Personal Financial Consultant III (Personal Banker) - Copper State Credit Union

Are you looking for an opportunity to let your skills shine? Come join the team at Copper State Credit Union! We aren't so small that growth opportunities are scarce and we aren't so big that you'll get lost in the shuffle. With only 140 employees, we are able to offer similar products and services as our larger competitors, but on a more personalized scale, both with our members and our employees. This approach provides our employees the opportunity to get involved in the organization in a way they may not be able to, in the corporate world. At the credit union, we value the contributions of our employees and actively look for ways to be collaborative, within all levels of the organization. Here, you will have the opportunity to roll up your shirtsleeves, put your unique skills to work, and have a voice in developing your role from the ground up.

As a Personal Financial Consultant III, you will:

• Demonstrate a highly motivated, positive, outgoing, influential personality with a strong emphasis on sales and results orientation to ensure the credit union maximizes lending and sales opportunities with members. 
• Interview members to discuss member’s overall financial position and complete all aspects of the lending and account opening process for savings, checking, credit cards, personal, auto, and home equity loans, money markets, IRAs, and CDs. 
• Utilizing basic business account acumen, work with existing, new, and potential business members to serve their business needs including opening, processing, and closing all types of business accounts, loans, and merchant service recommendations.   
• Explain loan options, rates, terms, NADA value quotes, and collateral requirements.  Advise members on the best solution to meet their needs.  Assists member with loan application and submittal.  Communicates loan decisions to members and disperses approved loans. 
• Obtain signatures on loans, verify identify, satisfy any disbursement conditions, and fund loan.  Set up automatic payments complete checklist making sure all system changes/entries are completed.  Forward all documents and title documentation to the Consumer Lending Department
• Through the use of “warm” calling, make contact with existing members to proactively seek new membership, increase sales opportunities and provide follow-up service with a focus on growing our high value member base, loan, and deposit growth.
• Process all cash and non-cash transactions such as payments, transfers, withdrawals, incoming and outgoing wire transfer requests, stop payments on share draft and credit union checks. 
• Assist with vault counting, balancing, and the ordering of cash.  Balance night drop, branch, ATMs, money orders, etc.  
• Actively cross-sell credit union products and services, making recommendations to members, and, if appropriate, referrals to business partners including mortgage lending and financial advisor.  Make contact with existing members to proactively seek new memberships, increase sales opportunities and provide follow-up service. 
• Serve as a trusted advisor to membership by viewing situations from the member’s perspective to effectively respond to their needs and concerns, often going beyond the initial need or expressed concern of the member by promoting member care, answering member queries, and researching member accounts.    
• Respond to member inquiries regarding credit union services and/or account discrepancies.  Obtain and route necessary information to support departments for extensive account research and/or adjustments.  Works closely with other departments in obtaining information and ascertaining necessary corrections.  Coordinates a response to member inquiries and ensures prompt answers. 

To be successful in this role, you will need the following competencies:

Technologically Astute  Demonstrates the ability to use technology to effectively and efficiently perform job functions.

Results Orientation  Is keenly aware of personal, team, departmental and company-wide goals and is able to prioritize work to achieve funding goals. Demonstrates the ability to excel in a high stress environment and is able to meet goals and deadlines.

Service - Demonstrates an unsurpassed commitment to exceptional member service. Explains recommendations, products and services in ways employees can easily understand. Demonstrates patience, respect and empathy when dealing with employees or their complaints. Personifies CSCU's role as a Trusted Advisor.

Initiative  Motivated self-starter who measure self against standards of excellence. Actively and consistently seeks qualified opportunities to increase loan volume and residual product penetration.

Accountability  Demonstrates responsibility for providing timely and accurate information, responses and decisions to internal and external members. Willingly accepts and embraces constructive coaching and feedback as needed.

Effective Communicator  Persuasive and confident. Explains recommendations, products and services in ways employees and members can easily understand.

Teamwork  Builds rapport with fellow teammates and credit union staff.

Skills/ Requirements

• Requires education equivalent to a four-year high school education or general education degree (GED).  Some post-secondary education preferred.
• At least 2 years previous sales experience and/or teller experience in a financial institution or early mastery of Personal Financial Consultant II skills required.   
• Professional well developed interpersonal skills essential for servicing credit union members and projecting a positive image as representative for the credit union.  Approaches others in a tactful manner, reacts well under pressure, accepts responsibility for own actions, and follows through on commitments. 
• Requires sound and accurate judgment. Displays a willingness to make decisions in a timely manner, usually within established guidelines. Includes appropriate people in decision-making process and can support and explain reasoning for decisions.
• Requires excellent interviewing and interpersonal skills, ability to listen to members’ needs and promote appropriate credit union products and services. 
• Knowledge of consumer lending and account opening and closing preferred.
• Knowledge of PC applications including Word and Excel required.  Experience with automated core banking system preferred. Experience utilizing smartphone and tablet applications preferred.
• Intermediate mathematical skills required (calculations and concepts involving decimals, percentages, fractions, etc.)

Company Overview

Join a winning team and a dedicated credit union! We have been offering quality financial service to members and their families since 1951. As a credit union, we are a not-for-profit financial cooperative, which means we operate to serve our member-owners. This makes us quite different from other financial institutions. Since 1951, we have focused on building lifetime relationships by continually expanding our products and services while emphasizing financial security, quality, and convenience in an environment that values and respects members, employees, and business partners.

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