Personal Financial Representative (Personal Banker)

GESA CREDIT UNION•Grayland, WA

2d•$20 - $28

About The Position

The Personal Financial Representative (PFR) is an entry-level position serving credit union members and supporting branch operations. The role establishes member relationships; opens and maintains consumer deposit accounts; takes consumer credit applications; reviews credit reports; obtains approvals; processes loan documentation; closes loans; and provides notarial services. The PFR can also transition between PFR duties and Member Service Associate (MSA) or Senior MSA tasks. The position focuses on exceptional member service, resolving concerns, explaining products and services, and deepening relationships through referrals and follow-up communications. It also includes cash handling and branch support, digital banking assistance, processing domestic and international requests, and helping with fraud disputes, audits, certifications, and training. The role requires discretion, sound judgment, regulatory and policy compliance, and attention to risk.

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 for working effectively with members, the public, colleagues, and leadership.
Respect and support diversity in the workplace and among the credit union membership.
Complete assigned training programs accurately and on time.
Perform work to an acceptable standard, 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.
Be a Notary Public.
Maintain confidentiality, control risk, and manage operations in accordance with 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.
Some travel may be required.
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 member service, take ownership of member concerns, resolve issues promptly, follow up as appropriate, and escalate complex or sensitive concerns.
Understand and explain credit union financial products, services, policies, and procedures.
Offer relevant 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.
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.
Act as a Notary Public and perform notarial services in accordance with state regulations and credit union policies.
Monitor cash activity and ensure branch and team members follow established cash limits.
Place cash and supply orders, balance vault cash, and maintain ATMs.
Review and process overrides and approvals within authorized limits 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 service requests on member accounts 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 non-repairable issues to leadership.
Attend and engage in community events on behalf of the credit union.
Complete assigned training, support a team environment, maintain confidentiality, and follow company policies, procedures, and regulatory requirements.