Universal Banker I

Georgia's Own Credit Union•Alpharetta, GA

13d

About The Position

The Universal Banker I combines teller and sales responsibilities to provide exceptional service to members and prospective members. The role serves as a knowledgeable resource for financial needs such as account openings, transactions, loans, and other credit union services. It builds member relationships, recommends suitable products, resolves issues, and supports a positive member experience. The position handles a range of branch transactions and operational tasks, opens and maintains consumer and business accounts, and assists members with loan applications and documentation. It assesses members’ financial needs, recommends deposit and lending products, documents interactions and follow-up in the IRM system, and collaborates with internal experts and branch teammates. The role follows credit union procedures, regulatory requirements, and risk-management protocols, and participates in ongoing training. The employee may provide coverage at other branches and is scheduled for Saturday rotation. The work is performed in an office environment, typically at a desk or table, using office technology. Employees may sit and stand for varying periods and lift or push up to 10 pounds. Reasonable accommodations may be made to enable individuals with disabilities to perform essential job functions.

Requirements

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, comparable financial-industry experience, or retail sales experience.
Ability to communicate in writing and verbally with members and people at all levels of the Credit Union.
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 and apply financial information and perform mathematical functions, including calculations involving percentages and ratios.
Analytical thinking, problem-solving, decision-making, and judgment skills, including gathering relevant data to research and resolve issues.
Working knowledge of Microsoft Word, Excel, and PowerPoint.
Ability to pass a background check that includes credit, drug screen, bondability, and criminal background checks.
Ability to communicate face to face or through technology, with or without reasonable accommodation.
For lending responsibilities, compliance with SAFE Act requirements and Credit Union policies and procedures, including maintaining current NMLA registration.
Demonstrated member focus, integrity, teamwork, dependability, high work standards, and sound decision-making and judgment.

Nice To Haves

Bachelor’s degree.

Responsibilities

Welcome and assist members in person, by phone, and digitally.
Process deposits, withdrawals, check cashing, loan and credit card payments, loan advances, savings and cashier’s checks, and savings bond redemptions.
Maintain a balancing record in accordance with 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 while remaining compliant.
Perform branch tasks such as balancing ATMs, executing branch capture, completing branch recaps, maintaining member accounts, processing night depository transactions, and serving as vault teller.
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, and comply with applicable laws.
Open and close consumer and business membership accounts and perform account maintenance and issue resolution.
Notarize documents when authorized.
Process loan applications, notify members of loan decisions, review and process 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 find solutions to members’ needs and improve their 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 to use the services.
Identify suitable lending products, including personal loans, auto loans, and mortgages; gather member information and submit accurate, compliant loan documentation in coordination with centralized lending teams.
Participate in ongoing training and development in universal banking, customer service, and compliance.
Ensure transactions and loan applications comply with operational procedures, regulatory standards, and risk-management protocols.
Collaborate with branch teammates to improve efficiency and member satisfaction and support operational and safety procedures.
Provide inbound and outbound telephone service, including transactions, information, problem resolution, and relevant product or service suggestions.
Perform other duties as assigned.
Provide coverage at other branches when necessary and work a Saturday rotation schedule.
Keep SAFE Act NMLA registration current and notify the Credit Union within 30 days of changes that must be reflected on the NMLS registry.