The Financial Advisor establishes value-added relationships with Members to understand their investment and planning needs and to offer solutions using a total, individual needs-based approach. Serve as primary point of contact to provide advice to Members for long-term financial planning, as well as educating and explaining the risks and benefits of investment and insurance products based upon the member's specific objectives and tolerance for risk. The needs that a Financial Advisor should be able to meet generally are growing and protecting assets and include the following: Determine and document the suitability of investment and insurance recommendations based upon a member's tolerance to investment risk, in such a way so the customer sees the value, and understands the risks, features and benefits associated with the solution
- Provide financial planning and investment advice from routine to highly complex
- Legacy Planning
- Protection of assets from unexpected / large scale healthcare expense
- Protection of assets from estate taxes
- Prospect outside of SECU in order to bring in new member relationships
The position entails outside community involvement, partnering with and referring business as applicable to various lines of business including branch banking, business bankers and commercial lenders, mortgage loan originators, and financial center leadership. Develop an understanding of Credit Union philosophy, organization, bylaws, and operational procedures. Requirements:
- Bachelor's Degree in preferably Economics, Finance Business, or equivalent work experience in Financial/Investment Services.
- 4+ years Investment Sales Experience
- Proven and documented record of success in investment sales
- Must display traits such as honesty, work ethic and collaborative team-orientation
- Must embrace the social and cultural values of SECU
- Must have the relevant product knowledge and required skills to execute the business model outlined above
- Must be proficient with technology and digital banking tools and channels. Knowledgeable in Microsoft programs; including Word, Excel, and Outlook.
- Must be PC literate, able to read and create reports, understand legal documents, and communicate effectively through LPL approved communications.
- Must be organized with the ability to pay attention to details. Must have a proficiency with calculators and an aptitude for numerical transactions.
- Present a professional image and cultivate a strong working relationship with credit union employees, members and other key individuals involved in the credit union.
- Strong collaboration, relationship building and partnership in support of a team-based culture.
- Leadership of self and others to include peer development, coaching and accountability.
- Follow the broker dealer established insurance and securities compliance guidelines, and strictly adhere to all company policies
- Conduct business according to high standards of honesty, fairness, and integrity and render service to Members and associates which in the same circumstance we would demand for ourselves
- Insure duties are performed in accordance with just and equitable principles of trade, federal and state laws and industry regulations
- Stay abreast of current legislation, regulations and policies
- Complete and submit all required tracking and reporting data into CRM system
- Adhere to all elements of the SECU/FA and Broker Dealer Registered Representative Agreement
- Must have the following professional certifications:
- FINRA Series 7
- FINRA Series 66 or Series 63 & 65
- MD Life and Health Insurance designation
- Certified Retirement Planning Counselor (CRPC) preferred
- Certified Financial Planner (CFP) preferred
In addition to never being controlled by outside owners, one of the great perks of joining Team SECU is our total rewards package for all employees working 20+ hours per week, which includes:
- Market competitive pay
- Robust 401(k) retirement savings program
- Generous paid leave programs
- And more....2024 SECU Benefit Guide
To learn more about what it is like to work at SECU please visit our career portal - secumd.org/careersIf you're interested in a challenging and rewarding career then SECU is for you!SECU is an Equal Opportunity Employer