Financial Services Consultant

Position: Financial Services Consultant 1

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Job Summary

This role is a front-line member-facing position that handles daily financial transactions, analyzes member needs, performs consultative selling for our financial products, and ensures a smooth onboarding and membership experience. Support the credit union’s mission, vision, and service standard. The role requires a high degree of integrity, compliance with regulatory standards, and a strong focus on delivering exceptional member service.

Essential

Job Duties Teller Duties

• Processes member transactions accurately and efficiently, including deposits, withdrawals, loan payments, and check cashing.
• Answers member account inquiries, posts transactions to member’s account, and maintains member records.
• Balances cash drawers at the beginning and end of shifts to ensure accuracy.
• Issues cashier’s checks, money orders, and bank drafts.
• Verifies and reconciles daily transactions to maintain accurate records.
• Proactively educates members of our products and services.

Member Service Duties

• Resolves any issues and problems faced by members, providing timely and regular updates.
• Maintains a high level of professionalism and confidentiality in all member interactions.
• Assists members with the following:
  • Deposit Accounts:
    Opening, closing, maintaining accounts and certificate of deposit.
  • Monetary Transactions:
    Share draft orders, stop payments, statement copies, check deposits, and cash deposits/withdrawals.
  • Deposit Services:
    Safe deposit boxes, direct deposits and payroll distributions, ATM/check card orders, pin numbers, and notary services.
  • Loans:
    Credit card, loans, and bill payments.
  • Business Accounts:
    Open DBA, sole proprietor, LLC’s and corporations.
  • IRA and Fiduciary transactions.
• Upholds the Credit Union’s compliance with the Bank Secrecy Act (BSA), including the Customer Identification Program and anti-money laundering policies and procedures.
• Reports unusual or suspicious activity in writing to the Risk, Legal and Compliance Department.
• Completes Currency Transaction Reports (CTRs) and submits them to the designated internal department for quality control in a proper and timely manner.
• Ensures all member interactions and transactions are conducted with integrity and in compliance with applicable laws and regulations.
• Performs other duties as assigned.

Financial Sales Duties

• Develops and maintains strong relationships with members, understanding their needs and providing tailored financial products and solutions.
• Engages with members to understand their financial situations and short-term and long-term financial objectives.
• Performs consultative selling to offer personalized products to members to help them achieve their financial goals.
• Collaborates with other departments, such as Investment Services, Consumer Lending, Mortgage and Business lending, to provide comprehensive financial guidance.
• Promotes financial products and services that are suitable for members based on their needs.
• Identifies opportunities for account and membership growth and cross-selling additional products or services.
• Maintains knowledge around products and services offered.

Requirements Skills & Abilities

• Excellent interpersonal and communication skills.
• Excellent organizational skills and attention to detail.
• Strong proficiency with Microsoft Office applications. Familiar and comfortable with information technology, particularly digital means of communication.
• Strong verbal/written communication skills.
• Adaptability and willingness to learn new skills and technologies.
• Ability to manage multiple tasks and prioritize effectively in a fast-paced environment.

Knowledge

• Ability to become thoroughly knowledgeable of Credit Union products and services, features, and benefits.

Education & Experience

• Minimum one year experience in the financial industry or consultative sales role or related experience.
• Minimum high school diploma, or more than one year of related experience.

Physical Requirements

Prolonged periods of sitting at a desk and working on a computer. Needs to be flexible with schedule to meet the needs of the organization and membership. Must be able to lift 20 pounds at times.

Salary Description

$20.00-$22.00 (Depending on Experience)

Seniority Level

Entry level

Employment Type

Full-time

Job Function

Finance and Sales

Industry

Banking

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