Oceanside - Senior Financial Services Representative

Mission Fed Credit Union; Oceanside (CA); On-site; USD 36,000 - 45,000; Full time

Benefits offered by this job

Competitive compensation

PTO 18 days

12 paid holidays

401(k) 6% match

Medical, dental, vision

Life insurance

Wellness resources

Career development

Award-winning culture

Job summary

Mission Federal Credit Union in San Diego, CA seeks a Senior Relationship Banker to open accounts, process consumer loan applications, and assist with real estate lending opportunities. You will mentor branch staff, drive branch growth, and deliver superior member service to meet financial goals.

The role offers an incentive-based compensation structure; bilingual Spanish preferred, with comprehensive benefits and career development.

Qualifications

• High School Diploma or equivalent.
• Minimum 3 years of experience in a bank, credit union, or financial institution.
• Experience opening new accounts and processing or referring loan applications.
• Demonstrated success in sales, referrals, and relationship building.
• Strong communication, organizational, and time-management skills.

Responsibilities

• Deliver exceptional service by proactively greeting and assisting members.
• Open new accounts and additional products for new and existing members.
• Process and fund consumer loan applications and assist with real estate loan applications.
• Analyze member needs and recommend appropriate products and services.
• Generate qualified referrals to business partners and follow up to ensure satisfaction.
• Promote digital banking solutions and educate members on self-service tools.
• Ensure compliance with security procedures and banking regulations.

Skills

Customer service

Sales

Relationship building

Digital banking

Education

High School Diploma

Tools

Microsoft Office

Job description

On-Site | San Diego, CA

Senior Relationship Banker

Compensation: $26.00 - $33.00 per hour, plus incentives

Actual compensation within this range will be determined by factors including experience, qualifications, skills, internal equity, and other job-related considerations permitted by law.

Bilingual in Spanish is preferred.

As a Senior Relationship Banker, you’ll serve as a trusted financial resource for members by opening accounts, processing consumer loan applications, assisting with real estate lending opportunities, and recommending products and services that help members meet their financial goals. You’ll also provide leadership, mentoring, and operational support to branch team members while contributing to branch growth and success.

Why Mission Fed?

Our culture is guided by six core values:

• Integrity
• Service
• Commitment
• Teamwork
• Trust
• Communication

When you join Mission Fed, you’ll become part of an award-winning organization that invests in its people, supports professional growth, and remains deeply connected to the communities we serve.

What We Offer

• Competitive compensation
• 18 days of PTO during your first year
• 12 paid holidays annually
• Full 6% 401(k) match
• Comprehensive medical, dental, and vision coverage
• Life insurance and additional voluntary benefits
• Employee wellness resources, including an on-site gym
• Career development opportunities
• An award-winning workplace culture

What You’ll Do

Member Service & Relationship Building

• Deliver exceptional service by proactively greeting and assisting members.
• Open new accounts and additional products for new and existing members.
• Process and fund consumer loan applications and assist with real estate loan applications.
• Analyze member needs and recommend appropriate financial products and services.
• Generate qualified referrals to business partners, including Investments and Auto Loan specialists.
• Conduct follow-up calls to ensure satisfaction and identify additional opportunities to support member needs.
• Promote digital banking solutions and educate members on available self-service tools.
• Resolve account inquiries and conduct account research as needed.
• Consistently meet or exceed individual and branch sales and referral goals.
• Participate in branch sales initiatives, community events, and business development activities.

Leadership & Team Support

• Serve as a resource and mentor to Tellers, Universal Service Representatives, and Financial Services Representatives.
• Provide supervisory overrides and support while helping to minimize risk and ensure compliance.
• Share best practices and reinforce service and sales standards.
• May act in a supervisory capacity in the absence of branch management.

Operations & Compliance

• Prepare account and loan documentation in accordance with regulatory requirements and internal procedures.
• Support branch opening and closing procedures, certifications, and balancing activities.
• Assist with cash, vault, and dual-control processes.
• Ensure compliance with security procedures, banking regulations, and BSA requirements.
• Maintain current knowledge of products, services, policies, and industry regulations.
• Complete all required compliance and professional development training.

What You'll Bring

• High School Diploma, GED, or equivalent.
• Minimum 3 years of experience in a bank, credit union, or financial institution.
• At least 12 months of experience opening new accounts and processing or referring loan applications.
• Demonstrated success in sales, referrals, and relationship building.
• Intermediate computer skills, including Microsoft Office.
• Strong communication, organizational, and time-management skills.
• Ability to multitask and adapt in a fast-paced member-focused environment.

Preferred Qualifications

• Real estate lending knowledge or experience.
• Previous leadership or supervisory experience.
• Experience with Symitar or similar core banking systems.
• Notary Public Commission or willingness to obtain.
• Ability to obtain Mortgage Loan Originator (MLO) registration within one year of hire.

Build a Career with Purpose

At Mission Federal Credit Union, we believe in people helping people—and that starts with our Team Members. For more than 60 years, Mission Fed has proudly served San Diego, helping individuals, families, and businesses achieve financial well‑being. We're committed to creating a workplace where people feel valued, supported, and empowered to make a meaningful impact.

If you're looking for an opportunity to grow your career, make a meaningful difference, and contribute to an organization that values its people and its purpose, we'd love to hear from you.

Your privacy is very important to Mission Federal Credit Union. The California Consumer Privacy Act ("CCPA")/ California Privacy Rights Act (CPRA) requires Mission Federal Credit Union to inform California residents, including job applicants, of the categories of personal information we collect and the purpose for which the personal information will be used. This job applicant notice and the CCPA/CPRA notice provides the disclosures required by the CCPA/CPRA and applies only to applicants who are subject to the CCPA/CPRA.

Mission Federal Credit Union is an Equal Opportunity Employer. All applicants will receive consideration without regard to race, sex, color, creed, religion, age, marital status, sexual orientation, national origin, physical or mental disability, veteran status, or any other class protected by law. INDMF