Business Consultant III

About the Role

Kitsap Credit Union is seeking a Business Consultant III, an advanced sales role with expanded authority. This position leads sales efforts for assigned business segments, provides complex financial consultations, manages pipeline, and mentors junior staff. The role is full-time, hourly, non-exempt, and onsite with a salary range of $32.06 - $38.63 depending on experience. Working hours are Monday - Friday, 8AM - 5PM, with a 6% potential incentive bonus of base pay.

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 members for relationship development, reviews, and product installation/training.
• Develop expertise in select industries to provide tailored guidance and enhance strategic growth efforts.
• Understand businesses' day-to-day operations, sales processes, and pain points; recommend tailored Clover solutions (e.g., integrated point of sale systems, inventory management, employee scheduling).
• Possess a solid understanding of common business account and transaction fraud schemes; educate members on prevention and mitigation best practices.
• Independently submit and manage business loan applications up to $250,000, with financial analysis documented on a credit presentation.
• 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.
• Demonstrate deep understanding of business deposit and loan products, 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 weekends.
• Collaborate with internal teams to ensure a seamless member experience.

Requirements

• 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/time-management skills.
• Demonstrated ability to shift seamlessly between tasks, priorities, and responsibilities in a fast-paced 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.
• 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 strong internal drive, personal accountability, and focus on delivering measurable outcomes.
• Operates with a high degree of autonomy, taking ownership of tasks and driving initiatives forward.
• Collaborative team player with a positive attitude.
• Outgoing and able to build rapport quickly with business members, prospects, and KCU team members.

Working Conditions

• Required to work in an office environment with moderate noise levels.
• 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.
• Frequently communicates with peers, supervisors, vendors, and employees to exchange accurate information and answer questions.
• Works in an indoor office environment but may attend meetings requiring travel in outdoor weather conditions.
• Local travel using personal vehicle.

Benefits

• Free onsite parking.
• Annual time off and sick time accrued.
• 11 paid holidays plus 1 personal floating day.
• Medical, dental, vision, short- and long-term disability, life, and AD&D insurance.
• Employee Assistance Program.
• Choice of PPO medical plan or 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 (100% vested).
• Potential annual incentive in all roles.
• Tuition reimbursement.
• 8 hours of paid volunteer time off.
• Discounts on KCU's products and services.
• Unlimited ORCA transit access for less than $45 a year.