Personal Financial Representative (Personal Banker)

GESA CREDIT UNION•Vancouver, WA

5d•$20 - $32•Onsite

About The Position

The Personal Financial Representative (PFR) is an entry-level branch role that supports members with financial services and helps build and deepen member relationships. The role establishes new memberships, opens and maintains consumer deposit accounts, takes and processes consumer loan applications, reviews credit reports, completes loan documentation, closes loans, and provides notarial services. PFRs also transition between PFR duties and Member Service Associate (MSA) or Senior MSA tasks to assist members and support branch operations. The position provides accurate, responsive service; discusses products and services; makes referrals and outbound member contacts; and assists with digital banking, fraud disputes, IRAs, HSAs, and domestic and international requests. It also supports cash and branch operations, including cash handling, balancing, ATM maintenance, monetary-instrument records, overrides within authority, audits, certifications, and training newer MSAs. The role requires sound judgment, discretion, confidentiality, attention to detail, and compliance with credit union policies and regulatory requirements.

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 work effectively with members, the public, colleagues, and leadership.
Respect for and support of diversity in the workplace and membership.
Ability to meet reasonable standards for attention to detail, timeliness, and quality of work.
Exercise discretion and sensitivity when assisting with member transactions.
Demonstrate and support credit union values and service standards.
Notary Public.
Maintain confidentiality, control risk, and manage operations in accordance with company policies, procedures, and regulatory requirements.
Demonstrate personal integrity and ethics.
Report to work on time and maintain regular attendance.
Proficiency with varying levels of technology.
Selected candidates must 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, take ownership of member concerns, resolve them promptly, follow up as appropriate, and escalate complex or sensitive concerns.
Maintain current knowledge of credit union products, services, policies, and procedures, and converse with members about financial literacy and available services.
Identify appropriate products and services, make referrals, and contact members by phone or other methods to establish and deepen relationships.
Assist non-members with establishing membership and open and maintain consumer deposit accounts.
Take consumer lending applications, review credit reports, obtain approvals, submit loan documentation, close loans, and explain next steps to members.
Discuss IRAs and HSAs with members and non-members and meet predetermined goals.
Process domestic and international requests and provide notarial services in accordance with state regulations and credit union policies.
Monitor cash activity and compliance with cash limits; place cash and supply orders, balance vault cash, maintain ATMs, and accurately balance a cash drawer each day.
Review and process overrides and approvals within assigned authority while minimizing risk.
Mentor and help train new Member Service Associates and assist leadership with branch certifications, cash drawer audits and overages, and OFAC reports.
Perform member account transactions and service requests accurately and promptly, and follow cash-handling procedures.
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, and assist with complex or sensitive fraud disputes.
Ensure branch equipment is functioning and escalate issues that cannot be repaired.
Attend and engage in community events on behalf of the credit union.
Complete assigned training, support the team, maintain confidentiality, control risk, and conduct operations in accordance with policies, procedures, and regulatory requirements.