Financial Advisor

ncsecu; Lumberton (NC); On-site; USD 65,000 - 90,000; Full time

Job summary

NC SECU is seeking a Financial Advisor focused on investment, trust, and estate planning. The role delivers exemplary member service, advising on life insurance, investments, and retirement planning through branches, phone, and digital channels.

Ideal candidates will have 2+ years in insurance/investment/trust roles, hold required licenses, and actively build holistic financial plans for members. North Carolina-based team offers a collaborative environment.

Qualifications

• Experience delivering advisory solutions to members in financial planning areas.
• Ability to discuss life insurance, investments, and estate planning with members.
• Licensed to advise and stay compliant with regulatory requirements.

Responsibilities

• Direct financial advising to meet members' goals across advisory solutions.
• Engage members proactively to fit products into their overall financial plan.
• Build ongoing relationships via multiple channels and education.
• Navigate SECU systems, life insurance software, NetX 360 and Envestnet.
• Maintain KPI targets and demonstrate strong professional demeanor.

Skills

Client relations

Communication

Advisory capacity

Team collaboration

Financial needs assessment

Education

Life Insurance license

Investments license (SIE/6/63/65 OR SIE/7/66)

ATFA designation

Tools

NetX 360

Envestnet

CXOne

Job description

If you are motivated and believe in the credit union philosophy of \"People Helping People,\" join our team!

Position Overview

The Financial Advisor with an investment/trust/estate planning focus is responsible for providing exemplary member service and has demonstrated ongoing proficiency in delivering solutions to members in areas such as life insurance, investments, trust services, estate planning and retirement planning, through branch telephone, and/or digital delivery channels. They must be knowledgeable of operational procedures in their platform areas, have shown continual growth in their ability to deliver FAS solutions, and have begun to act in an advisory capacity, more proactively helping members to manage their investments and other financial products to fit their overall plan.

Essential Responsibilities

• (65%) Direct Financial Advising - Financial Product Delivery and Technology Proficiency Proficiently works to meet members' financial needs by helping them to understand, obtain, and maintain financial advisory solutions as needed to meet the members' financial goals, objectives, and needs.
• Interacts with members in an advisory capacity, more proactively helping them to identify suitable financial products to fit their overall financial plan.
• Develops on-going relationships with members through frequent communication and education, utilizing multiple delivery channels to ensure recommended solutions remain suitable to meet their changing financial needs.
• Utilizes SECU technology, marketing campaigns, lead platforms, referrals, and member branch visits to achieve daily activity levels that align with productivity benchmarks as communicated by management.
• Works independently and successfully achieves expected activity productivity levels as defined by management with limited need for guidance and oversight.
• Consistently demonstrates a strong understanding and effectively be able to navigate SECU operational systems, life insurance software, NetX 360, Envestnet and new systems as introduced in the future.
• Professionally interact with other departments to facilitate member requests.
• Consistently maintains acceptable performance level based on Key Performance Indicators (KPI's) and achieves and maintains standards as directed by management.
• Soft skills and call quality consistently maintained at an acceptable level.
• Financial Advisors in the FAS Contact Center will consistently demonstrate a strong understanding of CXOne platform and Will be available in member facing skill sets as determined by management.
• Exhibit a positive attitude toward members and teammates while maintaining professional appearance and demeanor.
• (25%) Collaboration Coordinate and engage other team members as needed to assist with complex scenarios and ensure members' needs are met holistically.
• Provides support and guidance to newer/less experienced team members.
• Help train member-facing employees on financial advisory services to help facilitate quality referrals.
• Frequently communicates with management about activities and results within assigned area.
• Actively looks for ways to improve the overall process of the delivery of financial advisory services and relays suggestions to management.
• Demonstrated willingness to actively work with management team to strengthen proficiency in member service delivery.
• Willing to assist in other areas of the operation as needed.
• Actively work with mentor and management team to strengthen proficiency in member service delivery.
• Consistently demonstrates current and comprehensive knowledge of credit union products and services and regularly provides quality referrals.
• (10 %) Continuing Education and Compliance Ensure that proper identification of members is taking place and all actions are compliant with SECU's Member Information Security Procedure (MISP).
• Comply with all Credit Union policies and regulatory requirements.
• Ensure all member information remains confidential, and members' accounts are accessed for business purposes only.
• Follow all security and control procedures.
• Complete all required quarterly training courses, continuing education & other training assigned by management.

Required Education & Experience

• 2+ years of experience as an Insurance, Investment or Trust Representative or a similar position.
• Must have life insurance license or obtain within 2 months of hire.
• Must be fully licensed in Investments (SIE/6/63/65 OR SIE/7/66) OR hold the ATFA designation.
• Must maintain all required licenses after obtaining them and satisfy all continuing education requirements.
• Comfortable acting in an advisory capacity with the ability to have informed conversations with members on various financial planning topics and provide holistic guidance.
• Demonstrated ability to work independently and as part of a team.
• Demonstrates excellent critical thinking skills, problem-solving skills, and good judgment.
• Excellent written and verbal communication skills. Ability to speak English fluently.