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 in order to cross-sell and open accounts. Accurately handle member transactions, review member financial needs and open appropriate account types, quickly, accurately, and efficiently while adhering to the Credit Union's policies, guidelines and procedures. This is a “flex” position that will support coverage to our South County branches in Aptos, Freedom, Watsonville, and Salinas.
Scheduled Weekly Hours:
40 hours per week; Monday – Saturday (rotating Saturday coverage).
What you’ll be doing:
- Promotes and maintains a positive image of Bay Federal at all times to all personnel, members, volunteers, vendors and the community.
- Responsible for promoting and selling Credit Union products and services to new and existing members.
- Takes the initiative to provide dependable, accurate, friendly and reliable service to members while building financial relationships with them.
- Perform the necessary procedures to open all types of Credit Union accounts (both deposits and loans) and effectively present product features and benefits to members. Update and maintain proper member account information. Prepare and process member request forms, information and account closures.
- Provide detailed information to members regarding IRAs, Trusts, Death Claims, and Business Services; process transactions related to these services accurately.
- Provide and assist members with the sign up electronic services, Online/Mobile Banking, Bill Pay.
- Responsible for processing loan requests, gathering of information and documents needed for loan decision. Completion of loan documents and funding of loan.
- Participate in various networking and business development activities.
- Provide Investment Services referrals for members wanting more diversity in their investment portfolio.
- Keeps Branch Management informed in a timely manner of all operations, member service and product related concerns. Makes suggestions, where appropriate, for product and service improvements.
- Meet or exceed specific member loan and deposit account goals as defined in individual or team production plans.
- Maintain current awareness of all NCUA and Federal Regulations governing financial transactions including disclosures, right to privacy, availability of funds, etc.
- May process and audit financial transactions at the request of the Service Manager and/or Branch Manager including but not limited to deposits, withdrawals, transfers, payments and general ledger entries.
- Identifies, investigates and responds to member concerns or problems in a timely manner by interacting with various credit union departments.
- Performs Debit/Credit Card and Instant Issue maintenance, issuance and closure.
- Performs maintenance on BayPhone, BayFedMobile and BayFedOnline card agreements and assists members having problems accessing these services.
- Leads the completion of opening and closing branch duties.
- Assist with lobby duties such as non-cash transactions, deposit account maintenance and coin machine maintenance.
- Ability to serve as a mentor for FSO trainees.
- Participates in team and other meetings for the purpose of training, discussion and process improvement.
You’re Perfect For This Role If You Have:
- High school diploma or equivalent is required.
- Minimum two years of financial institution experience opening new consumer and business deposit products and services
- Experience processing and underwriting consumer loans and originating mortgage applications
- Successful relationship building and sales experience required
- Demonstrated ability to use PC to perform work tasks. Experience using Microsoft Office software, Internet and Intranet required
- Bilingual speaker preferred
Who We Are:
Bay Federal Credit Union was started in 1957 when local school teachers pooled their money together to start a credit union. This original vision and investment has grown into the area’s largest locally-owned financial institution, with nearly $1.6 billion in assets. Today, Bay Federal provides full service financial products and solutions to individuals and businesses in Santa Cruz, Monterey, and San Benito counties.
As a local, member-owned, not-for-profit financial cooperative, we are passionate about contributing to the community and being an integral part of its incredible story. Each year, our employees volunteer their time and donate their money to local non-profits, schools, and events. Our managers serve on local non-profit Boards of Director to be involved, understand challenges, and to make a real difference in the communities we serve.
From our founding as a teacher’s credit union, Bay Federal has continued our commitment to education. We offer annual student scholarships for members and offer a comprehensive array of solutions to support our member's financial wellness. Through online financial education course offerings, solutions for teachers and students, as well as special programs for youth, our financial wellness programs are free and available to the public. This is a small part of our work in creating thriving and vibrant communities!
We look forward to continuing our story, and hope that you will be a part of it!
Perks of Joining Bay Federal Credit Union:
- Rated #1 Credit Union to Work For by CU Journal
- Best Places to Work in the Bay Area (SF Business Times/Silicon Valley Journal)
- 11 Federal Holidays observed as paid days off
- We invest in your professional growth & development by providing access to industry standard webinars, LinkedIn Learning courses, and career tracking. We also partner with Cabrillo College for a 12 week leadership program for up and coming supervisor and manager level employees
- Mac McCormac Employee Scholarship award for $1,500 towards education expenses
- Our hybrid work approach combines the flexibility of remote working with the benefits of bi-annual in-person all staff meetings
Benefits Offered at Bay Federal Credit Union:
- 401k Matching – $1 for $1 company match up to 5% of pay
- Eligibility to participate in annual bonus plan
- Benefits Offered – Medical, Dental, Vision, Life Insurance, and Long Term Disability coverage
- Employee Assistance Program that supports 6 face-to-face sessions per person, per reason, for you and your household
- A wellness program that supports your physical, financial, and emotional health
- Supplemental benefits such as Pet Insurance and Aflac
Bay Federal Credit Union is proud to offer a competitive, robust compensation and benefits package. Bay Federal considers many factors in determining base pay such as experience, education/training, internal peer equity, job location, and other business considerations when extending an offer. For Santa Cruz, CA only, the pay scale Bay Federal reasonably expects to pay for this position is $23 - $27 per hour.
Bay Federal provides health care benefits, life and disability insurance, paid holidays and 401k with a company match to eligible employees; along with employee paid voluntary benefits. Paid time off is accrued per paycheck for eligible employees at a rate based on your tenure. Leaves of absences are available in adherence with state and federal regulations.
Bay Federal is committed to providing equal employment opportunity for all persons regardless of age, disability, national origin, race, color, religion, sex, sexual orientation, gender, gender identity or expression, pregnancy, veteran or military status, marital and civil partnership/union status, alienage or citizenship status, creed, genetic information or any other status protected by applicable federal, state, or local law.
For CCPA's requirements regarding security practices and procedures, please see our privacy page here (https://www.bayfed.com/privacy). Bay Federal Credit Union takes our obligation to keep our member's data safe and secure and adhere to industry standard best practices.
