Financial Services Consultant 1

Job Summary:

This role is a front-line member facing position that handles daily financial transactions, analyzes member’s 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
• Processes various transactions and answer member account inquiries. Post transactions to member’s account and maintain member records.
• Balances cash drawers at the beginning and end of shifts to ensure accuracy
• Balances cash drawer and other transactions correctly and according to standard operating procedures
• Issues cashier's checks, money orders, and bank drafts
• Verifies and reconcile 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), which includes compliance with 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.
• Complete Currency Transaction Reports (CTRs) and submit 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.

Required 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 and Experience:

• Minimum one year experience in 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.