Digital Personal Financial Associate I

Highmark Credit Union; Rapid City (SD); Hybrid; USD 42,000 - 52,000; Full time

Benefits offered by this job

Competitive compensation

Benefits package

Hybrid schedule

Job summary

Highmark Credit Union is seeking a Digital Personal Financial Associate I to serve as the primary contact with members through digital and remote channels. You will handle inquiries, assist with transactions, educate members on digital services, and identify lending opportunities, processing consumer loans per policy.

Join a team focused on education, welcoming interactions, and solution-driven service as we help members access online and mobile banking tools and secure financial solutions.

Qualifications

• Associate’s degree in business or finance (or equivalent experience) and 6 months in financial services.
• Knowledge of Credit Union services, products, and regulatory requirements.
• Demonstrated analytical and problem-solving skills.
• Must pass required background check.

Responsibilities

• Serve as primary contact for members through digital and remote channels.
• Assist members with account-related questions and transactions.
• Educate members on online and mobile banking and digital tools.
• Identify lending opportunities and process consumer loans per policy.

Skills

Customer service

Communication

Attention to detail

Problem solving

Education

Associate’s degree in business or finance

Job description

DIGITAL PFA I

JOB DESCRIPTION

The Digital Personal Financial Associate I serves as a primary point of contact between Highmark Credit Union and its members through digital and remote channels. The associate provides exceptional member service by handling account inquiries, assisting with transactions, educating members on digital services, identifying lending opportunities, and processing consumer loans in accordance with lending policies.

Our Mission is “To educate and inspire our Highmark family so that all can achieve success.” The Digital Personal Financial Associate I plays a key role in bringing this mission to life by ensuring every interaction is welcoming, educational, and solution driven.

ESSENTIAL FUNCTIONS

Member Service & Communication

• Handle inbound and outbound calls, live chats, and secure messages with professionalism and efficiency.
• Research existing memberships for potential refinance or cross-sell opportunities.
• Assist members with all account-related questions, issues, and transactions.
• Provide accurate information on Highmark products and services, ensuring members understand available benefits.
• Educate members on online and mobile banking services, payment tools, and troubleshooting digital access issues.

Lending & Financial Solutions

• Analyze and process consumer loan applications in compliance with Credit Union policy.
• Refer mortgage, business, and specialized loan requests to appropriate departments.
• Identify cross-selling and lending opportunities to meet established sales goals.
• Maintain and manage delinquent loan queues as directed by the Collections Department; assist members in resolving early-stage repayment issues.

Account Management

• Open, process, and maintain all types of new and existing member accounts.
• Process requests such as share transfers, loan payments, withdrawals, line of credit advances, and check orders.
• Prepare loan documentation, adverse action letters, and maintain lending department files.
• Support lobby operations during periods of high member volume.

Operational Excellence

• Adhere to established call center schedules and performance standards.
• Suggest improvements to enhance efficiency, productivity, and income generation.
• Actively seek ways to reduce losses and use Credit Union resources responsibly.
• Support other duties as assigned to advance Highmark’s mission, vision, and values.

PROFESSIONAL BEHAVIOR

• Deliver on service commitments to both members and colleagues.
• Demonstrate teamwork, professionalism, and respect in all interactions.
• Value diversity and inclusivity, treating everyone with dignity and fairness.
• Be proactive, self-directed, and solution-oriented in serving members and supporting the team.
• Uphold a professional image and presence that reflects the values of Highmark Credit Union

MINIMUM QUALIFICATIONS

• Associate’s degree in business or finance (or equivalent experience) and 6 months of experience performing essential functions as they relate to the financial services industry
• Knowledge of standard business practices
• Knowledge of Credit Union services and products including the legal and regulatory requirements
• Demonstrated analytical and problem-solving skills
• Must pass required background check

CORE COMPETENCIES

• Member Service & Relationship Building
• Financial Services Knowledge
• Consumer Lending & Credit Analysis
• Account & Transaction Processing
• Regulatory & Compliance Knowledge
• Risk Management & Fraud Prevention
• Sales & Business Development
• Cash Handling & Accuracy
• Problem Solving & Decision-Making
• Communication & Interpersonal Skills
• Confidentiality & Data Security
• Attention to Detail
• Teamwork & Collaboration
• Technology & Digital Banking
• Community Engagement
• Ethical & Professional Conduct

PHYSICAL REQUIREMENTS

• Ability to sit or stand for extended periods
• Frequent use of hands for computer and office equipment
• Occasional lifting of up to 25 pounds

WORK ENVIRONMENT

• Team-focused
• Professional, member-focused credit union environment
• Collaborative environment
• High level of professionalism, confidentiality, accuracy, and attention to detail
• Fast paced, with employees managing multiple priorities while providing timely and courteous service
• Community Engagement

SCHEDULE & TRAVEL

• Full-time hybrid position
• Two days in office
• Occasional travel is required

WHY JOIN HIGHMARK CREDIT UNION?

• Opportunity to make a meaningful impact in members’ financial lives
• Supportive, team-oriented culture
• Professional development and growth opportunities
• Competitive compensation and benefits package