Financial Advisor

Job Description

Job Description

Starting pay for successful applicants is generally within the minimum to midpoint of the pay range. Our consideration for pay is designed to support career growth and development over time. Offers extended depend on a variety of job-related factors, including but not limited to individual experience, knowledge, training, education, geographic location, market demands and internal equity.

POSITION PURPOSE

The Financial Advisor develops business for the Wealth Management department and their broker-dealer by building effective relationships and trust and providing an excellent member service experience to credit union members. Counsels and advises members regarding their financial holdings and offers financial products and services including mutual funds, equity-linked CDs, life insurance, and annuities to clients for investment purposes.

ESSENTIAL FUNCTIONS AND BASIC DUTIES

• Evaluate members relative to their financial needs, current situation and holdings and available investment capital by profiling and uncovering their needs and educating them about the products and services that are most appropriate for their situation, including cross-referrals back to the credit union for loans and deposits products
• Help the client to identify their investment objectives.
• Proactively seek information from clients and prospective clients to understand possible changing situations, needs and desired benefits and evaluate product or service alternatives.
• Establish and maintain thorough prospect files and notes. Review and access on a scheduled basis.
• Open, transfer, and close customer accounts as necessary.
• Follow up promptly on customer service requests, for withdrawals, changes, and other needs. 
• Maintain appropriate account records and ensure all documentation required is provided and completed.
• Obtain and verify all customer purchases and sales instructions, enter orders and follow-up on completion of all transactions.
• Responsible for the explanation of the organization, participants and functions of various securities markets and the principal factors that impact them.
• Monitor customer’s portfolio and make recommendations consistent with changes in economic and financial conditions as well as the customer’s needs and objectives.
• Ensure duties are performed in accordance with just and equitable principles of trade, federal and state laws, and industry regulations. 
• Proactively market and support   all relevant Credit Union products and services. 
• Promote Fortera’s branch through community events, on-site programs and networking activities.
• Keep current on investment products and services offered. 
• Provide excellent member service.
• Work with Branch Managers to identify and leverage cross-sell opportunities.
• Drive investment and credit union integration initiatives, e.g. call nights, branch training, etc.
• Support all product and campaign launches.
• Set and keep consistent office hours at designated branch(es)
• Satisfactorily complete all required compliance training and complies with all regulations which apply within the scope of the position to include Bank Secrecy Act compliance.
• Attend and participate in all required meetings, trainings, and committees as required.
• Participate in community and civic events to promote awareness of the Credit Union in the community.
• Ensure work area is clean, secure and well maintained.
• Perform other duties as assigned by management.

PERFORMANCE MEASUREMENTS

• Investments and/or assignments are efficiently delivered in accordance with established regulatory guidelines and Credit Union policies and standards.
• Good business relations exist with external vendors and their questions are promptly addressed. 
• Assistance is provided as needed.
• Good working relations exist with CU personnel. Assistance is provided as needed.
• Management is appropriately informed of area projects, activities and of any significant problems.
• Required reports and records are accurate and timely.
• Fortera’s Core Values are satisfactorily demonstrated.

Special Note: Fortera Federal Credit Union is an Equal Opportunity/Affirmative Action employer. All qualified applicants will receive consideration for employment without regard to age, sex, race, color, national origin, disability, pregnancy, genetic information, religious preference, protected veteran status, sexual orientation, gender identity or any other trait protected by state or federal law.

Please be advised, visa sponsorship is not available for this position.

QUALIFICATIONS

Education/Certification:

• High school diploma or equivalent. Bachelors’ degree in business or finance preferred. 
• FINRA Series 7 (and Series 66 or 65), FINRA Series 6 (and 63) and state life and health insurances licenses required or must be obtained within 12 months of hire.
• CFP preferred but not required

Required Knowledge:

• In-depth investment knowledge preferred
  
  

Experience Required:

• Minimum two years counseling customers and selling financial products preferred.  
• Previous experience in financial services industry (credit union or community bank) or a retail organization preferred.  

Skills/Abilities:

• Exceptional sales and interpersonal skills
• Able to work independently with minimal supervision.
• Able to exercise sound judgment and make prudent business decisions.  
• Strong presentation skills. 
• Organized and attentive-to-detail. 
• Able to keep good client notes of all interactions and demonstrate excellent follow through. 
• Able to write clearly and informatively, presenting organized and thorough information and data appropriate for the intended audience. 
• Provides timely and professional support to all members and vendors.
• Solid critical thinking and analytical skills. Able to identify and resolve problems
• Able to learn, retain, and apply newly gained knowledge or skills 
• Strong work ethic with an independent, entrepreneurial attitude
• Able to use a PC, related software, and standard office equipment
• Able to manage time and resources to meet deadlines and maintain and effective and efficient workflow.
• Professional dress, appearance and attitude
• Able to work well under pressure while promoting a professional image of the Credit Union.
• Able to work independently, as part of a team, and handle multiple tasks in a fast-paced environment.