Offer Specialist, Margin Loans

Job Description:

The Product Specialist - Margin & Fully Paid Lending is responsible for delivering high quality, client centric support for Vanguard's margin lending and fully paid lending offerings. This role serves as a subject matter expert for these products, partnering closely with clients, Relationship Managers, and internal stakeholders to ensure accurate education, responsible usage, and a consistent client experience aligned with Vanguard's principles.

The Product Specialist manages ongoing client relationships, supports complex servicing needs, and acts as a trusted resource for both clients and internal partners.

Interested? Please join the hiring manager, Keenan Sochor on Friday April 17th at 1:30pm - EST for an overview of the position. The Teams meeting information is below.

Microsoft Teams meeting

Join: https://teams.microsoft.com/meet/212800190365927?p=cxDT76TaXbzrMAGrx6

Meeting ID: 212 800 190 365 927

Passcode: wA7vN9iA

Duties and Responsibilities

Client Servicing & Relationship Management

• Serve as a dedicated point of contact for clients utilizing margin accounts and participating in Fully Paid Lending programs.
• Manage a defined "pseudo book of business," maintaining continuity and accountability for ongoing client needs.
• Provide clients with direct contact information and maintain proactive, professional communication.
• Address client inquiries and service requests with accuracy, timeliness, and sound judgment.

• Develop and maintain deep expertise in margin lending and fully paid lending products, including mechanics, eligibility considerations, risks, and disclosures.
• Clearly explain complex concepts in a factual, client-appropriate manner, ensuring clients understand product features and considerations.
• Manage margin loan distributions, house call threshold calculations, and interest rate cost discussions in real time.
• Support education-first conversations that align with Vanguard's guidance standards and compliance expectations.
• Act as a resource for Relationship Managers by reinforcing consistent and compliant product messaging.

• Work collaboratively with multiple Relationship Managers to support shared clients and coordinate service efforts.
• Partner with internal teams to resolve complex servicing scenarios and escalate issues as appropriate.
• Contribute to consistent and high-quality client experience across teams.

• Effectively prioritize and manage multiple client relationships, service requests, and time-sensitive matters.
• Balance proactive client engagement with reactive servicing needs.
• Maintain strong organizational discipline while operating with a high degree of autonomy.

• Actively upskill on evolving product features, regulatory considerations, and internal processes.
• Share knowledge with peers and partners to support broader team capability.
• Demonstrate a "student and teacher" mindset-continuously improving personal expertise while helping others do the same.
• Participates in special projects and performs other duties as assigned.

• Undergraduate degree or equivalent combination of training and experience.
• Minimum of three years' experience with financial services; brokerage operations experience preferred.
• FINRA Series 7 and 63 licenses or ability to obtain within 3 months of hire.
• Demonstrated ability to understand and communicate technical issues.
• Strong organizational and time management skills. Ability to prioritize work to accommodate special situations and time sensitive matters.
• Strong decision-making and attention to detail skills.
• Demonstrated knowledge of VBS Credit and Margin processes or willingness to learn.
• Customer service orientation with excellent interpersonal and communication (oral and written) skills; team player with positive attitude.
• Strong relationship building skills.
• Proficiency with Excel, Word, and other Microsoft applications.