Universal Banker I

Georgia's Own Credit Union•Marietta, GA

1d•Onsite

About The Position

The Universal Banker I combines teller and sales responsibilities to provide exceptional service to current and prospective credit union members. The role serves as a knowledgeable resource for financial needs, including account openings, transactions, loans, and other credit union services. It builds member relationships, recommends appropriate products, resolves issues, and supports a seamless member experience. The position performs financial transactions, maintains teller balancing records, opens and closes consumer and business accounts, handles account maintenance, and processes loan applications and related documentation. It assesses members’ financial needs, recommends deposit and lending products, records interactions and follow-ups in the IRM system, and collaborates with internal experts and branch colleagues. The role also supports branch operations, regulatory compliance, audits, safety procedures, and member service by phone and digital channels. The role requires a high school diploma and equivalent years of experience; a bachelor’s degree is preferred. One to three years of experience in a financial branch environment, the financial industry, or retail sales is required. Employees may provide coverage at other branches and work a Saturday rotation. The position is based in an office environment and involves sitting and standing at a desk or table, office technology and clerical duties, and lifting or pushing up to 10 pounds. Pay is $23.00 per hour. Benefits include medical, dental, vision, and 401(k) matching. Lending responsibilities require compliance with the SAFE Act, including maintaining current NMLS registration.

Requirements

High school diploma and equivalent years of experience.
One to three years of experience in a financial branch environment, comparable financial industry experience, or retail sales experience.
Ability to communicate with members and others at all levels of the credit union, verbally and in writing.
Experience with the loan application process and standard internal operating policies and procedures.
Knowledge of current industry offers, market trends, competitors, and credit union lending and member service policies and procedures.
Ability to interpret financial information, including credit scores, debt, assets, balances, payments, and interest rates, and perform mathematical functions such as arithmetic, percentages, and ratios.
Analytical thinking, problem-solving, decision-making, and judgment skills, including gathering and applying relevant information to research and resolve issues.
Working knowledge of Microsoft Word, Excel, and PowerPoint.
Ability to pass background screening, including credit, drug screen, bondability, and criminal background checks.
Ability to communicate face to face or through technology, with or without reasonable accommodation.
Ability to sit and stand for varying periods and lift or push up to 10 pounds.
For lending responsibilities, compliance with SAFE Act requirements, including keeping NMLS registration current and notifying the credit union within 30 days of registry-related changes.
Demonstrated member focus, integrity, teamwork, dependability, high work standards, and sound decision-making and judgment.

Nice To Haves

Bachelor’s degree preferred.

Responsibilities

Welcome members and prospective members in person, by phone, and digitally, and help them feel valued and connected to the credit union.
Receive and process deposits, withdrawals, check cashing, loan and credit card payments, loan advances, cashier’s and savings checks, and savings bond redemptions.
Maintain a personal balancing record according to teller balancing standards and run a teller cashbox as needed.
Apply credit union policies and procedures to handle or direct problems, complaints, and special situations in a compliant manner.
Perform branch operations tasks, including balancing ATMs, branch capture, branch recaps, member account maintenance, night depository transactions, and vault teller duties.
Use branch technology and systems, including ATMs, cash recyclers, debit card instant issue, check scanning, ITMs, and Glory Teller Machines.
Support satisfactory branch operational ratings and corporate audits while complying with applicable laws and operational requirements.
Open and close consumer and business membership accounts and help members with account maintenance and membership-related concerns.
Notarize documents when authorized.
Process loan applications through the appropriate systems; notify members of decisions; review documentation; deliver loan documents; and witness signing.
Assess members’ financial needs through consultative questions and recommend suitable deposit products, including checking, savings, IRAs, and CDs.
Collaborate with internal experts to develop solutions, resolve issues, and support members’ financial well-being.
Document member interactions and financial needs in the IRM system and maintain timely, relevant follow-up plans.
Educate members about available services, the credit union difference, and how and when to use the services.
Identify suitable personal, auto, and mortgage loan products through consultative lending conversations; gather member information and submit accurate, compliant loan documentation in coordination with centralized lending teams.
Communicate loan statuses and other service follow-ups to members in a timely manner.
Participate in ongoing training and development in universal banking, customer service, and compliance.
Ensure transactions and loan applications follow operational procedures, regulatory standards, and risk management protocols.
Collaborate with branch colleagues to improve efficiency and member satisfaction while supporting operational and safety procedures.
Provide inbound and outbound telephone services, including transactions, information, problem resolution, and relevant product or service suggestions.
Provide coverage at other branches when necessary and work a Saturday rotation schedule.
Perform other duties as assigned.
For lending responsibilities, comply with SAFE Act requirements and credit union policies, keep NMLS registration current, and notify the credit union within 30 days of changes that need to be reflected in the registry.