Personal Financial Representative (Personal Banker)
About The Position
The Personal Financial Representative (PFR) is an entry-level role that helps credit union members establish relationships and access financial services. The representative opens and maintains consumer deposit accounts, takes consumer loan applications, reviews credit reports, prepares and closes loans, and provides notarial services. The role also supports branch operations and can transition between PFR, Member Service Associate (MSA), and Senior MSA tasks. The PFR builds and deepens member relationships through referrals, follow-up, and outbound communications. The role provides responsive service, addresses member concerns, explains products and services, supports digital banking, and assists with sensitive or complex fraud disputes. It also includes cash handling and monitoring, branch equipment and ATM support, compliance-related tasks, mentoring and training, and participation in community events. The position is full-time and hourly at the Yakima North 40th branch in Yakima, Washington. The posted salary range is $20.00–$29.86 per hour. The employer notes that most new team members typically start between the minimum and midpoint of the range, depending on experience and qualifications. Candidates must pass a pre-employment credit and background check. Some travel may be required.
Requirements
- High school degree or equivalent required.
- Sales or relationship-building experience required.
- Professional written and verbal communication skills.
- Ability to make timely, sound decisions that minimize risk.
- Ability to ask open-ended and clarifying questions to understand member needs and deepen relationships.
- Professional interpersonal skills to relate effectively to members, the public, colleagues, and all levels of leadership.
- Respect for and support of diversity in the workplace and membership.
- Ability to meet a reasonable, acceptable standard of work, including attention to detail, timeliness, and quality.
- Exercise discretion and sensitivity when assisting with member transactions.
- Demonstrate and support credit union values and service standards.
- Maintain confidentiality, manage risk, and follow company policies, procedures, and regulatory requirements.
- Demonstrate personal integrity and ethics.
- Proficiency with varying levels of technology.
- Notary Public.
- Pass a pre-employment credit and background check.
Nice To Haves
- Cash-handling experience preferred.
- At least one year of customer service experience preferred.
Responsibilities
- Provide exceptional service to members and others served by the credit union.
- Take ownership of member concerns, resolve problems promptly, follow up as appropriate, and escalate complex or sensitive concerns.
- Maintain current knowledge of credit union products, services, policies, and procedures, and explain financial products and services to members.
- Offer appropriate products and services, make referrals, and contact members to establish, grow, and nurture relationships.
- Assist non-members with establishing membership.
- Open consumer deposit accounts and perform consumer account maintenance.
- Accurately take consumer lending applications, review credit reports, obtain approvals, submit loan documentation, close loans, and communicate next steps to members.
- Discuss IRAs and HSAs with members and non-members and meet predetermined goals.
- Process international and domestic requests.
- Serve as a Notary Public and perform notarial services in accordance with state regulations and credit union policies.
- Observe and monitor cash activity to ensure established branch and team cash limits are followed.
- Place cash and supply orders, balance vault cash, and maintain ATMs.
- Review and process overrides and approvals within assigned authority while minimizing risk.
- Mentor and help train new Member Service Associates.
- Assist leadership with branch certifications, cash drawer audits, cash drawer overages, and OFAC reports.
- Transition between PFR, MSA, and Senior MSA tasks as needed.
- Perform transactions and member account service requests accurately and promptly.
- Follow cash-handling procedures and balance the cash drawer at the end of each day.
- Issue, record, and file monetary instruments and reports in accordance with the Bank Secrecy Act.
- Help members enroll in, navigate, reset, and maintain Digital Banking.
- Assist members with complex and sensitive fraud disputes.
- Ensure branch equipment is functioning and escalate issues that cannot be repaired.
- Complete assigned training in a timely and accurate manner and support a team environment.
- Attend and participate in community events on behalf of the credit union.
- Maintain confidentiality, control risk, and manage operations in accordance with company policies, procedures, and regulatory requirements.
- Maintain regular attendance and report to work on time.
Benefits
- Medical, dental, vision, and life insurance.
- 20 days per year of accrued paid time off, plus 10 paid holidays.
- 401(k) match.
- Incentive program.
- Tuition assistance and student loan repayment.
- Commuter benefits.
- Paid time off to volunteer in the community.
- Product discounts.
- Engaging work environment.
- Rewards and recognition programs.
- Competitive pay.
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What This Job Offers
Job Type
Full-time
Career Level
Entry Level
Education Level
High school or GED
