Financial Advisor - Houston/Coastal

Job Summary 

The Financial Advisor provides members, non-members, and UFCU employees with financial and retirement planning services. The Financial Advisor will provide investment advice by drawing upon a broad range of experience and knowledge, recommend appropriate financial solutions, and communicate information about risks, attributes, features, and benefits of investment products and services. The Financial Advisor reports to the Program Manager. 

About UFCU 

Our Credit Union was founded in 1936 and has grown to serve members throughout Texas and beyond. At UFCU, we are more than just a financial institution, and our people are more than just employees. We are dedicated to our purpose of empowering our Members to achieve financial success and build brighter futures. 

In pursuit of our aspiration that UFCU is loved by millions of Members and built to thrive for generations, we are guided by our values: 

Purposefully Member-Obsessed 

We are driven by a profound sense of empathy to deeply understand our Members’ needs and preferences, what brighter futures means to them, and the obstacles in their way. We act in our Members’ best interests, forever seeking to empower their financial success. 

Possibilities Reimagined 

We are inspired to courageously experiment, learn, and iterate in pursuit of positive impact for our Members, UFCU, and coworkers. We challenge assumptions, embrace diverse perspectives, and make use of data and insights. 

Performance Excellence Rooted in Unwavering Integrity 

We do the right thing, always. We champion teamwork, accountability, continuous improvement, and celebrate successful outcomes of others, fostering an inclusive environment of excellence and collaboration. 

Essential Functions 

Financial Service, Relationship Management, and Program Growth 

• Consistently provide exceptional personalized investment services by meeting with members, non-members, and employees in order to acquire a full understanding of their financial objectives.   
• Analyze financial information and develop a diversified investment strategy using a wide range of products to meet the members’ goals.  
• Advise clients with complex investment relationships on asset allocation and portfolio construction. Follow up on a regular basis to ensure the members’ needs are met. 
• Fully understand production expectations and consistently meet or exceed monthly sales quotas. 
• Utilizes communication skills and investment experience in order to quickly build rapport and trust with members and non-members.  
• Consistently act in a professional and ethical manner. 
• Conduct seminars and workshops, as needed, on financial and retirement topics. 
• Prospect for clients internally and externally through client referrals, networking opportunities and existing members. 
• Identify opportunities to expand member relationships. 
• Consistently follow up on leads elicited through growth generating activities and internal referrals 
• Conduct periodic trainings with branch team members. 
• Attend UFCU sponsored employee events and participate in branch meetings on a regular basis. 
• Provide coaching, advice, and general information about all Investment products and services. 

Professional Knowledge and Development 

• Keeps all licenses current 
• Completes required training and continuing education and maintains current knowledge of available financial products and services. 
• Seek appropriate guidance and coaching from Investment Advisors and Senior Investment advisors. 
• Meets regularly with the Program Manager and participates in additional training as needed. 
• Provides guidance on basic daily duties when assigned a sales associate or when partnering with an Investment Associate, consistent with organizational policies and applicable laws. 

Other 

• Adheres to all company policies, procedures, and business ethics codes. 
• Completes required regulatory training as assigned. 
• Maintains strict adherence to and compliance with all laws, rules, regulations, and internal controls specific to the role, including but not limited to Bank Secrecy Act, Anti-Money Laundering, USA Patriot Act, OFAC and Fair Lending regulations. 
• Follows applicable credit union, Financial Industry Regulatory Authority, Securities and Exchange Commission, and broker-dealer rules and regulations. 

Knowledge/Skills/Abilities 

Knowledge 

• Understanding of financial products and services, including retirement plans, investment vehicles, and insurance. 
• Knowledge of regulatory standards affecting financial advising (e.g., FINRA, SEC regulations). 
• Awareness of risk management principles and ethical guidelines in financial services. 
• General understanding of personal financial planning concepts and tools. 

Skills 

• Exceptional sales orientation 
• Strong oral presentation skills 
• Strong verbal and written communication for explaining complex financial concepts to members. 
• Active listening to accurately assess member needs and goals. 
• Analytical thinking to evaluate financial information and recommend appropriate solutions. 
• Problem-solving to address member concerns and resolve issues efficiently. 
• Time management and organizational skills to handle multiple client accounts and tasks. 

Abilities 

• Ability to create trust with members and build positive relationships. 
• Ability to maintain confidentiality and safeguard sensitive member information. 
• Ability to work independently and collaboratively within a team environment. 
• Ability to adapt to changing member needs, market conditions, and organizational priorities. 
• Ability to pursue continuing education and stay current with industry trends. 

Core Competencies 

• Demonstrating Member Obsession 
• Puts themselves in the Member’s shoes 
• Looks for friction points 
• Makes it personalized and easy 
• Demonstrating Performance Excellence 
• Sets standards for elevating excellence 
• Ensures elevated quality 
• Takes responsibility 
• Conducts continuous improvement 
• Demonstrating Innovation 
• Challenges current thinking 
• Approaches change with a positive mindset 

Experience 

Minimum Requirements 

• High School Diploma or Equivalent. 
• FINRA Series 7 and Series 66 or Series 63/65 combination licenses. 
• State Life and Health Insurance licenses. 
• Minimum of three (3) years of related experience required. 
• Must be bondable. 
• Ability to satisfy required criminal history disclosure and fingerprinting requirements. 

Preferred Requirements 

• Bachelor’s degree in a related field 

Physical Demands 

The physical demands described are representative of those that must be met by an employee, with or without accommodation, to successfully perform the essential functions of this job. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions. 

Frequent 

• While performing the duties of this job, the employee is regularly required to sit; use hands to finger, handle or feel; reach with hands and arms; and talk or hear. 
• Specific vision abilities required by this job include close vision, distance vision, peripheral vision, and ability to adjust focus. 
• Employee will make extensive use of the telephone and virtual communications requiring the ability to explain complex information effectively and accurately. 
• This position involves frequent travel to various locations throughout Galveston, League City, and the Houston metro area, as well as occasional travel to other cities including Austin. 

Work Environment 

The work environment characteristics described are representative of those an employee encounters while performing the essential functions of this job. 

• This position may involve periodic stressful conditions. 
• May occasionally require an adjusted work schedule, overtime, and evening/weekend hours. 
• May occasionally move from one work location/branch to another. 
• Public contact position, requiring appropriate professional appearance. 
• Frequent computer use at a workstation of up to two hours at a time. 
• The noise level in the work environment is usually quiet. 

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