Discounts on new mortgages after 6 months of employment.
Competitive wages and a supportive environment that promotes career advancement.