Relationship Advisor

Tyndall Federal Credit Union Inc.; Panama City (FL); On-site; USD 40,000 - 48,000; Full time

Job summary

Tyndall Federal Credit Union in Panama City seeks a Relationship Advisor to assist members with their financial needs, cross-sell products, and process transactions including deposits and loans. The role emphasizes relationship-building and excellent service to foster loyalty.

Responsibilities include reviewing loan docs, ensuring regulatory compliance, and maintaining member records with confidentiality. On-site work environment is specified with standard office duties.

Qualifications

• One year to three years of similar or related experience.
• A high school education or GED.
• Work involves personal contact to build relationships and resolve conflicts; requires diplomacy and tact in communication.
• Ability to type, use computer and general office equipment including 10-key calculator; basic to intermediate knowledge of Microsoft Windows, Word, Outlook and Excel.

Responsibilities

• Assists members with needs relating to products and services; cross-sells all credit union products and services; processes member requests and transactions including loan applications and account openings/closings.
• Receives and processes member financial transactions including deposits, withdrawals and loan payments; balances cash drawer and supports branch operations.
• Reviews loan documentation to determine credit acceptability and recommends loan decisions; secures all loan documentation and disburses loans.
• Ensures compliance with regulatory programs (BSA/AML, CIPS) and supports Member Care Center; remote employees must adhere to schedule and participate in virtual meetings.

Skills

Customer service

Relationship building

Communication

Education

High school diploma or GED

Tools

Microsoft Windows

Microsoft Word

Outlook

Excel

10-key calculator

Job description

Description

Role

The Relationship Advisor is responsible for assisting with member interactions to ensure outstanding service that reflects our commitment to our members. This role actively listens and engages with members to identify needs and recommend appropriate products or services to strengthen relationships and build long-term loyalty. The Relationship Advisor determines eligibility for memberships, opens and closes all types of accounts and updates member information as needed. With a focus on relationship-building and delivering excellent service, this role supports members in achieving their financial goals while ensuring a seamless and positive member experience.

Our Culture

Our Core Values guide how we serve our members, support one another, and strengthen our community. Our WE Standards define how we show up every day ' across all branches, departments, and roles -ensuring a consistent experience for members and a supportive environment for our teammates. Demonstrating and upholding our Core Values and WE Standards is a fundamental responsibility of every employee and is required in all positions throughout the organization.

Essential Functions & Responsibilities:

• Assists members with needs relating to products and services offered by TFCU. Cross-sells all credit union products and services. Processes member requests and transactions to include loan applications, opens and closes accounts, ordering checks, placing stop payments on checks, payroll authorizations and allocations, transferring funds from other financial institutions, as well as creating and maintaining plastic cards.
• Receives and processes member financial transactions, including deposits, withdrawals and loan payments, transfers amounts from member accounts as directed. Post transactions to member accounts and maintain member records and confidentiality. Balances cash drawer and assists with closing of branch vault as appropriate to branch location.
• Receives and verifies information on all types of loan applications. Reviews and analyzes loan documentation to determine ratios, credit acceptability, and assesses loan product alternatives in making recommendations for loan decisions. Accountable for securing all loan documentation and disbursing loans to members. Research transactions posted to member accounts and explains transaction postings to member accounts. If an error is discovered, performs any account corrections according to established Credit Union policy and procedure.
• Ensure compliance with all regulatory programs including but not limited to the Bank Secrecy Act, Office of Foreign Asset Control Program and Customer Identification Program. Assists other department personnel and performs other duties as assigned. Remote employees must adhere to their agreed-upon work schedule from a secure location, participating in virtual meetings, video conferences/other communications, and maintaining regular, responsive communication during working hours. Provides support to the Member Care Center as directed by management, including assisting with incoming member phone calls to ensure timely service and consistent member experience.

Performance Measurements:

1. Consistently demonstrates professionalism, courtesy, and empathy in every interaction, ensuring members feel valued and respected. Actively listen to members, accurately assess their needs, and provide clear, helpful solutions that align with The Tyndall Way - WE Standards of Excellence.
2. Maintain a working knowledge of the credit union's loan policies, procedures and governmental regulations.
3. Cross sell credit union products and services.
4. Maintain a professional, courteous, and friendly atmosphere for members and co-workers.
5. Produce loan documents, reports, and new accounts in a timely fashion with zero errors.
6. Completes required annual BSA/AML training with a passing grade of 80% or higher. Accurately completes Monetary Instrument logs for the cash purchase of Cashier Checks as needed. Completes required Customer Identification and Red Flags Program requirements to include documentation of discrepancy as needed.
7. Process an average number of transactions as established in the performance plan.
8. Have no more than one posting error per month.
9. Ensure accurate daily cash drawer balancing and proper closing when supporting service operations.
10. Must pass registration based on the SAFE Act requirements or already be registered.

This Job Description is not a complete statement of all duties and responsibilities comprising the position.

Requirements

Experience:

• One year to three years of similar or related experience.

Education:

• A high school education or GED.

Interpersonal Skills:

• Work involves much personal contact with others inside and/or outside the organization for the purpose of first-level conflict resolution, building relationships, and soliciting cooperation. Discussions involve a higher degree of confidentiality and discretion, requiring diplomacy and tact in communication.

Other Skills:

• Ability to type, use computer and general office equipment including 10-key calculator. Requires basic to intermediate knowledge of Microsoft Windows, Word, Outlook and Excel. Ability to work with basic mathematical concepts.

Physical Requirements:

• While performing the duties of this job, the employee is regularly required to use hands, and is required to talk and hear. The employee is frequently required to stand, sit, and walk occasionally for long periods at a time. The employee may occasionally be required to reach with hands and arms and move objects up to 20 pounds. Specific vision abilities required by this job include close vision, peripheral vision, and ability to adjust focus. In addition, abilities for assessing the accuracy, neatness and thoroughness of the work assigned is required.
• The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Work Environment:

• This position is not eligible for remote or hybrid work.
• Tyndall Federal Credit Union is an Equal Opportunity Employer: As an equal opportunity employer, Tyndall Federal Credit Union does not discriminate against any employee or candidate on the basis of age, race, gender identity, gender expression, genetic information, national origin, physical or mental disability, protected veteran status, religion, sex (including pregnancy), sexual orientation, or any other characteristic protected by all applicable federal, state, and local laws.