Financial Services Advisor

MONTERRA CREDIT UNION; San Mateo (CA); On-site; USD 52,000 - 64,000; Full time

Benefits offered by this job

Medical insurance

Dental insurance

Vision insurance

Life insurance

Long-Term Disability insurance

401(k) with matching

Discounts on financial products and of

Paid time off

Tuition reimbursement

Semi-annual bonuses

Job summary

Monterra Credit Union is seeking a full-time Financial Services Advisor at the San Mateo branch to help members with deposit and loan products, profile needs, and process transactions with accuracy. You’ll promote credit union services and participate in community outreach.

The role emphasizes collaboration, compliance with banking regulations, and cross-servicing goals in a member-focused team environment.

Qualifications

• Broad knowledge of financial products and services.
• Strong organization, analytical and communication skills.
• Ability to balance accuracy with efficiency.
• Experience with banking or credit union operations.

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-servicing appropriate products and services to help meet member financial needs and assigned cross-servicing goals.
• Assists with Business Development efforts within the community
• Processes loan requests, including applications, documentation and disbursal, when necessary. Notifies members when a loan is declined.
• Possesses thorough knowledge of Credit Union loan policies, regulations, credit granting criteria, documentation required for each loan type, including DMV and ancillary products.
• Opens new membership, checking, money market, investment certificate, IRA, Trust, Uniformed Transfer to Minor Accounts, and carries out requests on deceased accounts and fraud situations.
• 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.
• Within established guidelines and procedures, performs work requiring the use of judgment and discretion in making decisions to satisfy member needs. Recommends alterations or revisions to department policies and procedures as needed.
• Performs other related duties as assigned by the Branch Lead or Manager.
• Must comply with applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and laws enforced by the Office of Foreign Assets Control.
• Provides service that aligns with the Credit Union’s mission of passionately delivering relevant products, services, and education tailored to help our members, employees, and communities achieve their financial goals.

Skills

Broad financial product knowledge

Lending process experience

Customer service skills

Organization and communication

Spanish language skills

Tools

Excel

Word

Email

Job description

Job DetailsJob Location: San Mateo Branch - San Mateo, CA 94402

Do you possess a broad knowledge of financial products and services?

Would you like to work at a collaborative organization that thrives on providing outstanding member service both internally and externally?

Would you like to work at a multi-faceted, dynamic organization that thrives on teamwork and collaboration?

If so, we’d love to talk with you about Monterra Credit Union’s full-time Financial Services Advisor Position!

Located in the heart of the Bay Area, Monterra Credit Union is a community-centric and growth-oriented financial institution. We invest in the success of people and our community by giving back, making things easier, and committing ourselves to our members’ potential. Diversity, equity and inclusion are critical to our success, and we value the varied backgrounds and experiences that everyone brings to our organization. If you value collaboration, forward-thinking, and giving back, this just might be the place for you.

SALARY & BENEFITS

• Starting pay of $25.00 - $31.00 per hour depending on experience
• Bilingual pay incentives (English/Spanish or English/Tagalog)
• Semi-annual bonuses for meeting key financial and operational goals
• Medical, Dental, Vision, Life, and Long-Term Disability insurances
• 401(k) including generous matching contributions
• Discounts on financial products and services, including mortgage and auto loans
• Paid time off, tuition reimbursement, and much more!

POSITION SUMMARY

Serves as a primary source to handle member inquires, 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, inquiries, and daily branch operations. Responsible for assisting with Business Development efforts within the community as assigned.

PRIMARY 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.
• Assists with Business Development efforts within the community
• Processes loan requests, including applications, documentation and disbursal, when necessary. Notifies members when a loan is declined.
• Possesses thorough knowledge of Credit Union loan policies, regulations, credit granting criteria, documentation required for each loan type, including DMV and ancillary products.
• Opens new membership, checking, money market, investment certificate, IRA, Trust, Uniformed Transfer to Minor Accounts, and carries out requests on deceased accounts and fraud situations.
• 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.
• Within established guidelines and procedures, performs work requiring the use of judgment and discretion in making decisions to satisfy member needs. Recommends alterations or revisions to department policies and procedures as needed.
• Performs other related duties as assigned by the Branch Lead or Manager.
• Must comply with applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and laws enforced by the Office of Foreign Assets Control.
• Provides service that aligns with the Credit Union’s mission of passionately delivering relevant products, services, and education tailored to help our members, employees, and communities achieve their financial goals.

PHYSICAL DEMANDS

• While performing duties of the job, employee may be required to use frequent physical activities include sitting, standing, reaching, walking, talking, bending, and constant use of hands.
• Employee must occasionally lift and/or move up to 5 pounds.
• Employee may occasionally work overtime.
• These activities are not necessarily performed to the same degree and combination every day.

Qualifications

Monterra Credit Union is an equal-opportunity employer. Qualified applicants will receive consideration for employment without regard to race, religion, color, national origin, sex, sexual orientation, gender identity, disability, or protected veteran status.

• Possess a broad knowledge of financial products and services, and preferred experience with the lending process, documentation, and DMV regulations.
• Possess strong organization, analytical, interpersonal, service and communication skills
• Provide high levels of thoroughness and accuracy
• Possess strong cross-servicing skills
• Must have knowledge of PC Windows-based programs (Excel, Word, and e-mail).
• Experience with attending community events and developing community relationships
• Ability to speak fluently in Spanish is a plus.