Personal Banker

Job Description As a Member Financial Specialist, within our Tustin branch, you’ll help UNIFY’s credit union members safeguard their assets! At UNIFY, you matter and are supported, because your success is integral in the overall success of the team and experience of our members. We are all about making sure that our members get the knowledge and assistance they need. The Member Financial Specialists work directly with members to do just that! Daily Responsibilities Listen to understand members’ needs. Resolve member issues regarding their existing financial products (checking, savings, credit cards, loans, etc.). Provide solutions based on training and available resources. Build upon concepts and become a trusted expert. Have passion to help and compassion to understand. Work in various platforms within the branch. What You Will Get From Us Competitive pay: Base wage starts at $25 per hour. A clearly defined career path with promotion opportunities based on your performance. Three weeks of job‑preparedness training. A leadership team committed to motivation and a positive environment. A culture of inclusivity, belonging and fairness. Health benefits, PTO, tuition reimbursement, 401K, and health and wellness incentives. Bilingual and weekend hourly pay differential, where applicable. What We Need From You Passion for helping people and an empathetic ear to our member’s needs. Thirst for knowledge and desire to grow. Ability to build relationships with credit union members and teammates. Willingness to make outbound follow‑up calls to credit union members. Ability to change in daily tasks, procedures, and workspace. High school diploma or equivalent. Computer experience, including ability to type documentation while listening and engaging. Overview UNIFY Financial Credit Union is one of the nation’s largest 100 credit unions with a reputation for being financially sound and growth‑oriented. We’re expanding rapidly to meet the needs of a growing member base. At UNIFY, our team members work together to strive toward a common goal, “providing superior service to our members.” In doing so, we promote a culture where your ideas matter, your growth matters, and you matter. Summary The Member Financial Specialist is a key branch team member that will perform both service and sales activities. MFS’s identify opportunities and take actions to expand our memberships, shares and consumer loan growth through outbound calling, profiling members and generating internal referrals. MFS’s also enhance existing relationships with credit union members in the branch by identifying financial needs and recommending convenient, efficient, and thoughtful financial solutions. Essential Duties & Responsibilities Respond to new and existing member inquiries, facilitate opening of accounts and recommend related Credit Union products and services based on a financial needs analysis. Manage assigned member base and proactively uncover additional financial needs through referrals and outbound tele‑consulting. Proactively seek, develop and maintain new business through outbound calling, internal referrals, interviews with new and existing members, and service calls to prospective employer groups. Perform functions related to Consumer loans, including accepting loan applications, application processing and funding, while following lending policies, procedures and guidelines. Perform functions related to Real Estate loans, including accepting loan applications, application processing and funding, while following real‑estate lending policies, procedures and guidelines. Record daily quality conversations with members and create new member profiles. Implement, support, and monitor product campaigns at branches, ensuring branch goals are met. Assist in the development of best practices and sales strategies by participating in training calls, conference calls, and other in‑branch meetings. Develop and maintain relationships with investment, insurance and mortgage business partners to maximize referral opportunities and achieve sales and service standards. Conduct informal sales presentations to new and existing select employer groups and co‑op groups to generate business. Process member transactions such as receiving and disbursing funds, posting deposits, loan payments, withdrawals, cash advances, and processing mail transactions efficiently and accurately. Assist members with complex issues, initiating research, working with others to resolve and keep the member informed. Balance cash drawer, negotiable instruments, and daily work at the end of each workday, including encoding and proofing checks for item processing, according to Credit Union balancing requirements. Participate in the opening and closing of the branch and may oversee operations in the absence of the manager. Be an advocate and subject‑matter expert on digital banking options for members. Become a Notary Public to service member needs. Perform other duties as assigned. Required Skills Knowledge of features and benefits of Credit Union products and services to solicit, explain, and discuss with members. Knowledge of sales training programs and ability to execute these to fulfill members needs and train members of the sales team. Strong communication skills (written and oral) and effective interpersonal skills to coach and train co‑workers. Strong customer/member service skills. Ability to analyze member’s financial needs and provide related information and/or data to demonstrate the benefits. Work under intensive and competing deadlines. Qualifications High school diploma or equivalent; minimum of six months customer service or sales experience, preferably within a financial institution. Effective verbal and written communication skills, sales skills and proficiency in Microsoft Word, Excel and Outlook. Lending certification or willingness to obtain within three months of hire. Notary certification or willingness to obtain within three months of hire. Competitive Compensation and Excellent Benefits Package Medical (PPO/HMO), Prescription, Dental (PPO/DMO), Vision, Life, and Short‑ and Long‑Term Disability Insurance. Dependent and Medical Care – Flexible Spending Accounts. Vacation, Sick, Personal and Holiday Pay. 401(K) Plan with employer match. Education reimbursement for approved programs. UNIFY banking privileges for you and your family. An offer of employment is conditioned upon complying with UNIFY's requirements including signing a consent to conduct a background investigation. UNIFY is proud to be a drug‑free, EOE including disability/vets. For more information on UNIFY, visit us at #J-18808-Ljbffr