Personal Banker (Universal Service Representative): San Marcos

Frontwave Credit Union•San Marcos, CA

About The Position

The Universal Service Representative performs a wide variety of teller and USR I functions, including processing deposits, withdrawals, loan payments, new accounts, and loans. The role balances daily transactions and verifies cash totals, while helping members identify financial products and services that meet their needs. It also supports member use of digital banking and other alternate delivery channels, contributes to branch operations, and provides follow-up service to members.

Requirements

High school diploma or GED.
One year of experience at a financial institution in a teller or similar role, emphasizing accurate cash handling.

Responsibilities

Process routine transactions, including deposits, withdrawals, transfers, and cashier’s checks.
Open new memberships and ownerships, and add or remove joint owners on existing memberships.
Interview prospective and existing members to identify products and services suited to their financial needs.
Cross-sell additional products and services to meet member needs.
Originate and fund unsecured credit card and personal loans or lines, and communicate loan decisions.
Follow up with new and existing members to check satisfaction and answer questions.
Answer IRA questions and process IRA contributions and distributions.
Explain and demonstrate alternate delivery channels, including the website, online banking, eStatements, mobile deposits, bill pay, P2P, remote transfers, and Express Line.
Support new Universal Service Representatives.
Participate in the end-of-day branch balancing process.
Balance, fill, and audit ATMs, CDMs, and recyclers as needed.
Maintain the cash vault.
Instant-issue debit cards.
Prioritize workflow and adapt flexibly.
Perform duties in compliance with applicable laws, regulations, and Credit Union policies and procedures.