Financial Consultant

Travis Credit Union
life insurance, vision insurance, 401(k)
United States, California, Vacaville
Apr 06, 2025
Description Summary : Travis Credit Union's (TCU) Financial Services Advisers provide financial consulting services to assist members with identifying their financial goals and objectives. This team acts as a catalyst for the promotion and growth of TCU's financial products and services portfolio. Two career ladders exist within the Financial Services Advisors family: independent consultant or a collective wealth advisory team. By assisting TCU members in identifying and growing their financial health objectives, this team acts as a conduit in providing tools for member objective achievement while supporting TCU's overall services capabilities and strategic objectives. Profile: Reviews, analyzes and recommends appropriate mixture(s) of products and services to support each member's individual financial goals and objectives. Establishes, maintains and develops trusting and effective advisory, fiduciary relationships with members. Conducts financial consulting sessions with members to identify financial needs and objectives. Applies expert knowledge of a wide range of financial plans and products including investment, savings and insurance products to support member financial goals. Researches and solves member investment issues. Analyzes financial information obtained from members to determine and recommend strategies members can use to work towards their financial goals and objectives. Answers members' questions about the purposes and details of financial plans and strategies. Recommends appropriate mixture(s) of products and services to support each member's individual financial goals and objectives. Reviews members' accounts and plans regularly to determine whether life changes, market trends, economic changes, or financial performance indicate a need for plan reassessment. Stays informed on the economic and political environment and the credit union's investment outlook. Keeps abreast of market conditions and adheres to all regulations, compliance policies and procedures as stipulated by identified industry regulator, the broker/dealer and the credit union. Maintains well-organized client files to include all necessary documentation to adhere to established regulations, policies or procedures of the industry regulator(s), the broker/dealer and TCU. Ensures recordkeeping is legible, concise, consistent and well organized. Establishes and maintains positive, productive relationships with management and staff assigned to branch offices served. Participates in branch meetings to provide updates on referrals. Provides ongoing training for TCU member-facing staff. Partners with Community Relations to plan and conduct educational seminars on financial planning topics such as retirement planning, estate planning, and insurance and investment services. Maintains professional relationships with product wholesalers to remain current on features and trends in the market, product design, implementation and selling technique. Offers consistent, professional member service through direct, phone, electronic or written communication. Effectively manages assigned performance expectations with regard to volume of appointments, volume of sales, volume of gross dealer commission and member satisfaction ratings, ensuring corporate goals are achieved. Utilizes wealth management tools and stays current on changes to existing and new investment products and services. Not all functions/tasks are listed above; however those listed are considered essential. Skills: Extensive knowledge of insurance and investment terms, concepts, practices, procedures, recordkeeping, legal requirements and market trends. Excellent written and verbal communication skills. Ability to successfully tailor communications according to the audience. Ability to prepare and effectively facilitate presentations. Ability to effectively present information and respond to questions from groups of managers, clients, customers and the general public. Ability to successfully build and maintain client-member relationships, keeping current member financial plans up-to-date and recruiting new members on an ongoing basis. Ability to apply concepts of basic algebra and geometry. Ability to accurately calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference and volume. Ability to read, analyze and interpret general business periodicals, professional journals, technical procedures and governmental regulations. Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram and schedule form. Sound understanding of TCU's products and services. Ability to work independently and motivated to achieve performance goals with minimal supervision. Proficient in MS Office products (Word, Excel, PowerPoint and Outlook). Detail-oriented and the ability to maintain confidentiality at all times and handle sensitive financial matters with tact and diplomacy. Reporting and Experience: Reports directly to assigned department management. Bachelor's degree and a minimum of 2 years of related experience; or an advanced degree without experience; or equivalent work experience. FINRA Series 7 and 63/65 or 66 Licenses. California State Life Insurance & Variable Annuity License. Working Conditions: Work is generally performed within an office environment, with standard office equipment available and usually sedentary in nature. Requires travel to TCU locations and attending special and community-related events during evenings and/or weekends. Position incumbents must register with LPL Financial and maintain a status in good standing per LPL requirements. Ongoing employment is contingent upon meeting all such requirements, including acceptable background investigation results. Failure to register successfully or to maintain a status in good standing with LPL Financial will affect eligibility for continued employment in this position. Participation in TCU Driving Program is required. Incumbents will be required to furnish their driving record from the Department of Motor Vehicles, proof on insurance and sign an authorization so TCU can obtain records directly from the Department of Motor Vehicles. Subject to any limitations imposed by law, full cooperation with any request for records or request for an authorization to seek such records is required. Understands the requirements of the BankSecrecy Act and ensures compliance through monitoring and reporting of member activity as appropriate. Compensation : Starting salary is commensurate with experience. In addition to our competitive benefits, this opportunity with Travis Credit Union has a base pay of$66,560.00/annually plus Incentives. Our compensation philosophy is based on several factors such as (but not limited to) the scope and responsibilities of the position, the candidate's work experience, education/training, and key skills. At Travis Credit Union, our priority is that our employees and their loved ones are provided with a Total Rewards program that insures their health and welfare safety which allows our employees to focus on the financial welfare of our members and the credit unions objectives. As such, Travis Credit Union offers a robust benefits package to our eligible employees, including competitive medical, dental, and vision insurance, mental health offerings, employee performance incentive plan, merit increases, 401(k) program with immediately vested employer match, generous holiday and vacation policy, and extensive TCU specific perks like employee loan and credit card discounts! Travis Credit Union is an Affirmative Action Employer EOE/Individual with Disability/Veteran Status #traviscu