Business Development Financial Advisor

J  o  b    D  e  s  c  r  i  p  t  i  o  n

THE DETAILS

Job Code:

12120

Grade:

NG

Status:

Exempt

POSITION AND PURPOSE

The Business Development Financial Advisor is a separate and distinct enterprise-focused advisory and business-development role designed to provide dedicated enterprise advisory capacity while combining advisory service delivery, business development, and market expansion responsibilities. This position is differentiated from the Centralized Financial Advisor role by its dual responsibility to increase statewide member access to investment services through enterprise-generated demand while establishing and growing Golden 1's investment-services presence in the assigned branch and broader Southern California market. This role is expected to build a sustainable production base and book of business from inception without an inherited book of business, established client relationships, mature investment referral ecosystem, or existing Golden 1 investment-services footprint in the market, while serving as dedicated advisory capacity for members across California through enterprise-generated advisory opportunities and statewide member demand.
Location: Assigned Branch
Primary Service Model: Centralized Phone, Zoom, Approved Virtual Channels, and Enterprise Advisory Opportunities The advisor will receive and develop member opportunities from the Member Service Contact Center (MSCC), the dedicated Investment Service Line, Golden 1 appointment channels, digital appointment requests, outbound prospecting opportunities, employee referrals, statewide member demand, and other enterprise referral sources, along with walk-in traffic. Unlike a traditional branch-based advisor supported by an established branch book or mature referral network, and unlike a centralized advisor focused primarily on routed service activity, this position must create, cultivate, and convert new relationships through enterprise channels, proactive prospecting, market-development activities, community engagement, and local business-development efforts while building production capacity in a new market.
In this role, the advisor identifies financial needs, conducts planning conversations, provides investment guidance, supports relationship development, and delivers ongoing service through a centralized virtual model. When a member requests an in-person consultation outside the Los Angeles market, the advisor coordinates a warm handoff and appointment with the Golden 1 advisor best positioned geographically to serve the member. Branch-generated opportunities from the assigned branch may also be supported, including walk-in consultations, employee referrals, locally generated advisor appointments, and other branch-originated opportunities. These activities are secondary to the centralized enterprise service model and are intended to complement, not define, the role.
The primary purpose of the position is to increase statewide member access to investment services by expanding enterprise-wide advisory capacity, improving advisory access for members throughout California, supporting consistent member engagement across Golden 1 service channels, and building Golden 1's advisory presence in the Los Angeles and Southern California market. The role remains distinct from both a traditional branch-based financial advisor position and the Centralized Financial Advisor role through its responsibility for new market development, book-building from inception, localized business-development execution, prospecting, relationship building, and community engagement. These responsibilities require the advisor to combine enterprise advisory service delivery, new market development, prospecting, relationship building, community engagement, and business-development activities to establish and grow Golden 1's investment-services presence throughout Southern California.

WHO WE ARE

Golden 1 Credit Union is among the top credit unions in the country. As a member-owned, not-for-profit cooperative, Golden 1 is guided by the credit union philosophy of “people helping people.” We are committed to empowering our members and uplifting our communities as we create a more equitable and financially inclusive California. We welcome all who embrace our Core Values.

WHO YOU ARE

You are an experienced, fully licensed financial advisor who can build trust and deliver personalized investment guidance through phone, Zoom, and in-person conversations.

You thrive in an enterprise-focused advisory and business-development environment and are comfortable converting opportunities from MSCC, the dedicated Investment Service Line, Golden 1 appointment channels, digital appointment requests, outbound prospecting, employee referrals, statewide member demand, and walk-in traffic into meaningful member relationships while building a book of business from inception.

You take ownership of the member experience, maintain strong compliance discipline, and ensure members are connected with the right advisor and service model to meet their needs.

THE WORK

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HOW YOU WILL SPEND YOUR TIME
This is primarily an enterprise-focused advisory and business-development role supported by enterprise-generated opportunities, virtual member engagement, statewide member demand, assigned prospecting activity, market-development efforts, and limited branch-originated opportunities based on business needs, advisor capacity, and market maturity. The position operates as a new-market, book-building role and is not intended to rely on an inherited book of clients, a mature branch referral ecosystem, or an established local investment-services presence.

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Member Service Contact Center (MSCC) Referrals: Receive investment-related calls and referrals routed by MSCC, assess member needs, provide direct service when appropriate, or coordinate the appropriate advisor appointment.

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Investment Service Line Inbound Opportunities: Receive inbound member calls, identify investment needs, provide direct service when appropriate, and facilitate the appropriate next step.

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Golden 1 Appointment Channels and Digital Appointments: Conduct scheduled phone and Zoom consultations initiated through Golden 1 appointment channels and digital appointment requests.

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Branch Walk-In Traffic, Employee Referrals, and Branch-Generated Opportunities: Support walk-in consultations, employee referrals, locally generated advisor appointments, and other branch-originated opportunities while building awareness of Investment Services within the assigned branch.

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Serve as a centralized advisor by conducting scheduled investment consultations with Golden 1 members throughout California through phone, Zoom, and approved virtual channels.

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Receive and respond to inbound calls from the dedicated Investment Service Line.

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Receive investment-related calls and referrals routed through the Member Service Contact Center (MSCC).

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Manage inbound call queues and routed opportunities in a timely and organized manner, including monitoring assigned queues, prioritizing member needs, responding within established service expectations, documenting outcomes, and coordinating appropriate follow-up or advisor handoffs.

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Conduct incoming appointments scheduled through Golden 1 appointment channels and digital appointment requests.

