Financial Advisor

State Employees' Credit Union; Pembroke (NC); On-site; USD 65,000 - 90,000; Full time

Job summary

State Employees' Credit Union is seeking a Financial Advisor focused on investments, trust, and estate planning. The role emphasizes proactive advisory service, member education, and cross-channel delivery to fit members’ overall financial plans.

Requirements include 2+ years in relevant advisory roles, life insurance licensing within 2 months, and securities licenses or ATFA designation. Strong communication and independent work ethic are essential.

Qualifications

• Ability to provide holistic financial guidance to members.
• Experience engaging members to identify suitable financial products and services.
• Must be able to maintain compliance with SECU policies and regulatory requirements.

Responsibilities

• Direct financial advising and delivery of advisory solutions.
• Develop ongoing member relationships through regular communication and education.
• Collaborate with other departments to fulfill member requests and improve processes.
• Maintain knowledge of credit union products and services and provide quality referrals.

Skills

Advisory capacity

Communication

Independent work

Team collaboration

Education

Bachelor’s degree in financial planning / related field

Certified Financial Planner (CFP) 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. Utilises 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.
• Self-motivated.
• Aptitude for meeting people, developing confidence, respect, and trust of members and co-workers.
• Ability to quickly adapt to changes in daily work based on immediate needs.
• Strong multi-tasking and organizational skills.
• Be discreet in performance of duties and hold information about member accounts in strict confidence.
• Ability to work additional hours when necessary to execute responsibilities.
• Must adhere to the work schedule and attendance policy established by manager.
• Travel for training may be required.
• Must possess vehicle and valid driver’s license.
• Preferred Education & Experience Bachelor’s degree with preferred fields in the areas of financial planning, finance, wealth management, math or a related field.
• Certified Financial Planner or similar designation
• Experience in the credit union or financial services industry

Job Environment & Physical Requirements

Office setting with physical proximity to other employees. Some background noise from other employees, copy machine, and telephone. Some aspects of job will be performed at off-site premises. Must be able to comprehend and carry out verbal and written instructions. Sits 50%, walk 25%, and stands 25% of the time. Climbing stairs may be necessary in MSS Centers that are housed on more than one floor. Visual acuity is required to complete necessary documentation. Must be able to lift 5 pounds.

SECU provides equal employment opportunity to all qualified persons regardless of race, color, religion, age, sex, sexual orientation, gender identity, national origin, genetic information, disability, veteran status, or other classification protected by law.

Disclaimer State Employees' Credit Union reserves the right to fill this role at a higher/lower level based on business need. State Employees' Credit Union is a not-for-profit, member-owned financial cooperative with a "Do the Right Thing" mission and a goal of helping people in our community. SECU values the differences in our staff and in our North Carolina communities. We believe that embracing the uniqueness of individuals makes our cooperative stronger, more innovative and better able to serve SECU members.