Financial Services Representative (Unlicensed Personal Banker)

First Citizens; Charlotte (NC); On-site; USD 42,000 - 65,000; Full time

Benefits offered by this job

Benefits package

Job summary

First Citizens is seeking a Financial Services Representative to support branch sales and service delivery in Charlotte, NC. You will open deposit accounts and related banking services, assist with consumer lending, and proactively reach out to customers to expand relationships.

The role emphasizes relationship building, member outreach, and referral to bank partners while maintaining compliance and quality service.

Qualifications

• Bachelor's degree with 1 year sales, customer service, or lending experience, or HS diploma with 5 years in related roles.
• Preferred experience in financial services or retail banking environments.
• Licensing or certification requirements to be completed within 12 months of starting.

Responsibilities

• Drive sales and service delivery from the branch through proactive customer outreach.
• Open deposit accounts and related banking services; handle consumer lending activities.
• Identify and refer sales opportunities to bank partners and ensure compliance with policies.

Skills

Sales outreach

Communication skills

Customer service

Adaptability

Teamwork

Influence

Agility

Education

Bachelor's degree

High school diploma or GED

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.

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

Qualifications

• Minimum Required Education and Experience: Bachelor's Degree and 1 year 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
• Required Licenses or Certifications: In cases where licensing is required, associates must complete the bank sponsored licensing program within 12 months of entering the role.

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.