Financial Consultant I

Job Description

JOB INFORMATION

Title:

Financial Consultant I

Officer Title:

Grade:

00

FLSA Classification:

Exempt

Date Last Edited:

6/20/2024

Reports To:

Manager Wealth Management Sales

Department:

Wealth Management

URL Link

https://hvfcu.jdxpert.com/ShowJob.aspx?EntityID=2&jobcode=717

PRIMARY FUNCTION

Present members of HVCU with a growing array of financial services and investment products, while delivering unparalleled value and outstanding service to members.

•

Establish value-added relationships with members and support the activities of the Senior Financial Consultant.

•

Meet customers’ financial needs including, but not limited to, the following:

a. Funding for a secure retirement

b. Funding for children or grandchildren’s education needs

c. Growth of assets above inflation and taxes

d. Protection of assets from estate taxes

•

Sell effectively by establishing relationships with members, finding their needs and then offering appropriate solutions in a compelling way so the customer sees the value, understands the features and benefits and purchase the solution.

•

Responsible for meeting and exceeding established revenue and branch referral goals as part of the team goal with the Financial Consultant II.

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Cultivate existing (C&D) clients with the goal of identifying potential members to be graduated to (A&B) clients.

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Conduct educational seminars for members and prospective members.

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Conduct training within Credit Union to educate employees on the benefits of Financial Services and grow referrals within the branch network.

•

Provide branch coverage due to extended hours.

•

Adhere to all Credit Union policies, procedures, and regulatory agency requirements. Participate in all required and recommended training and development including, but not limited to, Bank Secrecy Act training (BSA) and demonstrate attained knowledge. Participate on Credit Union teams, projects and strategic initiatives when the opportunity arises. Perform additional duties and special projects as assigned.

•

Embrace and apply HVCU’s guiding principles to all activities and responsibilities. This includes the Credit Union’s Mission, Vision, Core Values, Employee and Member Value Propositions, Sales and Service Model, and commitment to Lean Six Sigma practices. Support the Credit Union’s initiatives by demonstrating teamwork and professionalism.

•

Responsible for regular and predictable attendance including punctuality.

Associate’s Degree or at least 2 years equivalent experience for each undergraduate year not completed; undergraduate degree cannot substitute for minimum number of years of experience.

X

Series 7 or ability to pass within 180 days of employment

X

Series 66 or ability to pass within 180 days of employment

X

NYS Life and Health licenses or ability to pass within 90 days of employment

X

Medicare Certifications

X

Clean U4

X

Minimum 1 Year

Industry experience, preferably within Credit Union or Financial Institution

X

Experience in the area of alternative investments

X

•

Advanced member service skills.

•

Advanced verbal, written, interviewing and presentation skills.

•

Must demonstrate strong analytical, communication and interpersonal skills.

•

Ability to understand and apply intermediate mathematical concepts.

•

Basic proficiency in Microsoft Office Software (Word, Excel, Outlook, PowerPoint, etc.)

•

Must be able to learn new software products.

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Ability to multi-task and handle varying deadlines within a fast paced work environment.

PHYSICAL DEMANDS

Frequency

Physical Demand

Weight (lbs.)

Frequently

Sit for prolonged periods of time

Frequently

Required to communicate verbally

Frequently

Normal range of vision and hearing abilities required

Occasionally

Lift and/or move objects

25

Occasionally

Travel outside of work location to attend meetings and training programs

Frequently

Required to skillfully operate a computer, telephone and other standard office equipment

Occasionally

Work extended hours, including evenings, weekends, and holidays as needed

WORK ENVIRONMENT

•

Typically the noise level in the work environment is low to moderate.

•

May experience occasional job stress in dealing with difficult situations and/or high volume.

•

High energy, high impact atmosphere.

•

There are no significant hazardous conditions.

View Competencies

Portfolio Management

Knowledge of and ability to utilize the tools, techniques, and acceptable business practices associated with managing a client's securities investments.

Level 2

1. Participates in managing the investments of a specific type of customer.

2. Assists in collecting and preparing required portfolio management data.

3. Applies the functions and features of portfolio management tools.

4. Selects appropriate vehicles for long-term investments.

5. Monitors returns on customer's commonly used portfolio instruments.

KNOWLEDGE OF CUSTOMERS

Knowledge of various types of customers and ability to analyze customer activities, profiles and information.

Level 2

1. Documents customer account records and associated profile and financial information.

2. Interprets information to customers on existing and pending contracts.

3. Maintains and updates tools or techniques for addressing customer needs.

4. Analyzes customer activity reports and presents comments to management.

5. Adheres to organizational protocols and procedures for customers' financial constraints.

Service Excellence

Consistently incorporates Hudson Valley's member and employee value proposition, reinforcing organizational culture and brand differentiators.

Level 1

1. Anticipates and meets the needs of both internal and external customers. Delivers high quality service and is committed to continuous improvement.

2. Consults with management on modifying business processes to enhance service delivery. Monitors own work to ensure quality and apply feedback to improve performance.

3. Integrates core values into the way work is done and how relationships are conducted.

4. Possesses knowledge of customer service concepts and techniques; ability to meet or exceed customer needs and expectations and provide excellent service in a direct or indirect manner.

5. Tailors communications based on others’ needs, motivations and agendas.

Flexibility and Adaptability

Adapts as needed; knowledge of successful approaches, tools, and techniques for dealing with changes and adapting to a changing environment.

Level 2

1. Accepts new or radical ideas with an open mind; avoids snap reactions.

2. Adjusts to new or changing assignments, processes, and people.

3. Demonstrates ability to successfully manage multiple tasks and priorities.

4. Demonstrates willingness to listen to other opinions.

5. Identifies and considers alternative approaches to situations or problems.

Work Standards

Sets high standards of performance for self and others; assumes responsibility and accountability for successfully completing assignments or tasks.

Level 2

1. Documents how results were obtained to support knowledge transfer and best practices.

2. Helps others drive tasks to completion as appropriate.

3. Holds self and others accountable for delivering on all commitments.

4. Identifies actions necessary to achieve task completion and to obtain results. Meets schedules, deadlines, and performance goals.

5. Recognizes the need for assistance and secures additional resources as needed. Escalates issues and unusual findings that could have an adverse impact on the business.

6. Understands and appropriately applies principles, procedures, requirements, regulations, and policies related to role.

This job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee in this position.  Additional functions and requirements may be assigned by supervisors as deemed appropriate, with or without notice.

Nothing contained in this material creates a contract of employment between an employee and Hudson Valley Credit Union or otherwise alters the at-will nature of the employment relationship.

Are you able to perform the essential functions listed in this job description with or without reasonable accommodation?  YES_______  NO_______

By signing below you certify that you have received this job description and understand the requirements, essential functions and duties of the position.  If you are currently employed in this position, your signature acknowledge that this job description accurately describes the position, including its essential functions.

Name:  _____________________________________________

Signature: _____________________________________________

Date:  _____________________________________________ 

Please also note that Hudson Valley Credit Union respects the religious beliefs and practices of employees and will, on request, reasonably accommodate its employees when a reasonable accommodation is available that does not create an undue hardship on the Credit Union’s business.  Therefore, unavailability for work due to religious observances or practices may not be a bar to employment.