Financial Partner / Universal Associate

Rate of Pay : $20 - $23 per hour depending on experience

POSITION PURPOSE

As a Financial Partner you will be responsible for promoting the financial well-being of both existing and new members by building, maintaining, and deepening relationships through exceptional customer service and tailored solutions. This includes, but is not limited to, guiding members toward suitable account and loan products, cross-selling credit union services, and referring members to other lines of business as needed, along with handling cash and processing transactions efficiently

ESSENTIAL FUNCTIONS AND RESPONSIBILITIES

• Deliver exceptional member service by accurately processing all branch transactions following proper procedures which include deposits, withdrawals, loan payments, transfers, check cashing, traveler's checks, money orders, placing check holds, verifying identification and endorsements, wire transactions, and maintaining a balanced cash drawer.
• Assist members in setting up ancillary business products, including Online Banking, Remote Deposit Capture, Merchant Services, and ACH Manager
• Assist the Branch Manager and Assistant Branch Manager in balancing and maintaining ATMs and vaults, training new employees, and executing opening and closing procedures
• Demonstrate an understanding of various business structures, such as Sole Proprietorships, LLCs, and Corporations
• Demonstrate comprehensive knowledge of all products and services offered by Heritage Financial Credit Union
• Engage in conversations with business members about available commercial loan products and their structures
• Identify lending opportunities through discussions with business members while opening accounts.
• Participate in outbound activities such as community events, volunteering, call campaigns, and business outreach.
• Proactively reach out to new memberships established through business partners to assess needs and offer appropriate additional products and services.
• Recommend improvements to workflows, efficiency, and quality of service.
• Support and promote all HFCU initiatives for employee development, actively engaging in personal growth by utilizing available tools and resources
• Submit thorough referrals to the Commercial Loan Department
• Understand the documentation required for initiating a commercial loan application
• Engage with Heritage Financial teammates development initiatives and actively participate in personal growth using available resources
• Organize priorities effectively to achieve monthly goals while maintaining a high standard of work quality
• Meet or exceed established performance goals
• Respond to inbound member calls, addressing their needs by assisting with account placement and consumer loan products (excluding real estate loans) and promote and facilitating digital enrollments and adoption for all HFCU products and services.
• Perform duties in compliance with federal and state regulations, as well as Credit Union policies and procedures
• Performing account and loan intake and funding
• Manage digital inquiries and requests across various platforms, including chat, online accounts, and marketing leads
• Effectively perform Lobby Engagement and First Impression Opening daily
• Ability to open and close the branch as assigned by branch management

Requirements

EDUCATION / CERTIFICATION :

High School Diploma or equivalent required; Bachelor's degree preferred.

NMLS License required. A Notary License is required or must be obtained within 9 months of hire.

REQUIRED KNOWLEDGE :

Acquire a foundational understanding of the Commercial Loan Products offered by the credit union. Submit referrals to the Commercial Loan Department as appropriate.

This position requires that the employee gain a working knowledge of Bank Secrecy Act (BSA) requirements and how they will affect their work. The employee will comply with all requirements of the BSA and cooperate with the designated BSA Officer in assuring compliance

EXPERIENCE REQUIRED :

4+ years of extensive customer service and sales experience, preferably in the financial industry, encompassing areas such as customer service, needs-based selling, goal achievement, cash handling, account and loan intake and funding, project participation, team collaboration, and community engagement.

SKILLS / ABILITIES :