Universal Associate

Default • Stockbridge, GA

3d

About The Position

The Universal Associate welcomes and assists credit union members in the branch, creates a positive service experience, explains products and services, and helps members with account needs and technology. The role also supports consumer loan origination, processing, closing, and servicing; handles transactions that cannot be completed through automated channels; and contributes to branch operational standards, cash controls, security, and fraud prevention. Associates are expected to build financial relationships through consultative conversations, promote appropriate products and services, and support credit union, branch, and individual goals while following established policies and maintaining member privacy.

Responsibilities

• Welcome and direct members visiting the branch and create 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 necessary account changes, and assist with escalation of complex transactions.
• Inform members about credit union technology services and help troubleshoot technology-related transactions and issues.
• Adhere to professional standards of conduct and credit union guidelines and policies.
• Identify, recommend, and promote products and services to build financial relationships aligned with the credit union’s business strategy.
• Counsel members on money management and financial matters, assess their needs through consultative conversations, and recommend appropriate products and services.
• Work toward credit union, branch, and individual goals and promote positive, productive working relationships.
• Interview applicants and gather preliminary documents to originate, process, and close consumer loans.
• Evaluate and verify loan applications and credit criteria; compute debt ratios; verify employment and income; determine collateral value; and recommend loans for approval.
• Notify applicants of loan decisions and request additional information when needed.
• Coordinate and process loan closings, ensuring loans are prepared, documented, processed, and disbursed according to loan quality standards.
• Assist with loan servicing, including 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 transaction balancing records that meet established standards.
• Assist members with ATM+ machines as required.
• Complete branch operational duties, follow security procedures, assist with monthly branch audits and internal review checklists, and compile reports as required.
• Help control branch cash by balancing cash drawers, the branch vault, cash recyclers, cash orders, and ATM+ machines as required.
• Identify and report or escalate potentially fraudulent activity, keep the manager informed of significant concerns, and protect member information and privacy.
• Complete special projects and other duties as assigned.

What This Job Offers

• Job Type: Full-time
• Education Level: No Education Listed