Job Description

The Personal Financial Advocate II (PFAII) is based in Member Service Centers.  PFA II works within established guidelines to perform sales and service activities and routine teller transactions. Successful performance of the work requires good knowledge of sales, member service policies and procedures, member management, and basic financial analysis.  Responsibilities include direct contact with credit union members and staff regarding inquiries, product offerings and lead generation.  This position also requires good knowledge of cash handling, balancing standards, referrals and sales of products and services.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

• Responds to new member inquiries, facilitates opening of accounts and recommends related Credit Union products and services based on a mini-financial needs analysis.

• Proactively seeks, develops and maintains new business resulting in memberships, shares, consumer loans, through outbound calling, internal referrals, interviews with new and existing members, and service calls to prospective employer groups.

• Assists in the development of best practices and sales strategies by participating in Job Family Meetings, conference calls, and other in branch meetings. 

• Processes, loads and funds consumer loans, gathers supporting documents, and reviews all documents for completeness.

• Develops and maintains relationships with Kinecta Financial Insurance Service Financial Consultants and Mortgage Loan Consultant partners to maximize referral opportunities and achieve sales and service standards. Advises members on products and services that meet their specific needs. May conduct informal sales presentations to new and existing Select Employer Groups and Co-op groups to generate business.

• Processes member transactions e.g. receiving and disbursing funds, posting deposits, loan payments, withdrawals, cash advances, and processing mail transactions efficiently and accurately.

KNOWLEDGE, SKILLS AND ABILITIES:

• Knowledge of features and benefits of Credit Union products and services in order to solicit, explain, and discuss with members. This information may be acquired through on-the-job and formal training programs.
• Knowledge of corporate sales training programs and ability to execute on these to fulfill members needs and train members of the sales team. Information relating to specific Credit Union programs may be acquired through on-the-job and formal training programs.
• Strong communication skills (written and orally)
• Basic computer skills needed for accurate data entry of member and loan account information, and to create and revise general correspondence.
• Effective interpersonal skills.
• Strong customer/member service skills.
• Ability to analyze member’s financial needs and provide related information and/or data to demonstrate product and service benefits.
• Ability to listen, observe and interpret people and situations.
• Ability to analyze and solve problems.
• Ability to interact with staff, members and others encountered in the course of work.
• Ability to learn and apply new information or skills.
• Ability to perform highly detailed work on multiple, concurrent tasks.
• Ability to use math and apply mathematical reasoning and abstract statistical concepts.

EDUCATION, TRAINING AND EXPERIENCE:

Potential candidates for this position must meet the following requirements:

• Associate Degree in relevant field. Minimum of 1 year of retail sales and service experience.

• 1-year performance at 3.5 level in PFAI position OR 2 years’ experience in product sales in a financial institution and minimum 1-year experience in customer service and cash handling; or equivalent combination of education and experience.

• Successful completion of Level I and Level II certification programs.

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EXPERIENCE AS OUTLINED MAY BE SUBSTITUTED FOR EDUCATION ON A YEAR-FOR-YEAR BASIS.

Company Description

Kinecta Federal Credit Union is one of the nation's leading Credit Unions, with more than $4 billion in assets and serving over 285,000 member-owners across the country. From the beginning, we have helped our members fulfill their dreams. In 1940, Hughes Aircraft Employees Federal Credit Union was an idea born from a simple inconvenience: employees of the Hughes Aircraft Company were spending too much lunchtime driving downtown to handle their finances. So why not start a credit union, right there at the plant? “I went to Mr. Hughes’ office in Hollywood and talked to his secretary Nadine. I gave her all the facts and Mr. Hughes said, ‘Sure. Start the Credit Union. Just keep my name clean. I don't want anything funny going on.’ I said, you can be sure of that. And Hughes Credit Union was born.”

• Lou Merandi, Credit Union Founder & Hughes Aircraft Chief Tool Designer, 1937-1981 In October 1940 a United States government charter was issued to establish the Credit Union. Each of the 12 founders deposited $5 to make the Credit Union's total assets $60. Membership cost 25 cents and the maximum loan amount was $200. We launched our name change to Kinecta Federal Credit Union in July 2001, after serving our members proudly as Hughes Aircraft Employees Federal Credit Union for more than 60 years. As we continue to expand our position as a leader in the financial services industry our Kinecta name and logo represent our continued commitment to delivering unequalled value to the members-owners of Kinecta Federal Credit Union. Our promise: Every aspect of our organization, from our employees, to our communications, to our products and services, sets standards of excellence by remembering that our business is serving our members. And we’re committed to doing that better than anybody.