Smart Money Coach - Westchase District

The Smart Money Coach will promote financial wellness and education. They will be responsible for helping members achieve success along their financial journey by educating and empowering them to make informed financial decisions and improving their overall financial well-being. They will coach members on how to build a solid financial foundation by: developing personalized strategies, supporting budget planning and exploring debt reduction tactics while building credit worthiness and identifying long-term goals they desire to achieve. This role will focus on meaningful membership growth through deposits, account openings, loans and services.

They will also participate in the online account opening process by personalizing onboarding for members who qualify for our Smart Start suite of products. They will be an expert in consumer lending, with extensive product knowledge, customizing the member’s relationship with Smart Financial Credit Union. The Smart Money Coach will collaborate with the consumer underwriting team to ensure they are aligned with underwriting processes and that relationships develop across internal channels that will enhance this program.

• Conduct one on one financial coaching sessions for new and existing members, with an emphasis on relationship building and membership growth. These sessions may be conducted over the phone, in person or virtually, as requested by members, and will include an introduction to Savvy Money, tailored action plans for budget, credit building, debt reduction and setting achievable savings and credit goals. Educate members on their credit report and how their credit behavior impacts their scores. Perform regular follow ups to celebrate and encourage members on their progress. Build book of relationships to grow Smart Start membership and deposits. This position will require connecting with members primarily through outbound calling, and scheduled meetings.
• Work closely with Deposit Operations to review new online accounts for approval, contact members to obtain necessary documentation, and assist members with completing applications for deposit or loan accounts. Perform outbound calling to all members who apply online to build relationships and ensure they are requesting the account best suited for their banking needs. Open accounts as needed, in accordance with credit union policy.
• Work with the underwriting department to review denied loan applications to identify potential future approval, coaching members on ways to improve credit and financial health. Review recently booked debt consolidation loans and contact members for consultation on how to avoid recurring credit debt, review savings and future financial goals. Work with mortgage and insurance teams to gain surface level knowledge of their products to refer members to these areas when needed. Take consumer applications as needed. Must comply with all company policies and procedures, applicable laws and regulations including but not limited to OFAC, BSA, the Patriot Act, TILA.
• Participate in financial education workshops, community events, and webinars, to increase personal knowledge and better assist members and the communities in which the CU serves. Work with Marketing and BD to volunteer at ISD events and/ or college events around financial education.
• All other duties as assigned.

EXPERIENCE:

Three years to five years of similar or related experience, including preparatory experience.

EDUCATION/CERTIFICATIONS/LICENSES:

• A college degree
• CUNA’s Financial Counseling Certification (FiCep) will be required.

INTERPERSONAL SKILLS:

• Must have strong interpersonal and communication skills with a genuine desire to help people achieve financial health and wellness.
• Must be able to communicate sensitive information with a non-judgmental approach and must maintain the utmost respect and confidentiality.
• Will need to be able to work independently, and be initiative-taking, goal oriented.
• Must have strong understanding of credit risk, consumer lending experience.

Physical Requirements

Performs primarily sedentary work with limited physical exertion and occasional lifting of up to 25 lbs. Must be capable of climbing/descending stairs in emergency. Must be able to operate routine office equipment including telephone, copier, facsimile, and calculator. Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours whenever required or requested by management. Must be capable of regular, reliable and timely attendance.

Working Conditions

Must be able to routinely perform work indoors in climate-controlled shared work environment with moderate noise.

Mental and/or Emotional Requirements

Must be able to perform job functions independently or with limited supervision and work effectively either on own or as part of a team. Must be able to read and carry out various written instructions and follow oral instructions. Must be able to complete basic mathematical calculations, spell accurately, and understand computer basics. Must be able to speak clearly and deliver information in a logical and understandable sequence. Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public. Must be able to perform responsibilities with composure under the stress of deadlines / requirements for extreme accuracy and quality and/or fast pace. Must be able to effectively handle multiple, simultaneous, and changing priorities. Must be capable of exercising highest level of discretion on both internal and external confidential matters.

Smart Financial Credit Union offers a competitive salary and excellent top-tier benefits. In addition, Smart Financial Credit Union has a tuition reimbursement program; full-time employees can receive up to $4,000 per year in tuition reimbursement.

Smart Financial Credit Union was ranked as Houston's Best Places to Work! Five consecutive years in a row!
Source: Houston Business Journal, 2011, 2012, 2013, 2014, and 2015.

Smart Financial Credit Union was ranked USA Top Workplaces (National Award)!
Source: Houston Chronicle - 2021

Smart Financial Credit Union was ranked Top Workplaces (Regional Award)! Six consecutive years in a row!
Source: Houston Chronicle - 2016, 2017, 2019, 2020, 2021, 2022, 2023, and 2024

Smart Financial Credit Union was also ranked as Best Companies to Work for in Texas! Four consecutive years in a row!
Source: Texas Association of Business (TAB) and Texas Monthly Magazine – 2014, 2015, 2016, and 2017

*** Applicants must submit a resume in order to be considered for the position.

Smart Financial does not discriminate on the basis of race, sex, color, religion, age, national origin, marital status, disability, veteran status, genetic information, sexual orientation, gender identity or any other reason prohibited by law in provision of employment opportunities and benefits.

Smart Financial Credit Union (SFCU) commits to fostering a diverse, equitable, and inclusive workforce and member base where a sense of belonging is evident. Our core values and purpose compel us to invest in our culture, with the objective that all who interact within and with the credit union can be appreciated for their unique individuality and thrive in the environment, with respect for each other and our greater community.

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