Financial Services Representative III

Cupertino Financial Center

Position Summary

The Financial Services Representative provides personalized service to members in order to attract, enhance, and retain member relationships Incorporates Service Plus into all aspects of member contacts and continually builds relationships with members in order to retain and increase memberships. Further enhances these relationships through the cross-selling of products and services to meet all the members’ financial needs. Knows the detailed features and benefits of all products and services available and presents them in a professional manner. Meet assigned share, deposit, lending and referral partner targets. Support Credit Union in all Initiatives with a positive attitude and willingness to get the job done.

Essential Duties and Responsibilities 

• Assists members in opening all checking, savings, and certificate products. Provides members with dividend projections by the use of the system calculation form, being able to manually calculate dividend projections. Must be capable of negotiating rates within guidelines when necessary. Maintains understanding of account ownership. 
• Serves in a lead FSR capacity and provides back up support to Financial Center Manager as needed.
• Serves as back-up for all Member Service Representatives (including handling member transactions) as required
• Ability to analyze member’s financial needs and ask leading questions to effectively cross-sell products and services. Utilize sales tools to facilitate needs based on selling and earning share of wallet. 
• Effectively makes presentations to members on all deposit, loan, and business banking products in an understandable manner. This requires extensive knowledge of all deposit, lending, business banking, and insurance products and services.
• Assists members with lending needs through loan interviews. Maintains an understanding of all lending policies and procedures. Uses the loan application to process all loan requests according to the lending guidelines set forth by the Credit Union.
• Ability to guide others, share and promote company values and goals through effective leadership. Encourage and mentor others as needed. Inspires associates to higher levels of performance. Performs other duties as assigned.

Must comply with all company policies and procedures, applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.

Please note: Thiis job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties responsibilities and activities may change at any time with or without notice. 

Minimum Qualifications

• High School or Equivalent required.
• Minimum of 4 years prior Credit Union or Banking Experience highly preferred with a minimum of three years' experience in new accounts, products sales and lending.
• Must be extremely sales oriented and have a strong desire to continually surpass goals and sales targets. Proven ability in a competitive sales environment required.
• Knowledge of business banking deposit accounts, payroll, merchant, and the ability to promote business banking loan options.
• Must have excellent communication skills in order to make professional and effective presentations to members. Ability to promote all credit union products and services to members and overcome objections and concerns. 
• Comprehensive understanding of all loan products. Full-cycle knowledge of new account functions.
• Ability to work independently, exercise judgment, follow instructions, and maintain a high level of professional conduct.
• Strong customer service focus with previous experience in a service industry.
• NMLS SAFE ACT compliant. This position requires that you obtain, and maintain, a National Mortgage Licensing Systems (NMLS) number as required by the SAFE Act.
• Must be PC literate; experience with banking software a strong plus.

Do you want to be valued as an employee?

Employees are Meriwest’s most valuable resource. We provide competitive wages and a supportive environment that promotes career advancement. Meriwest utilizes a grading system to determine salary ranges for all positions. Each grade is assigned a salary range which consists of a minimum, midpoint, and maximum rate. The Financial Services Representative III position is a Grade 8. 

• Target Range: $29.40 to $36.75*

*The target range for entry in a new position is between the minimum and midpoint of the range, depending on experience and qualifications.

We also offer an excellent, fully comprehensive benefits program, including:

• Medical/Dental/Vision on the first day of employment for full-time employees
• Free Long Term Care Insurance for employees
• Tuition Reimbursement/Student Loan Repayment Plan
• Pension Plan/401K
• Bonus and incentive potential
• Generous Paid Time Off (PTO)/Holiday program
• Career growth support and planning programs
• In-house fitness center
• Discounts on new Mortgage after 6 months of employment

Meriwest is an equal opportunity employer that is committed to inclusion and diversity. All qualified applicants will receive consideration for employment. We do not discriminate based upon race, religion, color, national origin, sex (including pregnancy, childbirth, reproductive health decisions, or related medical conditions), sexual orientation, gender identity, gender expression, age, status as a protected veteran, status as an individual with a disability, genetic information, political views or activity, or other applicable legally protected characteristics.