Financial Service Representative 1, 2, or 3 (Personal Banker) - Sprague Branch

Numerica Credit Union•Spokane Valley, WA

13h•$22 - $43•Onsite

About The Position

Numerica Credit Union is hiring one Financial Service Representative at level 1, 2, or 3, depending on experience, for the Sprague Branch. The role is dedicated to enhancing members’ lives and building community through exceptional service, financial guidance, relationship development, and sales. The representative helps members with accounts, transactions, consumer and HELOC loans, and other credit union products and services. Duties and scope vary by level, from entry-level service and learning sales fundamentals under direct supervision to independently managing complex consumer and business relationships, lending pipelines, and advanced deposit accounts. The level 3 role also provides peer mentorship and leadership support when branch management is absent and may serve in a specialty role such as Small Business Specialist or Digital Ambassador. All levels contribute to a warm, professional, member-first experience, maintain working knowledge of policies and regulatory requirements, and apply Numerica’s CARES principles: Connect, Ask, Resolve, Elevate, and Strengthen. The position may involve other duties or assistance at other branches or departments as business needs require. The job description states that it does not imply an employment contract and does not include every possible duty.

Requirements

High school diploma or equivalent (GED).
FSR 1: Six months to two years of experience in a customer service, retail, or financial environment.
FSR 2: Two to four years of experience in retail banking, a credit union, or financial services.
FSR 2: Proven success meeting or exceeding sales goals in a service-based environment and strong understanding of consumer lending, business account relationships, and financial analysis.
FSR 3: Five or more years of progressive experience in financial services, retail banking, or credit union operations.
FSR 3: Success managing a book of business and meeting or exceeding relationship and sales goals; proven experience in consumer, HELOC, and business lending.
NMLS certification is required, or must be obtained within the designated timeframe.
Notary Public license is required, or must be obtained within the designated timeframe.
Strong communication, interpersonal, relationship-management, and problem-solving skills appropriate to the role level.
Ability to read and understand instructions, correspondence, and memos, write correspondence, and present information effectively in one-on-one situations.
Courtesy, tact, diplomacy, professionalism, and discretion in interactions with members and colleagues.
Ability to manage multiple priorities in a fast-paced environment while maintaining accuracy and attention to detail.
Proficiency with Microsoft Word, Excel, and Outlook and credit union systems such as Symitar; level 3 requires expertise in Microsoft Office Suite and core systems such as Symitar.
Ability to lift up to 25 pounds and sit or stand for extended periods.

Nice To Haves

FSR 1: Prior retail banking or credit union experience; familiarity with account opening and consumer loan applications; ability to meet or exceed service or sales performance goals; basic understanding of lending, deposit products, and IRAs.
FSR 2: Advanced knowledge of business banking products, deposit structures, and small business lending; experience managing a personal client portfolio or book of business; sales, leadership, or relationship-management training; exposure to financial planning, credit analysis, or business development strategies.
FSR 3: Advanced training in relationship management, business lending, or leadership development; familiarity with estate, trust, and fiduciary account structures; experience leading projects, initiatives, or peer mentorship programs; a bachelor’s degree in Business, Finance, or a related field.

Responsibilities

Provide professional, courteous, and respectful service and help members feel valued and connected to the credit union.
Build member relationships, understand financial goals, and recommend appropriate credit union products and services.
Open, verify, maintain, and service personal and business accounts, including advanced account types at level 3 such as estate, trust, fiduciary, organizational, and business accounts.
Process accurate deposits, withdrawals, payments, transfers, account maintenance, product conversions, and ownership changes as appropriate to the role level.
Take and process consumer, HELOC, and business loan applications; analyze lending opportunities; and support or lead lending activities through closing, funding, and follow-up, depending on level.
Provide financial education and guidance on products, lending, credit, debt consolidation, investments, and long-term financial goals, within the scope of the role.
Meet or work toward individual and branch goals for service, sales, deposits, lending, portfolio growth, and member satisfaction.
Manage and grow a book of business through proactive outreach, follow-up, referrals, cross-selling, and relationship management at levels 2 and 3.
Support business members with financial needs, including business accounts, business lending, merchant services, cash management, and digital tools, as appropriate to the role level.
Resolve member questions and escalated or complex issues, referring members to appropriate staff or departments when needed.
Follow credit union policies, regulatory standards, compliance requirements, documentation practices, and risk controls.
Collaborate with teams and departments across Numerica to provide consistent service and support member and organizational goals.
At level 2, mentor and support less experienced team members; at level 3, coach and train FSR 1 and 2 staff, support onboarding, and reinforce service, sales, and operational standards.
At level 3, act as a team lead when management is absent, support branch operations and decision-making, and participate in team huddles and community or business networking activities.
Use and support technology and digital delivery channels to serve members and assist team members.
Perform other member-service duties as needed, including assisting other branches or departments.