Patelco Credit Union

  • Financial Advisor - Berkeley & San Leandro

    Job Locations US-CA-Pleasanton
    Req No.
    2018-3038
    Category
    Investment & Insurance Services
    Type
    Regular Full-Time
  • Overview

    We’re here to help people in communities throughout Northern California build financially healthy lives. We do this by being attentive and partnering with our members to understand what is financially best for them. We thrive on change, and we put people first. If you’re looking to use your skills and knowledge to make a difference in the lives of others, we look forward to hearing from you.

     

    About Patelco Credit Union

    Patelco is a not-for-profit credit union, serving the financial needs and aspirations of more than 300,000 members. What we earn, we return to our members in savings from lower loan rates, fewer fees, and personalized service that focuses on transparency, simplicity, and trust. Our mission remains the same as when we started in 1936, to provide products, services, education and expertise that will empower our members to rise up and achieve financial freedom. 

     

    The Opportunity

    In this role, responsibilities will include helping members and/or new clients by assessing their financial goals, needs and objectives while providing them with exceptional personalized service and investment products.

    Responsibilities

    • Identifies and evaluates customer needs for financial services, assess the objectives and goals of the individual, then develops an investment strategy to implement.
    • Analyzes client financial information (including assets, income, debts and other liabilities, cash flow, and tax status), investment objectives and goals and determining which financial products best meet individual customers’ needs and financial circumstances. This includes comparing and evaluating possible investment options for individual clients, identifying investment strategies and potential investments based on market conditions and clients’ particular circumstances, and assessing the timing of investments by analyzing market conditions to determine the optimum times to conduct securities transactions for clients.
    • Collects (either in person or by telephone) client financial information (including assets, income, debts and other liabilities, cash flow, and tax status), investment objectives and goals.
    • Advises customers regarding the advantages and disadvantages of different financial products.
    • Services and performs periodic reviews of existing client accounts and meets with clients periodically to review and update client needs ensuring investment objectives and goals are progressing according to plan. Meetings to take place either monthly, quarterly and/or yearly depending on client needs established by Representative.
    • Stays current and analyzes market conditions and otherwise educating and updating themselves about financial and investment vehicles in the market and the tax and securities consequences to clients of particular investments. Attends training and/or completing required continuing education and keeps current on investment products and services offered. Meets regularly with Program Manager and trains, if necessary, with Program Manager.
    • Drives investment and program integration initiatives with credit union and/or assigned bank program (includes branch personnel training). Provides regular feedback to the branch employees, identified credit union executives and sales manager regarding sales practices and business development initiatives.
    • Work with Financial Center Managers to identify and leverage cross-sell opportunities.
    • Supports all product and campaign launches. Markets, services, and promote financial services and products, including prospecting new clients through marketing, call outs, etc, and scheduling appointments.
    • Remains visible to the appropriate segments of the public in order to meet and to retain potential new clients for, including conducting client workshops/seminars on various topics (i.e. Social Security, Education planning, Retirement planning, etc.)
    • Brings about the purchase or sale of financial product including executing the actual transactions that result from their financial advice. Follows through on the sales goals set forth by the Investment Program.
    • Develops/updates business plan with Program Manager.
    • Identifies and develops relationships with Wholesalers.
    • Follows the rules and regulations set forth by the credit union, FINRA, SEC and the
    • broker/dealer.
    • Represents the firm and assigned financial institution in relationships with major clients, industry organizations, regulatory bodies, and other key outside parties.
    • Sets and keeps consistent office hours at designated branch(es).
    • Supports Company Mission and Corporate Values.

    Qualifications

    • Minimum completion of a 4-year degree in finance, business or related field required.
    • Minimum 5 years’ experience in the financial services field. Related member service experience helpful.
    • Proficient in MS applications such as Word, PowerPoint, Excel.
    • Excellent working knowledge of financial institution products and services, as well as, life insurance, annuity and securities products. Proficient in operational procedures related to member accounts.  Strong practical understanding of general economic principles relating to all aspects of personal finance.
    • Possess FINRA Series 7, 63 and 65 (or 66), Life and Health Insurance licenses. All employees must disclose any criminal history with broker/dealer. All individuals will be fingerprinted, as mandated by the FINRA Books and Records rule.  All fingerprint submissions are processed through the Federal Bureau of Investigations and Department of Justice and results are returned to broker/dealer via electronic notification.  Any criminal history not previously disclosed to broker/dealer can result in disciplinary action, up to and including immediate termination.

    Competencies Required

    • Must be able to do the following: to read, to perform arithmetic operations quickly and accurately; to see details and recognize errors in numbers and spelling; to present information effectively; to work within precise limits of accuracy; to follow instructions; to accept responsibility; to be tactful and patient with others.
    • Ability to communicate successfully and in a professional manner with clients, above average math aptitude, excellent oral and written communication skills, excellent decision making and problem solving skills, superior amount of computer literacy and proofreading capabilities and strong organizational skills.
    • Excellent working knowledge of financial institution products and services, as well as, life insurance, annuity and securities products.
    • Proficient in operational procedures related to member accounts.
    • Strong practical understanding of general economic principles relating to all aspects of personal finance.
    • OTHER QUALIFICATIONS Patience, empathy and tact, confidentiality, initiative, ability to work in stressful situations, friendly, outgoing and professional personality, ability to be flexible.

    Physical Activities/Requirements

    • Position requires travel to different branch locations. Must have a valid CA Class C license.

     

     

     Patelco Credit Union is an EO Employer - M/ F/ Veteran/ Disability

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