Financial Partner/Universal Associate - Pine Bush, NY

Heritage Financial Credit Union; Pine Bush (NY); On-site; USD 28,000 - 32,000; Full time

Benefits offered by this job

Paid Time Off

Medical, Dental, Vision & Life

401(k) with 5% Employer Match

Educational Assistance

Sign-On Bonus

Volunteer Time Off

Employee Assistance Program

Job summary

Heritage Financial Credit Union in Pine Bush, NY seeks a Financial Partner to promote member wellbeing by building relationships, guiding product choices, processing transactions, and delivering exceptional service.

You will engage with business and consumer members, participate in community events, and grow within a fast-paced, supportive environment offering training and opportunities.

Qualifications

• 4+ years of extensive customer service and sales experience, preferably in financial industry.
• Knowledge of Bank Secrecy Act (BSA) requirements and compliance.
• Ability to promote and refer credit union products and services.
• Strong problem-solving and relationship-building skills.

Responsibilities

• Deliver exceptional service by processing branch transactions accurately and balances.
• Assist members with Online Banking, Remote Deposit Capture, Merchant Services, ACH Manager.
• Balance ATMs and vaults, train new staff, and follow opening/closing procedures.
• Engage with business members about commercial loan products and structures.
• Identify lending opportunities and refer to Commercial Loan Department.
• Participate in community events, outreach, and partner-driven member conversations.
• Open new memberships via partners and promote additional products/services.
• Maintain knowledge of Heritage Financial products and policies.

Skills

Critical thinker

Active listening

Effective communication

Engagement & enthusiasm

Needs-based selling

Microsoft Office

Education

High School Diploma or equivalent

Bachelor’s degree preferred

NMLS License

Notary License or must be obtained within 9 months

Tools

Microsoft Office

Job description

Join us as a Financial Partner and be the trusted guide for our members' financial journeys. You'll deliver exceptional service, offer smart solutions, and build lasting relationships, all while helping members achieve their goals.

If you're energetic, people-focused, and love making a real impact in your community, this is your chance to grow, learn, and shine in a supportive, fast-paced environment.

Here’s a little about us

Heritage Financial Credit Union is a member-owned financial institution that is committed to helping our members achieve their financial goals and building a stronger community. We believe that everyone deserves access to affordable financial services, and we are dedicated to providing our members with the tools and resources they need to achieve their financial dreams. Our vision is to be the leading financial institution in the communities we serve, and we are committed to creating a culture of excellence where our employees can thrive. We believe in creating a workplace where everyone feels valued and respected, and where we can all work together to achieve our goals. We recognize that our employees are our most important asset, and we are committed to providing them with the training, development, and opportunities they need to succeed.

Our Core Values:

Experience: Go Above Expectations; Create Positive Moments; Personally Acknowledge

Service: Deliver As One Team; Stay A Step Ahead; Guide With Product Expertise

Integrity: Do What's Right; Speak the Truth; Own Our Actions

People: Grow Together; Respect Every Voice; Build Trusting Relationships; Strengthen Culture & Community

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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

1. 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.
2. Assist members in setting up ancillary business products, including Online Banking, Remote Deposit Capture, Merchant Services, and ACH Manager
3. Assist the Branch Manager and Assistant Branch Manager in balancing and maintaining ATMs and vaults, training new employees, and executing opening and closing procedures
4. Demonstrate an understanding of various business structures, such as Sole Proprietorships, LLCs, and Corporations
5. Demonstrate comprehensive knowledge of all products and services offered by Heritage Financial Credit Union
6. Engage in conversations with business members about available commercial loan products and their structures
7. Identify lending opportunities through discussions with business members while opening accounts.
8. Participate in outbound activities such as community events, volunteering, call campaigns, and business outreach.
9. Proactively reach out to new memberships established through business partners to assess needs and offer appropriate additional products and services.
10. Recommend improvements to workflows, efficiency, and quality of service.
11. Support and promote all HFCU initiatives for employee development, actively engaging in personal growth by utilizing available tools and resources
12. Submit thorough referrals to the Commercial Loan Department
13. Understand the documentation required for initiating a commercial loan application
14. Engage with Heritage Financial teammates development initiatives and actively participate in personal growth using available resources
15. Organize priorities effectively to achieve monthly goals while maintaining a high standard of work quality
16. Meet or exceed established performance goals
17. 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.
18. Perform duties in compliance with federal and state regulations, as well as Credit Union policies and procedures
19. Performing account and loan intake and funding
20. Manage digital inquiries and requests across various platforms, including chat, online accounts, and marketing leads
21. Effectively perform Lobby Engagement and First Impression Opening daily
22. 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.

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:

• 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:

• Critical thinker with the ability to creatively solve problems and develop business plans.
• Committed to active listening, anticipating, and addressing the needs and concerns of both internal and external customers.
• Effective communication with team members and peers to foster a supportive and collaborative network.
• Demonstrates engagement, enthusiasm, and passion by delivering exceptional service to both internal and external members.
• Needs-based selling with exception product knowledge.
• Microsoft Office Software.

What's in it for you?

Salary: $20.00 - $23.00 per hour (depending on experience)

*** $1,250.00 Sign-On Bonus***

Benefits:

• Paid Time Off & Paid Federal Holidays
• Medical, Dental, Vision & Life Insurance
• Employee Assistance Program
• Flexible Spending Accounts (FSA)/Health Savings Accounts (HSA)
• Supplement Benefits: Critical Illness Care, Identity Theft Protection, Pet Insurance, Legal Services
• BenefitsPlus+ perks program (travel, entertainment, gift cards and so much more)
• CareNet - benefits concierge service
• 401(k) with 5% Employer Match
• Educational Assistance
• Paid Time to Volunteer
• HFCU Logo-wear (that our employees wear with pride!)

Equal Opportunity Statement

Employment at our Credit Union is based upon merit, ability, and qualifications. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other legally protected status.