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 meet their financial needs. The position opens and maintains consumer deposit accounts, takes consumer lending applications, reviews credit reports, prepares and closes loans, discusses IRAs and HSAs, and provides notarial services. PFRs also move fluidly between their own duties and Member Service Associate (MSA) and Senior MSA tasks, while supporting branch operations and helping deepen member relationships through referrals and follow-up outreach. The role provides service to members and non-members, assists with digital banking and complex fraud disputes, and handles cash, monetary instruments, branch equipment, ATMs, and operational controls. It also supports training and mentoring, branch certifications and audits, and compliance with credit union policies and applicable regulatory requirements. The position is based at the Walla Walla Tietan branch in Walla Walla, Washington, and is full-time and hourly.
Requirements
- High school degree or equivalent required.
- Sales or relationship-building experience required.
- Notary Public.
- 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.
- Attentiveness to detail, timeliness, and quality of work, and discretion and sensitivity when assisting with member transactions.
- Demonstrate and support credit union values and service standards, personal integrity, and ethics.
- Proficiency with varying levels of technology.
- Maintain confidentiality and follow company policies, procedures, and regulatory requirements.
- Report to work on time and maintain regular attendance.
- Ability to 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 problems promptly, follow up as appropriate, and escalate complex or sensitive issues.
- Maintain current knowledge of credit union products, services, policies, and procedures, and converse with members about financial literacy and available services.
- Offer appropriate products and services, refer members to other team members, and make outbound calls to establish, grow, and nurture member relationships.
- Help non-members establish credit union 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 work toward 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.
- Monitor cash activity and compliance with established cash limits; place cash and supply orders, balance vault cash, maintain ATMs, and assist with branch equipment issues.
- 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 and overages, and OFAC reports.
- Perform member account transactions and 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.
- Attend and engage in community events on behalf of the credit union.
- Maintain confidentiality, control risk, and manage operations according to company policies, procedures, and regulatory requirements.
- Complete assigned training, support a team environment, and maintain reliable attendance and timely, quality work.
Benefits
- Competitive pay.
- Medical, dental, vision, and life insurance.
- Accrual of 20 days of paid time off per year and 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.
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What This Job Offers
Job Type
Full-time
Career Level
Entry Level
Education Level
High school or GED
