Financial Services Representative II

Meriwest Credit Union; San Jose (CA); On-site; USD 39,000 - 48,000; Full time

Benefits offered by this job

Medical/Dental/Vision

Pension Plan/401K

Bonus and incentive

Paid Time Off

Career growth support

In-house fitness center

Mortgage discounts

Job summary

Meriwest Credit Union in San Jose, CA is seeking a Financial Services Representative II to provide personalized member service, cross-sell products, and build relationships to grow deposits and loans. This on-site role emphasizes understanding banking products and delivering professional presentations to members.

You will assist with new accounts, lending, and referral partnerships, while maintaining compliance with applicable laws and internal policies.

Qualifications

• Minimum of 3 years prior Credit Union or Banking Experience highly preferred.
• Must be extremely sales oriented with a proven track record.
• Ability to promote business banking deposit accounts, payroll, merchant services.

Responsibilities

• Assist members in opening checking, savings, and certificate products; provide dividend projections.
• Analyze member financial needs and cross-sell products and services.
• Present deposit, loan, and business banking products clearly to members.
• Serve as back-up for all Member Service Representatives.
• Assist members with lending needs and process loan requests per guidelines.

Skills

Sales oriented

Customer service

Excellent communication

NMLS licensed

Education

High School or Equivalent

Tools

Banking software

Job description

If you are unable to complete this application due to a disability, contact this employer to ask for an accommodation or an alternative application process.

Full-Time Regular San Jose Main, San Jose, CA, US

Position Summary

The Financial Services Representative provides personalized service to members in order to attract, enhance, and retain member relationships Incorporates Service Plus into all aspects of member contacts and continually builds relationships with members in order to retain and increase memberships. Further enhances these relationships through the cross-selling of products and services to meet all the members’ financial needs. Knows the detailed features and benefits of all products and services available and presents them in a professional manner. Meet assigned share, deposit, lending and referral partner targets. Support Credit Union in all Initiatives with a positive attitude and willingness to get the job done.

Essential Duties and Responsibilities

• Assists members in opening all checking, savings, and certificate products. Provides members with dividend projections by the use of the system calculation form, being able to manually calculate dividend projections. Must be capable of negotiating rates within guidelines when necessary. Maintains understanding of account ownership.
• Ability to analyze member’s financial needs and ask leading questions to effectively cross-sell products and services.
• Effectively makes presentations to members on all deposit, loan, and business banking products in an understandable manner. This requires extensive knowledge of all deposit, lending, business banking, and insurance products and services.
• Serves as back-up for all Member Service Representatives (including handling member transactions) as required.
• Assists members with lending needs through loan interviews. Maintains an understanding of all lending policies and procedures. Uses the loan application to process all loan requests according to the lending guidelines set forth by the Credit Union.

Must comply with all company 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.

Please note: This job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Due to the responsibilities and requirements of this position, remote work (telecommuting), including hybrid schedules, is not supported. This role requires 100 percent on-site presence. Duties, responsibilities and activities may change at any time with or without notice.

Minimum Qualifications

• High School or Equivalent required.
• Minimum of 3 years prior Credit Union or Banking Experience highly preferred
• Minimum of 2 years' experience in new accounts, products sales and lending.
• Must be extremely sales oriented and have a strong desire to continually surpass goals and sales targets. Proven ability in a competitive sales environment required.
• Knowledge of business banking deposit accounts, payroll, merchant, and the ability to promote business banking loan options.
• Must have excellent communication skills in order to make professional and effective presentations to members. Ability to promote all credit union products and services to members and overcome objections and concerns.
• Comprehensive understanding of all loan products. Full-cycle knowledge of new account functions.
• Ability to work independently, exercise judgment, follow instructions, and maintain a high level of professional conduct.
• Strong customer service focus with previous experience in a service industry.
• NMLS SAFE ACT compliant. This position requires that you obtain, and maintain, a National Mortgage Licensing Systems (NMLS) number as required by the SAFE Act.
• Must be PC literate; experience with banking software a strong plus.
• Must be able to work Saturdays 8:30am - 1:30pm.

Do you want to be valued as an employee?

Employees are Meriwest’s most valuable resource. We are committed to removing barriers to access and enhancing opportunities for all individuals based on merit and potential. We provide competitive wages and a supportive environment that promotes career advancement. Meriwest utilizes a grading system to determine salary ranges for all positions. Each grade is assigned a salary range which consists of a minimum, midpoint, and maximum rate. The Financial Services Representative II position is a Grade 7.

• Target Range: $27.90 to $34.87*

* The target range for entry in a new position is between the minimum and midpoint of the range, depending on experience and qualifications.

We also offer an excellent, fully comprehensive benefits program, including:

• Medical/Dental/Vision on the first day of employment for full-time employees
• Free Long Term Care Insurance for employees
• Pension Plan/401K
• Bonus and incentive potential
• Generous Paid Time Off (PTO)/Holiday program
• Career growth support and planning programs
• In-house fitness center
• Discounts on new Mortgage after 6 months of employment

Meriwest is an equal opportunity employer that is committed to inclusion and diversity. All qualified applicants will receive consideration for employment. We do not discriminate based upon race, religion, color, national origin, sex (including pregnancy, childbirth, reproductive health decisions, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as a protected veteran, status as an individual with a disability, genetic information, political views or activity, or other applicable legally protected characteristics.