Personal Banking Advisor - Troy

LMCU • Troy, MI

3d • Onsite

About The Position

Lake Michigan Credit Union (LMCU) is seeking a Personal Banking Advisor to serve as a financial consultant and advocate for new and existing consumer and business members. The role focuses on understanding members’ financial needs, providing expert guidance, recommending relevant LMCU products and services, and delivering exceptional service while building long-term relationships. Advisors set up accounts, process loans, and assist with a range of financial products while contributing to individual and branch goals.

The position requires consultative service, attention to detail, strong verbal and written communication, critical thinking, and the ability to provide solutions. Advisors also support branch operations, mentor peers, represent LMCU in the community, and comply with company policies and regulatory requirements. This position is based in Troy and is fully on-site.

Requirements

• Three to five years of similar or related experience, including preparatory experience.
• High school diploma or equivalent.
• Michigan Resident Producer Credit Insurance License for Michigan-based employees. External candidates without current licensure must pass the licensing examination and provide proof of certification within 90 days of hire.
• Ability to become registered through NMLS and obtain county notary certification.
• Strong interpersonal and communication skills to engage members and provide personalized financial solutions.
• In-depth knowledge of LMCU products and services and the ability to accurately process consumer and business accounts and loans.
• Demonstrated ability to meet sales targets and contribute to branch goals.
• Strong problem-solving and conflict-resolution skills, including the ability to handle challenging situations calmly and professionally.
• Adaptability and flexibility in responding to changing branch needs and demands.

Nice To Haves

• Additional coursework or banking experience.

Responsibilities

• Establish trust and rapport with members and provide personalized, consultative assistance with their financial needs.
• Educate members about LMCU products and services and identify appropriate cross-selling opportunities, including loans, credit cards, second mortgages, and other banking services.
• Use critical thinking and problem-solving to identify member solutions while mitigating risks to LMCU and members.
• Build member relationships and provide high-quality service that supports retention and satisfaction.
• Resolve conflicts and de-escalate difficult situations professionally and empathetically.
• Prioritize and organize tasks, complete timely follow-ups, and maintain accuracy in member dealings.
• Follow LMCU policies and regulatory requirements when processing transactions, handling sensitive member data, and maintaining security standards.
• Process consumer and business accounts, loans, credit cards, second mortgages, HSA or IRA accounts, and business account products accurately.
• Meet individual sales and customer-service targets and contribute to branch goals by promoting suitable LMCU products.
• Represent LMCU at sponsored community events and on-site business employer group sessions.
• Refer members to other LMCU departments, including Mortgage, Wealth, Premier, Insurance, Treasury, and Commercial services, when appropriate.
• Mentor and coach peers by sharing best practices for referrals, product knowledge, and sales techniques.
• Participate in LMCU projects, initiatives, and culture, promoting its core values and service standards.
• Adapt to changing branch needs and contribute to problem-solving in a dynamic environment.
• Assist with branch operations as needed, including transaction processing, vault responsibilities, and supervisor duties during Saturday shifts or other peak times.

Benefits

• Weekly pay.
• Retirement savings options.
• Comprehensive medical coverage, including prescription coverage, for full-time employees.
• Dental coverage for full-time employees.
• Vision coverage for full-time employees.
• HSA match for full-time employees.
• Paid parental leave for full-time employees.
• Tuition reimbursement for full-time employees.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: High school or GED