Financial Services Officer

About the Role

The Financial Services Officer proactively works with members and prospective members to assess their financial needs, provide accurate information, and appropriately communicate product and service benefits and features to cross-sell and open accounts. This position accurately handles member transactions, reviews financial needs, and opens appropriate account types while adhering to the Credit Union's policies, guidelines, and procedures. Located at our Santa Cruz Branch, this role requires 40 hours per week, Monday – Saturday, with rotating Saturday coverage.

Responsibilities

• Build strong financial relationships by assessing member needs and promoting appropriate Bay Federal products and services.
• Accurately open, maintain, and close all types of deposit and loan accounts while ensuring compliance with policies and procedures.
• Process consumer loan requests from application through funding, including document collection and completion.
• Provide expert assistance with IRAs, Trusts, Death Claims, and Business Services, including accurate transaction processing.
• Support members with digital services such as Online/Mobile Banking and Bill Pay setup and troubleshooting.
• Stay current on and apply all NCUA and Federal Regulations related to financial transactions and disclosures.
• Lead or support daily branch operations, including opening/closing duties and non-cash lobby tasks.

Requirements

• A high school diploma or equivalent.
• At least two years of experience in a financial institution, specifically opening new consumer and business deposit accounts.
• Proven success in relationship building and sales.
• Excellent communication skills — both verbal and written (bilingual is a plus).
• Strong math skills with the ability to compute rates, ratios, and percentages.
• Proficiency using Microsoft Office, Internet, and Intranet tools.

Who We Are

Bay Federal Credit Union, founded in 1957 by local school teachers, has grown into the area’s largest locally-owned financial institution, with nearly $1.6 billion in assets. As a member-owned, not-for-profit financial cooperative, we provide full-service financial products and solutions to individuals and businesses in Santa Cruz, Monterey, and San Benito counties. We are deeply committed to our community, supporting local non-profits, schools, and events through volunteerism and donations. Our focus on financial wellness includes scholarships, educational programs, and free resources for the public. We strive to create thriving, vibrant communities and look forward to continuing our story with you as part of our team.

Why You’ll Love Working at Bay Federal Credit Union

At Bay Federal, we believe in supporting our employees’ well-being, growth, and success. We offer a comprehensive benefits package and meaningful perks, including:

Comprehensive Benefits

• 401(k) Matching: Dollar-for-dollar up to 5% of your pay.
• Annual Bonus Eligibility: Share in our success.
• Health Coverage: Medical, Dental, Vision, Life Insurance, and Long-Term Disability options.
• Employee Assistance Program: Up to six face-to-face sessions per person, per reason, for you and your household.
• Wellness Program: Holistic support for physical, financial, and emotional health.
• Rocket Lawyer Legal Services: Company-sponsored legal assistance.
• Additional Options: Pet Insurance and Aflac supplemental plans.

Perks That Set Us Apart

• Recognized as the #1 Credit Union to Work For by Credit Union Journal.
• Named a Best Place to Work in the Bay Area by SF Business Times and Silicon Valley Journal.
• 11 paid Federal Holidays annually.
• Career Growth & Development: Access to webinars, LinkedIn Learning, and leadership programs.
• Hybrid Work Environment: Remote work opportunities and biannual All-Staff Meetings.

Pay

For Santa Cruz, CA, the expected pay scale is $24.00 - $30.00 per hour. Salaries vary based on geographic location for remote positions.

Bay Federal Credit Union is an equal opportunity employer committed to diversity and inclusion. We are an at-will employer.