TITLE: BUSINESS SERVICES ADVISOR
STATUS: NON-EXEMPT
REPORT TO: BUSINESS SERVICES MARKET AREA MANAGER
DEPARTMENT: BUSINESS SERVICES
JOB CODE: 11625
PAY RANGE: $26.76 - $32.00 HOURLY
GENERAL DESCRIPTION:
The Business Services Advisor at Golden 1 is tasked with advising, assisting, educating, and growing relationships with small businesses in the communities we serve through the introduction of Golden 1 business services and solutions.
TASKS, DUTIES, FUNCTIONS:1. Team Engagement:
a. Work proactively to build and grow relationships with potential new members and engage with existing members by asking questions to learn about their financial needs, understanding their goals, and sharing how Golden 1 can help them through proactive outreach, phone or in-person visits. Plan and execute appointments.
b. Develop relationships with branch employees through training sessions that focus on understanding the Business Services Advisor role. This training will equip employees to assist in meeting members' broader financial needs, efficiently complete service requests, and educate on small business requirements.
c. Foster a positive and collaborative environment, ensuring effective communication and knowledge sharing within the business services team and branch associates.
2. Operational Engagement:
a. Collaboratively work with Business Services Market Area Manager on products and marketing tactics to enhance member penetration and improve member’s business efficiencies. Develop, recommend, and implement initiatives that improve on our service capabilities resulting in business membership growth, increased product utilization and exceptional member service.
b. Identify new business opportunities and develop a plan to drive consistent performance within the retail channel encompassing home loans, investments, and other partnerships, aiming to Business Membership and increase Deposits as Golden 1 becomes a financial services leader for Business Services.
c. Assist in scheduling member appointments (new referrals, follow-up on old referrals, and existing account development).
d. Required to conduct outbound calls to members to uncover potential opportunities.
e. Promote Golden 1 Credit Union in the communities we serve with centers of influence: community involvement, affiliations with beneficial organizations, etc.
f. Provide regular reporting of contacts, products, and other aspects of activities as needed to the Business Services Market Area Manager.
3. Performance Monitoring & Optimization:
a. Engage with members in all phases of the business life cycle while following policies and leveraging product knowledge. Conduct needs-based conversations identifying credit, deposit and servicing processing needs of customers, explain, and demonstrate self-service mobile options to members.
b. Act as the primary relationship manager for small business members in an assigned territory using member relationship management tools.
c. Protect the assets of the credit union and our members through the proper execution and administration of operational and risk management policies and procedures in compliance with the mandates established by the credit union and the law.
4. Compliance & Best Practices:
a. Ensure compliance with organizational policies, industry best practices, and relevant laws and regulations.
b. Serve as a leader in managing risk. Understand and manage risks in the business, adhere to policies, procedures, controls and ensure compliance with applicable laws, rules, and regulations.
PHYSICAL SKILLS, ABILITIES, AND EXERTION UTILIZED IN THE PERFORMANCE OF THESE TASK:
1. Oral and written communication skills required to appropriately train and advise staff and members on policy, procedures, and products.
2. Must possess sufficient manual dexterity to skillfully operate an on-line computer terminal and other standard office equipment, such as financial calculators, personal computer, facsimile machine, and telephone.
ORGANIZATIONAL CONTACTS & RELATIONSHIPS:
1. INTERNAL: All levels of management and staff.
2. EXTERNAL: Members, vendors, peers in financial institutions, community associations and credit union associations.
QUALIFICATIONS:
1. EDUCATION: Bachelor’s degree preferred. Work experience may be considered in lieu of a four-year degree.
2. EXPERIENCE: Proven experience in Small Business banking experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education.
3. KNOWLEDGE / SKILLS:

• Proven experience managing a dedicated book of small business customers across assigned territory.
• Member service focus with experience managing complex transactions across multiple systems.
• Experience building and maintaining effective relationships with members and internal partners.
• Experience using strong business acumen to provide financial services consultation to small business members.
• Extensive knowledge and understanding of bank lending programs, credit policies, and specialty products.
• Proficient with proactively sourcing, acquiring, building, and maintaining relationships with members and colleagues.
• Ability to educate and connect members to technology and share the value of mobile banking options.
• Ability to interact with integrity and professionalism with member and employees.
• High motivation with ability to successfully meet team objectives while maintaining individual performance.

PHYSICAL REQUIREMENTS:
a. Prolonged sitting throughout the workday with occasional mobility required.
b. Corrected vision within the normal range.
c. Hearing within normal range. A device to enhance hearing will be provided if needed.
d. Occasional movements throughout the department daily to interact with staff, accomplish tasks, etc.
e. Travel to meet with branches. Travel within CA required.
LICENSES / CERTIFICATIONS: None
THIS JOB DESCRIPTION IN NO WAY STATES OR IMPLIES THAT THESE ARE THE ONLY DUTIES TO BE PERFORMED BY THIS EMPLOYEE. HE OR SHE WILL BE REQUIRED TO FOLLOW OTHER INSTRUCTIONS AND TO PERFORM OTHER DUTIES REQUESTED BY HIS OR HER SUPERVISOR THAT ARE WITHIN HIS / HER KNOWLEDGE, SKILL AND ABILITY AS WELL AS HIS / HER MENTAL AND PHYSICAL ABILITIES.
REV. 4/5/2024