Personal Financial Representative (Personal Banker)
About The Position
The Personal Financial Representative (PFR) is an entry-level branch position that assists credit union members with establishing relationships, opening and maintaining consumer deposit accounts, applying for consumer credit, reviewing credit reports, preparing loan documentation, closing loans, and notarial services. The PFR also transitions between these responsibilities and Member Service Associate (MSA) and Senior MSA tasks to support the branch. The role focuses on developing member relationships through referrals, follow-up, and outbound communication, while providing accurate and timely service. It also involves cash handling and monitoring, account transactions, digital banking assistance, and support for branch operations and compliance. The representative is expected to protect member confidentiality, manage risk, follow applicable policies and regulations, and represent the credit union at community events.
Requirements
- High school degree or equivalent.
- Sales or relationship-building experience.
- 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 strengthen relationships.
- Professional interpersonal skills to relate effectively to members, the public, colleagues, and leadership.
- Respect for and support of diversity in the workplace and membership.
- Attention to detail, timeliness, and quality of work, with discretion and sensitivity when handling member transactions.
- Demonstrate and support credit union values and service standards.
- Maintain a high level of personal integrity and ethics.
- Proficiency with varying levels of technology.
- Report to work on time and maintain regular attendance.
- Pass a pre-employment credit and background check.
Nice To Haves
- Cash handling experience.
- At least one year of customer service experience.
- Notary Public.
Responsibilities
- Provide exceptional service, take ownership of member concerns, resolve issues promptly, follow up as appropriate, and escalate complex or sensitive concerns.
- Maintain current knowledge of credit union products, services, policies, and procedures, and discuss financial products and services with members.
- Recommend appropriate products and services, make referrals, and contact members to establish and strengthen relationships.
- Assist non-members with establishing membership.
- 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 and provide notarial services in accordance with state regulations and credit union policies.
- Open consumer deposit accounts and perform consumer account maintenance.
- Process member account transactions and service requests accurately and in a timely manner.
- Assist members with digital banking enrollment, navigation, resets, and maintenance, and help with complex or sensitive fraud disputes.
- Monitor cash activity and ensure established cash limits and handling procedures are followed; balance the cash drawer daily.
- Place cash and supply orders, balance vault cash, maintain ATMs, and ensure branch equipment is working properly, escalating issues when needed.
- Review and process overrides and approvals within authority while minimizing risk.
- Issue, record, and file monetary instruments and reports in accordance with the Bank Secrecy Act.
- Mentor and help train new Member Service Associates.
- Assist leadership with branch certifications, cash drawer audits, cash drawer overages, and OFAC reports.
- Transition fluidly between PFR, MSA, and Senior MSA tasks as needed.
- Complete assigned training, support a team environment, maintain regular attendance, and attend and engage in community events on behalf of the credit union.
- Maintain confidentiality and manage operations in accordance with company policies, procedures, and regulatory requirements.
Benefits
- Competitive pay.
- Medical, dental, vision, and life insurance.
- Accrual of 20 days of paid time off per year.
- 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
