Financial Advisor - Southeast MI

Primary Location: Southeast Michigan | Employee Status: Full-time | Estimated Hours/Week: 38 | Remote: No | Travel: 25%

About the role

Lake Michigan Credit Union is looking for a Financial Advisor to provide comprehensive financial planning, investment, and insurance solutions that help members achieve their short-term and long-term financial goals. This highly visible, member-facing role serves as a trusted advisor, partnering closely with branch teams to identify opportunities, deepen member relationships, and deliver tailored financial strategies. The Financial Advisor is responsible for developing and managing a book of business while helping members navigate important financial decisions through a consultative planning approach.

Responsibilities

• Financial Planning & Advisory Services
  • Provide comprehensive financial planning services to members and prospective members using a goals-based advisory approach.
  • Evaluate member financial situations, assets, liabilities, objectives, risk tolerance, and time horizons to develop personalized financial strategies.
  • Recommend investment and insurance solutions that align with each member's financial goals and circumstances.
  • Conduct portfolio reviews and ongoing financial planning discussions to ensure recommendations remain consistent with changing needs and objectives.
  • Educate members on investment principles, retirement planning, wealth accumulation, risk management, and other financial planning topics.
  • Build trusted relationships through proactive communication, exceptional service, and consistent follow-through.
  • Maintain a high standard of professionalism, ethics, and fiduciary responsibility in all member interactions.
• Business Development & Relationship Management
  • Achieve established production goals and service objectives for assigned branches and book of business.
  • Develop and expand relationships with current and prospective members through referrals, networking, and proactive outreach.
  • Partner with branch teams to identify financial planning opportunities and connect members with appropriate solutions.
  • Conduct financial planning seminars, workshops, and educational events to promote financial wellness and increase awareness of available services.
  • Maintain regular contact with members to strengthen relationships, identify emerging needs, and uncover opportunities for additional advisory services.
  • Manage sales activities, pipeline development, and follow-up efforts to ensure a consistent and positive member experience.
  • Represent LMCU professionally within the communities and markets served.
• Branch Partnership & Team Development
  • Partner closely with branch leadership and staff to deepen member relationships and increase financial planning engagement.
  • Provide ongoing coaching and training to branch employees on identifying member financial needs and referral opportunities.
  • Support branch teams with sales strategies, financial planning discussions, and member education initiatives.
  • Help foster a collaborative environment focused on delivering comprehensive financial solutions.
  • Share industry knowledge and best practices that enhance branch-level member service and financial guidance capabilities.
• Cross-Functional Collaboration
  • Collaborate with Mortgage, Business Banking, Premier Banking, Consumer Lending, and other business lines to deliver holistic financial solutions.
  • Leverage internal partnerships to identify opportunities that support members' broader financial goals.
  • Coordinate referrals and information sharing to enhance member outcomes and strengthen relationships across the organization.
  • Work closely with internal stakeholders to ensure a seamless and consistent member experience.
• Compliance & Culture
  • Adhere to and champion LMCU's core values of Curious Minds, Collaborative Hearts, and Continuous Excellence.
  • Follow all broker/dealer, insurance company, and organizational policies and procedures.
  • Maintain compliance with applicable laws, regulations, licensing requirements, and industry standards.
  • Ensure adherence to Bank Secrecy Act (BSA), USA PATRIOT Act, Office of Foreign Assets Control (OFAC), and related regulatory requirements.
  • Support sound risk management practices while delivering an exceptional member experience.

Requirements

• Three to five years of financial advisory, wealth management, investment, or related financial services experience required.
• Demonstrated success developing client relationships and achieving sales and production goals.
• Experience providing comprehensive financial planning, investment, and insurance recommendations preferred.
• Bachelor's degree required or equivalent combination of education and relevant work experience.
• Active FINRA Series 7 and Series 63 licenses required.
• Series 65 or 66 license required.
• Life and Health Insurance licenses required.

Skills

• Strong understanding of financial planning, investment products, retirement planning, and insurance solutions.
• Knowledge of financial markets, portfolio management principles, and risk assessment methodologies.
• Proficiency with financial planning software, CRM tools, and Microsoft Office Suite.
• Ability to analyze complex financial situations and provide appropriate recommendations.
• Strong attention to detail with a commitment to accurate documentation and follow-through.
• Exceptional relationship-building and consultative sales skills.
• Excellent verbal, written, presentation, and interpersonal communication abilities.
• Strong member service orientation with a commitment to delivering personalized financial guidance.
• Ability to build trust, demonstrate empathy, and establish long-term relationships.
• Strong business development and networking capabilities.
• Excellent organizational, time management, and prioritization skills.
• Strong problem-solving, analytical, and critical-thinking abilities.
• Self-motivated with the ability to work independently while collaborating effectively with cross-functional teams.
• Commitment to continuous learning and staying current on financial planning trends, investment products, and regulatory developments.
• Ability to communicate complex financial concepts in a clear, understandable manner.

Benefits

• All Employees: Weekly pay and retirement savings options.
• Full-Time Employees: Comprehensive health coverage including medical (with prescription), dental, vision, HSA match, paid parental leave, and tuition reimbursement.