Financial Service Advisor (personal banker)

Mission City Federal Credit Union; San Jose (CA); On-site; USD 55,000 - 75,000; Full time

Benefits offered by this job

Medical benefits

Dental benefits

Vision benefits

Paid time off

Disability plan

Flexible spending

Life insurance

Business casual

Job summary

Mission City Federal Credit Union seeks a qualified candidate to join our team as a Member Service Associate. The role focuses on delivering exceptional member service, handling inquiries, processing transactions, and promoting credit union products and services.

You will conduct new account interviews, balance cash reserves, and engage in community business development activities while upholding BSA and OCC compliance. The position offers a friendly team environment and competitive benefits.

Qualifications

• Demonstrated record of member/customer service excellence in the financial services industry.
• Ability to profile member needs and recommend credit union products and services.
• Experience with cash handling and balancing cash reserves.
• Willingness to engage in community business development activities.

Responsibilities

• Handles member inquiries and processing of new transactions.
• Conducts new account and loan interviews and profiles member needs.
• Cross-sells appropriate products and services to meet financial needs.
• Processes loan requests and notifies members of loan decisions.
• Balances assigned cash reserves and maintains controls per policy.
• Ensures compliance with BSA, Patriot Act, OFAC and credit union policies.

Skills

Member service

Cash handling

Business development

Financial products knowledge

Job description

Mission City Federal Credit Union seeks a qualified candidate to join our team. To be considered for this position, you will need to have a demonstrated record of member/customer service excellence in the financial services industry.

Role

Serves as a primary source to handle member inquiries, requests or processing of new transactions. Conduct new account and loan interviews with the ability to profile member needs and use good judgment on recommendation of credit union products and services. Performs assigned cash handling duties associated with the processing of member transactions and inquiries. Responsible for Business Development efforts within the community.

Major Duties and Responsibilities

• Provides assistance to new and existing members with regard to all credit union products and services (includes all deposit products, lending products and investment opportunities available).
• Cross-services appropriate products and services to help meet member financial needs and assigned cross-servicing goals.
• Processes loan requests, including applications, documentation and disbursal, when necessary. Notifies members when a loan is declined.
• Opens new membership, checking, money market, investment certificate, Trust, and carries out requests on deceased accounts and fraud situations.
• Responsible for Business Development efforts within the community by building relationships, canvassing, attending events, occasionally conducting presentations and other similar activities. When attending business development activities.
• Solely responsible for the security and balancing of assigned cash reserves and negotiable items at all times. Maintains cash levels, key controls and dual controls in accordance with credit union policy.
• Must comply with all credit union policies and procedures, applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.

Knowledge and Experience

Possess a broad knowledge of financial products and services, and preferred experience with the lending process, documentation, and DMV regulations.

Hours:

Monday - Friday:8:30 AM to 5:00 PM

Saturday: 8:30 AM – 1:30 PM

Our Benefits Package:

• Highly Competitive Compensation
• Medical, Dental and Vision Benefits
• Employee Assistance Plan, Disability Plan, Flexible Spending Plan and Life Insurance
• Generous Paid Time Off and Sick Time
• Business Casual Dress

About MCFCU:

• Mission City Federal Credit Union is a small-but-mighty financial cooperative. We were founded in 1959 by a handful of Santa Clara City Employees who shared the common vision of people helping people, and the belief that dreams do come true. As a group of city employees earning humble pay, they came together, pooled their resources, and created financial opportunities for each other that they wouldn’t be able to obtain individually. Decades later the credit union has grown, but the original values remain intact. Strengthening our members’ financial health remains to be our highest calling.