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Meet with members to identify financial goals, needs, and priorities and develop appropriate financial plans and investment strategies.
Recommend, implement, and monitor non-deposit investment and insurance products and services in accordance with broker-dealer, regulatory, and Credit Union requirements.

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Conduct periodic portfolio reviews, provide ongoing relationship management, and support member follow-up through phone, Zoom, or in-person meetings as appropriate.

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Proactively contact assigned prospect lists to identify member needs, develop new relationships, and create qualified investment opportunities.

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Build a book of business from inception by developing new relationships through enterprise-generated opportunities, assigned prospecting activity, statewide member demand, local market development, community engagement, and approved business-development efforts.

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Build awareness of Golden 1 Investment Services in the assigned branch’s market by developing local visibility, strengthening branch, community, and business-development relationships, and supporting approved outreach efforts.

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Cultivate new member relationships in Southern California by identifying financial needs, introducing investment-services capabilities, and creating appropriate paths for ongoing advisory engagement.

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Participate in approved financial education, member engagement, community outreach, prospecting, and business-development activities that support member awareness, relationship growth, market expansion, and the development of new advisory opportunities.

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Help establish a sustainable Golden 1 investment-services presence in Southern California by developing referral sources, supporting local market relationships, cultivating community and business-development connections, and contributing to long-term business-development plans.

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Develop relationship pipelines in a new market environment without an inherited client base, mature branch-based referral network, established investment-services presence, or existing production base.

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Responsible for achieving activity, service, compliance, relationship growth, prospecting, market-development, community-engagement, and business-development expectations established by Investment Services leadership.

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Coordinate warm handoffs when a member prefers an in-person appointment and another Golden 1 advisor is better positioned geographically to serve the member.

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Respond to and service walk-in opportunities originating within the assigned branch and support branch employee referrals and branch-generated advisor appointments.

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Maintain accurate member-client information, CRM notes, appointment outcomes, referral disposition, follow-up tasks, pipeline activity, and required records in a compliant and timely manner.

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Complete required activity reports, business plans, business-plan reviews, compliance documentation, and other assigned reporting on time.

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Maintain current knowledge of investment and insurance products offered through the broker-dealer and applicable state and federal requirements, including Bank Secrecy Act and anti-money laundering obligations.

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Answer general questions regarding investment and Credit Union products and services and provide appropriate cross-referrals to other Golden 1 channels.

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Collaborate with Investment Services, Investment Administration, MSCC, branch teams, Member Education, Compliance, the broker-dealer, and other internal partners to improve referral quality, appointment routing, and the member experience.

QUALIFICATIONS

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Bachelor’s Degree desired or equivalent experience in personal investments, financial planning, wealth management, or related financial-services fields required

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3+ years years of experience in the sales and delivery of personal investment products and services required

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Experience conducting phone-based and virtual financial consultations is required. Experience building new client/member relationships, managing inbound enterprise-generated opportunities, developing prospect pipelines, supporting business-development activity, and contributing to market development in a new or underdeveloped market is preferred. Prior experience in a bank, credit union, broker-dealer, wealth-management firm, or financial-services organization is preferred.

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: Strong knowledge of financial planning, investment products, insurance products, relationship management, prospecting, local market development, community engagement, business development, and applicable securities and credit-union compliance requirements. Excellent verbal communication skills with the ability to build relationships and conduct effective phone and virtual consultations. Demonstrated ability to manage inbound opportunities, appointment pipelines, prospecting activity, CRM documentation, follow-up processes, market-development activity, and business-development activity in an enterprise-focused, new-market advisory environment.

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Active FINRA Series 7 and 66 registrations required

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California Life and Disability Insurance licenses required

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Long-Term Care license required

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Financial planning or wealth management designation desired or obtained within two years of hire.

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Takes Initiative - Owns tasks and responsibilities 

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Delivers Results with Agility - Meets deadlines and adapts

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Collaborates Across Teams - Works well within the team Solves Problems Proactively

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Handles day-to-day challenges Builds Trust and Credibility - Demonstrates reliability 

ORGANIZATIONAL CONTACTS AND RELATIONSHIPS

INTERNAL:

Investment Services leadership and team members; financial advisors; Investment Administration; Member Service Contact Center (MSCC); Branch leadership and employees; Member Education; Compliance; enterprise referral-channel partners; and other Credit Union business partners.

EXTERNAL:

Members, prospective members, broker-dealer personnel, securities dealers, insurance carriers, vendors, community partners, financial education participants, local business-development contacts, and other approved referral sources.

WORKING CONDITIONS

Work time includes weekend and after-hours time, based on organizational needs. This position works in-office where working conditions, lighting, temperature, audio, and workspace are all sufficient.

PHYSICAL REQUIREMENTS

Work requires the ability to constantly operate a computer and the ability to read, type, and communicate. Work may require the ability to move work-related supplies weighing up to 10-15 pounds.

DISCLAIMER/INTENT AND FUNCTION OF JOB DESCRIPTIONS

The above information on this description has been designed to indicate the general nature and level of work performed by team members within this classification. Because the nature of positions and job functions can change over time, this job description is not designed to contain or be interpreted as a comprehensive inventory of all essential functions, duties, responsibilities and qualifications requirements of team members assigned to this job. Job duties may be changed or modified in the Credit Union’s discretion. The Credit Union will keep team members updated on key functions, duties, and requirements of their position by communications from the Credit Union and by updating the job description from time to time. Any team member with questions about the nature of their job duties is encouraged to consult with their supervisor.

DECLARATION/ACKNOWLEDGEMENT

This job description outlines the essential functions and physical/mental requirements necessary to perform this role. Reasonable accommodations may be made to enable individuals with disabilities to perform these essential functions.