Universal Banker I

Georgia's Own Credit Union•Conyers, GA

13d•Onsite

About The Position

The Universal Banker I combines teller and sales responsibilities to provide service to members and prospective members. The role assists with a broad range of financial needs, including opening and maintaining accounts, processing transactions, handling loan applications, recommending appropriate products, resolving concerns, and explaining credit union services. The Universal Banker builds member relationships and documents interactions and follow-ups in the IRM system to support timely, relevant service. This position performs branch transactions and operational duties, uses branch technology and systems, and helps maintain compliance with credit union procedures, regulatory requirements, risk protocols, and safety standards. It also provides telephone service, collaborates with branch colleagues and centralized lending teams, and participates in ongoing training. The employee may provide coverage at other branches and works a Saturday rotation schedule. The position pays $23.00 per hour. Georgia’s Own Credit Union offers medical, dental, and vision coverage and 401(k) matching. The work is performed in an office environment, typically at a desk or table, with periods of sitting and standing and clerical work using technology. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions. Lending duties require compliance with the SAFE Act, including keeping NMLS registration current and notifying the credit union within 30 days of changes requiring registry updates.

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 provide coverage at other branches when necessary and work a Saturday rotation schedule.
Ability to communicate effectively, verbally and in writing, 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 financial information, including credit scores, debt, assets, balances, payments, and interest rates, and perform basic math functions, including percentages and ratios.
Analytical thinking, problem-solving, decision-making, and judgment skills, including gathering and applying data to research and resolve issues.
Working knowledge of Microsoft Word, Excel, and PowerPoint.
Ability to pass credit, drug-screen, bondability, and criminal-background checks.
Must meet SAFE Act requirements for lending responsibilities, maintain current NMLS registration, and notify the credit union within 30 days of changes that need to be reflected in the registry.
Demonstrates member focus, integrity, teamwork, dependability, high work standards, and sound decision-making and judgment.

Nice To Haves

Bachelor’s degree.

Responsibilities

Welcome members in person, by phone, and digitally, helping them feel valued and connected to the credit union.
Process deposits, withdrawals, check cashing, loan and credit card payments, loan advances, savings and cashier’s checks, and savings bond redemptions.
Maintain a personal balancing record in accordance with teller balancing standards and run a teller cashbox as needed.
Apply credit union policies and procedures when handling or directing problems, complaints, and special situations.
Perform branch operations tasks, including balancing ATMs, branch capture, branch recaps, member account maintenance, night depository processing, 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 and comply with applicable laws and procedures.
Open and close consumer and business membership accounts and assist with account maintenance and member concerns or problems.
Notarize documents if authorized.
Process loan applications, notify members of decisions, review and process documentation, deliver loan documents, and witness signatures.
Assess member financial needs 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 follow-up plans.
Educate members about available credit union services and how to use them.
Identify suitable personal, auto, and mortgage loan products through consultative discussions; gather member information and submit accurate, compliant loan documentation in coordination with centralized lending teams.
Communicate with members about loan status and additional service needs.
Participate in ongoing training and development related to universal banking, customer service, and compliance.
Ensure transactions and loan applications follow operational procedures, regulatory standards, and risk management protocols.
Collaborate with branch team members to improve efficiency and member satisfaction while supporting 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.