Financial Services Representative II
About The Position
The Financial Services Representative provides personalized service to members to attract, enhance, and retain relationships. The role incorporates Service Plus into member contacts, builds relationships to retain and increase memberships, and cross-sells products and services to meet members’ financial needs. The representative knows and presents the features and benefits of available products and services, meets assigned share, deposit, lending, and referral partner targets, and supports Credit Union initiatives with a positive attitude. The position assists members with deposit accounts, product presentations, and lending needs; analyzes financial needs and makes appropriate referrals and sales; and backs up Member Service Representatives, including handling member transactions. The representative must comply with company policies and procedures and applicable laws and regulations, including the Bank Secrecy Act, Patriot Act, and Office of Foreign Assets Control requirements. This position is 100 percent on-site; remote and hybrid work are not supported. The role requires Saturday availability from 8:30 a.m. to 1:30 p.m. The Financial Services Representative II is a Grade 7 position with a target salary range of $28.56 to $35.70. Entry pay is between the grade minimum and midpoint depending on experience and qualifications.
Requirements
- High school diploma or equivalent.
- At least two years of experience in new accounts, product sales, and lending.
- Strong sales orientation and 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 and ability to make professional, effective presentations, promote Credit Union products and services, and address objections and concerns.
- Comprehensive understanding of loan products and 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.
- Availability to work Saturdays from 8:30 a.m. to 1:30 p.m.
Nice To Haves
- At least three years of Credit Union or banking experience is highly preferred.
- Experience with banking software.
Responsibilities
- Assist members in opening checking, savings, and certificate products.
- Provide dividend projections using system calculation forms and manual calculations, and negotiate rates within guidelines when necessary.
- Maintain an understanding of account ownership.
- Analyze members’ financial needs, ask leading questions, and cross-sell appropriate products and services.
- Present deposit, loan, and business banking products to members in an understandable and professional manner.
- Serve as backup for Member Service Representatives, including handling member transactions, as required.
- Conduct loan interviews and assist members with lending needs.
- Apply lending policies and procedures and process loan requests according to Credit Union lending guidelines.
- Meet assigned share, deposit, lending, and referral partner targets.
- Support Credit Union initiatives and comply with company policies, procedures, and applicable laws and regulations.
Benefits
- Medical, dental, and vision coverage starting 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.
- Paid time off and holiday program.
- Career growth support and planning programs.
- In-house fitness center.
- Discounts on new mortgages after six months of employment.
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
Education Level
High school or GED
