Kinecta Federal Credit Union

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Personal Banker – Greece, NY 11 views

Job Overview

  • Salary Offer Commensurate with Experience
  • Experience Level Some Experience
  • Total Years Experience 1-2
  • Education 2-year degree


Under general supervision of the Mgr Asst Retail Services or Mgr Retail Service, perform duties related to member services and sales production, conducting member conversations; the Select Employer Groups development and business expansion; acts as a financial Advocate to members; and performs related work as assigned.   This position will also complete standard teller transactions accurately and provide information on all products and services to members in a timely, courteous, and efficient manner.


The Personal Financial Advocate II (PFA II) 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 member referrals.  This position also requires good knowledge of cash handling, balancing standards, referrals and sales of products and services.


There are no direct supervisory responsibilities but will be expected to take the lead on assigned projects.


  • Spends minimum of 50% of the time assisting members with teller transactions; assignment will be based on business needs.
  • Processes member transactions e.g., receiving and disbursing funds, posting deposits, loan payments, withdrawals, cash advances, and processing mail  transactions efficiently and accurately.
  • Balances cash drawer, negotiable instructions, and daily work at the end of each workday, including encoding and proofing checks for item processing to Credit Union balancing requirements.
  • Places appropriate holds on accounts for uncollected funds.
  • 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 advises members on products and services, and 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.
  • Records daily quality conversations with members and creates new member profiles.  Inputs new membership accounts accurately and efficiently using established Credit Union policies and procedures. Maintains profiles to meet members’ future needs by conducting daily mini-financial needs analysis.
  • Supports corporate product campaigns at Member Service Centers. Ensures Member Service Center goals are met, anticipates obstacles, and strategy methods to   optimize results.
  • 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 Wealth Management partners, Kinecta Financial Insurance Service, 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.
  • Maintain confidentiality of credit union and member records
  • Arrives to work on time and when scheduled.
  • Provides members with proper disclosures, e.g., funds availability and rate sheets.
  • Contributes to the branch’s achievement of service quality scores, production goals, and individual balancing standards.
  •  Performs a variety of administrative duties in support of MSC operations and tracking, e.g., answers phones, photocopies, and prepares documents for central files.


  • Performs other duties including special projects as assigned.
  • Services the Safe Deposit area, vault and night drop as assigned.


 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 cash handling/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 or minimum of 1 year of retail sales and service experience.
  • Internal Employees
  • Successful completion of Kinecta Internal certification programs (Level I and Level II).

One year of relevant professional-level work experience may be substituted for one year of required education.


  • The working environment is generally favorable.  Lighting and temperature are adequate, and there are no hazardous or unpleasant conditions caused           by noise, dust, etc.
  • The job may require flexibility with regards to scheduling days, hours, and work location, depending on business needs.
  • The job is typically sedentary but may require standing and walking up to 35% of the work time to transfer files, ask questions, and related activities.


Must be able to exercise sound judgment, effectively plan and be well organized, have excellent oral and written communications skills, work well under changing timelines, take the initiative and be flexible and cooperative. Accuracy, timeliness and maintaining confidentiality related to member, employee information and company records is required.

While performing the job duties of this position, the employee is regularly required to sit; talk or hear in person and by telephone; use hands to operate standard office equipment; reach with hands and arms; lift minimum 10 lbs.

The employee is frequently required to walk and stand. Vision abilities required by this job include close vision and the ability to adjust focus to read and operate office equipment, as necessary. The employee works under typical office conditions and noise levels.



The above information on this description has been designed to indicate the general nature and level of work performed by employees within this classification.  It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job.

Kinecta Federal Credit Union

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