Universal Associate

Default • Cumming, GA

5d

About The Position

The Universal Associate welcomes and assists members visiting the branch, provides information about credit union products and services, completes account and transaction activities, supports members with technology, and recommends appropriate financial solutions. The role also originates, processes, closes, and services consumer loans; performs branch operational and cash-control duties; and identifies and escalates potentially fraudulent activity. The associate is expected to maintain professional conduct, protect member privacy, follow credit union policies and operational standards, and contribute to credit union, branch, and individual goals.

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 escalate complex transactions when needed.
• Inform members about credit union technology services and help troubleshoot technology-related transactions and issues.
• Identify, recommend, and promote products and services aligned with member needs and the credit union’s business strategy; counsel members on money management and financial matters.
• Use consultative conversations to assess member needs and recommend products and services that help meet or exceed goals.
• Build strong, positive, and productive working relationships in support of the organization’s purpose, mission, and core values.
• Interview loan 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 required.
• 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 branch transactions that cannot be completed through automated channels and maintain a balancing record that meets established standards.
• Assist members with ATM+ machines as needed.
• Complete branch operational duties, including following security procedures, assisting with monthly branch audits and internal review checklists, and compiling reports.
• Assist with branch cash controls, including balancing cash drawers, the branch 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 maintain 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