Universal Banker I

Georgia's Own Credit Union•Alpharetta, GA

25d

About The Position

The Universal Banker I combines teller and sales responsibilities to provide exceptional service to current and prospective members of Georgia’s Own Credit Union. The role assists members with financial needs including account openings and maintenance, transactions, loans, and other credit union services. Through consultative conversations and relationship-building, the banker recommends appropriate products, resolves concerns, and helps provide a positive member experience across in-person, telephone, and digital interactions. The position processes teller and account transactions, opens and closes consumer and business membership accounts, supports loan applications and documentation, and uses branch technology and systems. The Universal Banker I documents member interactions and follow-up in the IRM system, collaborates with internal experts and branch colleagues, and follows operational, regulatory, risk-management, and safety requirements. The position pays $23.00 per hour. Coverage at other branches may be needed, and the role works a Saturday rotation schedule.

Requirements

High school diploma and equivalent years of experience.
One to three years of experience in a financial branch environment, comparable experience in the financial industry, or retail sales experience.
Ability to communicate with members and others at all levels of the credit union in written and verbal formats.
Experience with the loan application process and standard or typical 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, including credit scores, debt, assets, balances, payments, and interest rates, and perform mathematical functions such as 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 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 various increments of time and lift or push up to 10 pounds.
Ability to perform clerical office duties using various forms of technology.
For lending responsibilities, compliance with SAFE Act requirements and the credit union’s related policies and procedures, including keeping NMLA registration current and notifying the credit union within 30 days of changes for the NMLS registry.
Ability to work a Saturday rotation schedule and provide coverage at other branches when necessary.

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, 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 when handling or directing problems, complaints, and special situations while maintaining compliance.
Perform branch support tasks such as balancing ATMs, executing branch capture, completing branch recaps, maintaining member accounts, processing night depository transactions, and acting 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 federal, state, and local laws.
Open and close consumer and business membership accounts and assist with account maintenance and membership-related concerns or problems.
Notarize documents when authorized.
Process loan applications through appropriate systems; notify members of decisions; process and review documentation; and deliver and witness signing of loan documents.
Assess members’ financial needs through consultative questions and recommend deposit products such as checking, savings, IRAs, and CDs.
Collaborate with internal experts to find solutions to members’ needs, resolve issues, and support members’ financial well-being.
Record 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 those services.
Identify appropriate personal, auto, and mortgage loan products; 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 through timely follow-up.
Participate in ongoing training and development in universal banking, customer service, and compliance.
Ensure transactions and loan applications follow credit union procedures, regulatory standards, and risk-management protocols.
Collaborate with branch colleagues to improve efficiency and member satisfaction, maintain service standards, and support operational and safety procedures.
Provide inbound and outbound telephone service, including transactions, information, problem resolution, and applicable product or service suggestions.
Perform other duties as assigned.
Provide coverage at other branches when necessary and work a Saturday rotation schedule.
Maintain current SAFE Act NMLA registration when the position has lending responsibilities, and notify the credit union within 30 days of changes that must be reflected in the NMLS registry.