Financial Services Representative (Licensed Banker)

First Citizens; Charleston (SC); On-site; USD 42,000 - 66,000; Full time

Job summary

First Citizens Bank seeks a Financial Services Representative to expand banking relationships and support sales and service delivery in the branch. The role involves opening deposit accounts, processing lending needs, and identifying referral opportunities while delivering exceptional customer service.

Responsibilities include proactive outreach, advisory conversations, and collaboration with cross-functional teams to ensure compliant and efficient operations.

Qualifications

• Minimum Education: Bachelor's Degree and 1 year of experience, OR High School Diploma/GED plus 5 years in sales, customer service, or lending; or 6 months in a First Citizens customer-support role; or participation in a First Citizens career program.
• Preferred: financial services or telephone sales experience; licensed sales experience is a plus.

Responsibilities

• Sales: achieve individual or team financial, production and relationship results per metrics; engage customers, prospects and referral sources through proactive outreach.
• Customer service: deliver value through proactive conversations, address needs, and build trust.
• Banking operations: ensure accurate deposits and related services, support lending activities including consumer and real estate secured loans.
• Community involvement: represent the bank at civic events to generate business and CRA opportunities.
• Compliance: follow regulations and bank policies, maintain documentation and participate in required training.

Skills

Sales

Customer service

Retail banking

Financial guidance

Communication

Relationship building

Community outreach

Education

Bachelor's Degree

High School Diploma

Job description

Overview

A Financial Services Representative (FSR) supports sales and service delivery in the branch. The FSR builds and expands banking relationships through proactive customer outreach and customer service requests. This position is responsible for opening deposit accounts and related banking services and lending (including consumer real estate secured); as well as identifying and referring sales opportunities to the appropriate bank partner. This role supports the fulfillment of certain consumer investment needs.

Qualities of a successful candidate:

Sales Outreach: Self-starter that is disciplined enough to manage daily calling activity to achieve required results.

Communication Skills – Interpersonal: Comfortable and confident with proactively engaging in conversation.

Customer Service Skills: Builds trust and confidence with clients.

Adaptability: Has the ability to learn and adapt quickly to new information and technology.

Teamwork: Strives to build strong working relationships with those on their team as well as cross-functional relationships.

Influence: Capable of building rapport with different personalities to drive positive results.

Agility: Able to process information and move quickly through problem resolution.

Responsibilities & Qualifications

Duties & Responsibilities:
Sales - Achieve individual and/or team financial, production and relationship results relative to the specific metrics and goals assigned. Sales results should align with the needs of the community and ultimately support the organizational commitment to diverse lending. Engage with customers, prospects and referral sources through proactive outreach. When appropriate, represents the Bank in the community by attending and participating in civic and community events for the purpose of generating additional business and identifying potential CRA opportunities for the Bank. Engage in sales practices that are aligned to create value for both the customer and the bank. Appropriate partnering, planning and preparation occurs to ensure conversations provide the relevant financial guidance needed to drive informed decisions.

Service Standards - Foster collaborative partnerships that deliver value for customers, prospects and colleagues. Initiate conversation to uncover sales or referral opportunities. Listen attentively and ask insightful questions to understand customer needs and preferences; and take prompt actions to address immediate needs. Proactively look for way to optimize performance by seeking coaching, supporting Bank initiatives and leveraging tools to enhance activities.

Operations and Administration - Comply with all regulations, bank policies, procedures and delegated authorities to manage risk related to credit, operational, reputational, regulatory and legal aspects of personal interactions, customer transactions and financial exposures. Complete required training by established deadlines. Perform general office management duties as assigned to ensure operational efficiency. Associates in roles defined to take deposits are accountable for transaction accuracy and operational efficiency of that function. The results may include an accountability for individual contribution as well as team performance.

Position Specific Skills:
Application of a structured sales process
Providing financial guidance and expertise
Financial literacy
Knowledge of retail banking products and services

Consultative Selling

Consumer Banking

Builds Productive Relationships

Qualifications:
Minimum Required Education and Experience: Bachelor's Degree and 1 years' experience OR High School Diploma or GED/Equivalent and 5 years' experience in Sales, customer service, or lending; or 6 months of experience in a customer support role at First Citizens Bank; or participation in a First Citizens career development program

Preferred Area of Experience:Financial services sales, telephone sales; one year experience in a licensed sales role

Required Licenses or Certifications: Must have or obtain a Series 6 or 7, 63 and state specific life insurance licenses within 12 months of hire.

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Additional Information

Benefits are an integral part of total rewards and First Citizens Bank is committed to providing a competitive, thoughtfully designed and quality benefits program to meet the needs of our associates. More information can be found at https://jobs.firstcitizens.com/benefits.