Financial Partner/Universal Associate - New Paltz Main Branch

Position Purpose

As a Financial Partner, you will be responsible for promoting the financial well-being of both existing and new members by building, maintaining, and deepening relationships through exceptional customer service and tailored solutions. This includes, but is not limited to, guiding members toward suitable account and loan products, cross-selling credit union services, and referring members to other lines of business as needed, along with handling cash and processing transactions efficiently.

Essential Functions and Responsibilities

• Deliver exceptional member service by accurately processing all branch transactions following proper procedures which include deposits, withdrawals, loan payments, transfers, check cashing, traveler’s checks, money orders, placing check holds, verifying identification and endorsements, wire transactions, and maintaining a balanced cash drawer.
• Aid members in setting up ancillary business products, including Online Banking, Remote Deposit Capture, Merchant Services, and ACH Manager.
• Aid the Branch Manager and Assistant Branch Manager in balancing and maintaining ATMs and vaults, training new employees, and executing opening and closing procedures.
• Demonstrate an understanding of various business structures, such as Sole Proprietorships, LLCs, and Corporations.
• Demonstrate comprehensive knowledge of all products and services offered by Heritage Financial Credit Union.
• Engage in conversations with business members about available commercial loan products and their structures.
• Identify lending opportunities through discussions with business members while opening accounts.
• Participate in outbound activities such as community events, volunteering, call campaigns, and business outreach.
• Proactively reach out to new memberships established through business partners to assess needs and offer appropriate additional products and services.
• Recommend improvements to workflows, efficiency, and quality of service.
• Support and promote all HFCU initiatives for employee development, actively engaging in personal growth by utilizing available tools and resources.
• Submit thorough referrals to the Commercial Loan Department.
• Understand the documentation required for initiating a commercial loan application.
• Engage with Heritage Financial teammates development initiatives and actively participate in personal growth using available resources.
• Organize priorities effectively to achieve monthly goals while maintaining a high standard of work quality.
• Maintain a high standard of work quality by meeting or exceeding established performance goals.
• Respond to inbound member calls, addressing their needs by assisting with account placement and consumer loan products (excluding real estate loans) and promoting and facilitating digital enrollments and adoption for all HFCU products and services.
• Perform duties in compliance with federal and state regulations, as well as Credit Union policies and procedures.
• Manage digital inquiries and requests across various platforms, including chat, online accounts, and marketing leads.
• Effectively perform Lobby Engagement and First Impression Opening daily.

Requirements

• High School Diploma or equivalent required; Bachelor’s degree preferred.
• NMLS License required. A Notary License is required or must be obtained within 9 months of hire.
• A foundational understanding of the Commercial Loan Products offered by the credit union.
• Comprehensive knowledge of all products and services offered by Heritage Financial Credit Union.
• Experience in customer service, needs-based selling, goal achievement, cash handling, account and loan intake and funding, project participation, team collaboration, and community engagement with 4+ years of experience.
• Knowledge of Bank Secrecy Act (BSA) requirements and how they will affect their work.
• Microsoft Office Software proficiency.

Skills/Abilities

• Critical thinker with the ability to creatively solve problems and develop business plans.
• Effective communication with team members and peers to foster a supportive and collaborative network.
• Needs-based selling with exceptional product knowledge.
• Engagement, enthusiasm, and passion by delivering exceptional service to both internal and external members.
• Committed to active listening, anticipating, and addressing the needs and concerns of both internal and external customers.
• Knowledge of Microsoft Office Software.