Business Consultant III

Kitsap Credit Union is a not-for-profit, member-owned financial cooperative with more than 300 employees and 14 branches throughout Western Washington. We have a passion for making a positive difference. As a $2 + billion-asset credit union, we are deeply committed to our members' financial wellbeing and the prosperity and quality of life in the communities we serve. We are proud to be led by individuals with the experience and skills to drive our organization towards our goals for strategic growth and operational excellence. Our KCU Cares Foundation program focuses on providing resources and support for those struggling with homelessness or hunger and improving the financial well-being of the people in our communities. And beyond monetary efforts, we have provided thousands of hours in staff volunteerism and in-kind support. At Kitsap Credit Union, our success is built on trust-based relationships and personalized service. We understand our employees are key to our success. They provide the personalized service to our members and contribute to the communities where we live. We are committed to providing a supportive, mission-driven, and inclusive culture where employees can grow their careers. To learn more, visit kitsapcu.org . About the role Kitsap Credit Union is in search of a Business Consultant III. The Business Consultant III is an advanced sales role with expanded authority, including more complex financial consultations, pipeline management, and product recommendations. This role leads sales efforts for assigned business segments and mentors junior staff. Quick Facts Reports to: Director of Business Services Employment Type: Full-time, hourly, non-exempt, onsite Salary Range: $32.06 - $38.63 depending on experience Working Hours: Monday - Friday 8AM - 5PM Bonus Target: 6% potential incentive of base pay Grade: 8BC Key Responsibilities Manage full lifecycle of business member relationships, including acquisition, service, and growth strategies. Recommend comprehensive solutions including business accounts, business loans, cash management, merchant services, and personal financial products. Open complex business accounts with no business size limits, with a strong understanding of entity documents and ownership. Conduct in-person meetings with business prospects and business members for relationship development, relationship reviews, and product installation and/or training. Expertise in select industries to provide more tailored guidance, deepen member relationships, and enhance strategic growth efforts. Understanding businesses day to day operations, sales processes, and pain points, recommending tailored Clover solutions, such as integrated point of sale systems, inventory management, and employee scheduling solutions that align with their unique business needs and support their growth. Possess a solid understanding of common business account and transaction fraud schemes, along with effective prevention and mitigation strategies. Proactively educates members on best practices to protect their accounts and business operations. Independently submit and manage business loan applications up to $250,000, with financial analysis documented on a credit presentation as required. Manage a personal pipeline of self-sourced and referred leads with varying conversion timelines. Act as a subject matter expert on specific industry segments. Conduct in-person business visits with branch staff and other internal teams. Meet and exceed established sales and referral goals. Conduct outbound relationship calls to assigned members for service follow-up and cross-sell opportunities. Deep understanding of business deposit and loan product, cash management, and merchant services. Respond to incoming leads and service requests from branches, the contact center, and business members within committed SLAs. Represent the credit union at events during working hours, evenings, or on the weekend. Sales and Referral Goals Achieve established sales and referral goals by effectively promoting business and personal banking solutions. Collaborate with internal teams to ensure a seamless member experience. Qualifications Education and Experience High school education or equivalent. 3+ years of experience in business banking with business lending experience and a track record of consultative sales success. Deep knowledge of business deposit, lending, and treasury services. Skills and Competencies Proven ability to meet or exceed sales and referral goals. Strong consultative skills and ability to lead business member conversations independently. Excellent communication skills, both verbal and written. Strong attention to detail and organizational and time-management skills. Demonstrated ability to shift seamlessly between tasks, priorities, and responsibilities in a fast-paced, dynamic environment. Strong problem solving and analytical skills. Proficiency with Meridian Link, Symitar, and Salesforce is desired. Personal Attributes Approaches every interaction with care and authenticity, striving to become a long-term partner and trusted advisor for each business. Takes genuine interest in understanding the unique goals, challenges, and stories of each business owner. Takes initiative, actively seeks opportunities to add value, and consistently follows through. Demonstrates a strong internal drive and personal accountability, with a focus on delivering measurable outcomes aligning with individual and departmental goals. Operates with a high degree of autonomy, taking ownership of tasks and driving initiatives forward without the need for close supervision. Demonstrates self-direction and seeks opportunities to add value and problem solve. Collaborative team player with a positive attitude. Outgoing and able to build rapport quickly with business members, prospects, and KCU team members.

SUPERVISORY STATUS

This position does not supervise others. Working conditions This position will be required to work in an office environment with moderate noise levels, and, with or without reasonable accommodation is required: Must be able to remain in a stationary position for a minimum of 75% of the time Constantly operates a computer and other office productivity machines The person in this position frequently communicates with peers, supervisors, vendors and employees to exchange accurate information and answer questions Works in an indoor office environment but expected to attend meetings in buildings that require travel in outdoor weather conditions. Local travel using personal vehicle. EQUAL EMPLOYMENT OPPORTUNITY/AFFIRMATIVE ACTION STATEMENT Kitsap Credit Union is firmly committed to equality of opportunity for all employees and applicants for employment in accordance with applicable Equal Employment Opportunity/Affirmative Action laws, directives, and legislation. This job description is intended to describe the general nature and level of work being performed by employees in this position. It is not intended to be an exhaustive list of all responsibilities, duties, and skills required for this position; other duties outside of normal responsibilities may be performed as necessary to meet the needs of the organization. Nothing in this position description restricts management's right to assign or reassign duties and responsibilities to this job at any time. Our Values Integrity: We believe in acting with honesty, trust, and respect which are at the forefront of our daily engagement. Responsibility: We believe that responsibility is holding ourselves accountable for our decisions, actions, and their outcomes. Collaboration: We believe in the power of a diverse group of people working together to achieve a united outcome. Authenticity: We believe activities in actions that demonstrate our commitment to be transparent, dependable, and genuine in every day. What We Offer Not only are we one of the largest credit unions in Washington State, and growing, but we are also a company that cares about its employees. We back that up for our employees by offering competitive pay and a benefits package that helps support you and your family's lifestyle. We value our employees, and we strive to keep our benefits comprehensive and affordable. Some of our benefits include: Medical, Dental, Vision, Short- and Long-term Disability, Life and AD&D Insurance Employee Assistance Program Choose from a PPO medical plan or a High Deductible with a Health Savings Account 3% KCU funded Safe Harbor Contribution to your 401K KCU will match up to 2% of your 401K contributions All 401K contributions are 100% vested Potential annual incentive in all roles within Kitsap Credit Union 8 hours of paid volunteer time off Discounts on KCU's products and services Enjoy unlimited ORCA transit access through KCU for less than $45 a year - your cost as an employee We believe in the power of belonging - it's in our DNA as a not-for-profit, member-owned cooperative. Our un-bank-like structure ensures that we remain all about people: our members, our employees, and the people in the communities where we live and work. We work hard to provide a collaborative and inclusive environment where you can grow and excel in your career. We are dedicated to serving our members by providing personalized experiences, convenient access, and highly competitive products and services. But it goes much deeper than that. For more than 86 years, we have been relentless about making a positive difference in our communities. We understand that when our members and communities succeed, we all succeed, and that success can't happen without great employees. ****** Employment is contingent upon satisfactory background check. Kitsap Credit Union is an Equal Opportunity Employer. All qualified applicants for employment will receive consideration without regard to sex, marital status, race, color, religion, national origin, age, veteran status, disability, genetic information, or any other protected status. ****** #IND Equal Opportunity Employer This employer is required to notify all applicants of their rights pursuant to federal employment laws.For further information, please review the Know Your Rights notice from the Department of Labor. #J-18808-Ljbffr Kitsap Credit Union