Universal Associate

Georgia United Credit Union•Cumming, GA

About The Position

The Universal Associate provides member service and supports branch operations at Georgia United Credit Union. The role welcomes members, explains credit union services, opens and closes accounts, researches accounts, resolves account discrepancies, assists with technology-related needs, and recommends appropriate products and services. It also includes counseling members on money management and financial matters and working toward credit union, branch, and individual goals. The associate interviews loan applicants, gathers documents, evaluates applications and credit criteria, makes loan recommendations, communicates decisions, and coordinates loan closings. The role also services existing loans, processes branch transactions and cash, assists members with ATM+ machines, and supports branch security, audits, reviews, and reporting. The associate identifies and escalates potential fraud while protecting member privacy, and performs other duties or special projects as assigned. Starting salary is $20.00 per hour, depending on experience and qualifications. Georgia United states that individual compensation packages may vary based on factors including skill set, experience, qualifications, internal alignment, and other job-related factors. Reasonable accommodations may be made in accordance with applicable law. Georgia United is an equal opportunity employer and participates in E-Verify.

Responsibilities

Welcome and direct members visiting the branch, providing a positive member experience.
Present and explain credit union services and products; open and close accounts and conduct account research.
Resolve account discrepancies through file maintenance and account changes, and assist with escalation of complex transactions.
Explain credit union technology services and help members troubleshoot technology-related transactions and issues.
Follow professional standards, credit union guidelines, and policies.
Identify, recommend, and promote products and services; counsel members on money management and financial matters.
Use consultative conversations to assess member needs and recommend appropriate products and services in support of credit union, branch, and individual goals.
Build positive and productive working relationships aligned with the organization's purpose, mission, and core values.
Interview loan applicants and gather preliminary documents to originate, process, and close consumer loans.
Evaluate loan applications and credit criteria; calculate debt ratios, verify employment and income, determine collateral value, recommend loans for approval, notify applicants of decisions, and request additional information when needed.
Coordinate and process loan closings, ensuring documentation, processing, and disbursement meet loan quality standards.
Service loans by processing payoffs, refinances, workout arrangements, address changes, payment extensions, collateral releases, and payment due date changes.
Process branch transactions that cannot be completed through automated channels and maintain balancing records to established standards.
Assist members with ATM+ machines as required.
Perform branch operational duties, including following security procedures, assisting with monthly audits and internal review checklists, and compiling reports.
Help control branch cash, including balancing cash drawers, the vault, cash recyclers, cash orders, and ATM+ machines.
Identify and report or escalate potentially fraudulent activity; keep the manager informed of activities and significant concerns while protecting member information and privacy.
Complete special projects and other assigned duties.