Financial Services Consultant 1

Farmington

Description **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. Requirements **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 of customer service or client-facing experience, preferably in a financial services, retail, or hospitality environment. * 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.