Universal Associate

Georgia United Credit Union•Stockbridge, GA

About The Position

The Universal Associate welcomes and assists members visiting the branch, provides information about credit union products and services, and performs account, transaction, lending, and branch operations duties. The role supports a positive member experience, helps members with financial and technology needs, and promotes products and services aligned with the credit union’s business strategy and goals. The position also supports consumer loan origination, processing, closing, and servicing; handles branch transactions and cash balancing; follows security, audit, and operational standards; and identifies and escalates potentially fraudulent activity. Additional duties or changes to responsibilities may be assigned as business needs require.

Responsibilities

Welcome and direct members visiting the branch, creating a positive member experience.
Present and explain credit union services and products; open and close accounts and conduct account research.
Resolve member account discrepancies through file maintenance and account changes, and assist with escalation of complex transactions.
Inform members about credit union technology services and assist with troubleshooting technology-related transactions and issues.
Adhere to professional standards of conduct and 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 while supporting credit union, branch, and individual goals.
Build positive and productive working relationships in support of the organization’s purpose, mission, and core values.
Interview applicants and gather preliminary documents to originate, process, and close consumer loans.
Evaluate and verify loan applications and credit criteria; compute debit 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 loans are prepared, documented, processed, and disbursed according to loan quality standards.
Service loans by processing payoffs, refinances, workout arrangements, address changes, payment extensions, collateral releases, and payment due date changes.
Process transactions that cannot be completed through automated channels, maintain transaction balancing records, and assist members with ATM+ machines.
Complete branch operational duties, including following security procedures, assisting with monthly branch audits and internal review checklists, and compiling reports.
Assist with branch cash control, 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, and protect member information and privacy.
Complete special projects and other duties as assigned.