Universal Banker I

Georgia's Own Credit Union•Morrow, GA

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 assists members with a broad range of financial needs, including account openings and maintenance, transactions, loans, and other credit union services. The Universal Banker builds member relationships, recommends appropriate products, resolves issues, and helps ensure a positive, seamless experience across in-person, telephone, and digital interactions. This position performs routine and specialized teller and branch operations, opens and closes consumer and business membership accounts, processes loan applications, and supports members through lending decisions and documentation. The role uses consultative questions to understand member needs, documents interactions and follow-ups in the IRM system, and collaborates with internal experts and branch colleagues to provide appropriate solutions. It also supports compliance, risk management, operational standards, audits, and branch safety procedures. The position pays $23.00 per hour. The employee may provide coverage at other branches and is required to work a Saturday rotation. The work takes place in an office environment, typically at a desk or table, with periods of sitting and standing and use of office technology. Candidates must pass background checks that include credit, drug screening, bondability, and criminal background checks. Employees with lending responsibilities must comply with SAFE Act requirements and keep their NMLS registration current.

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 colleagues 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 such as credit scores, debt, assets, balances, payments, and interest rates, and perform arithmetic functions including percentages and ratios.
Analytical thinking, problem-solving, decision-making, and judgment skills, including the ability to gather and apply 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.
Ability to provide coverage at other branches when necessary and work a Saturday rotation.
Ability to perform the essential duties satisfactorily, including communicating face to face or through technology, with or without reasonable accommodation.
Employees with lending responsibilities must comply with SAFE Act requirements, keep NMLS registration current, and notify the credit union within 30 days of changes that must be reflected in the NMLS registry.

Nice To Haves

Bachelor’s degree.
Experience in a financial branch environment or comparable experience in the financial industry or retail sales.

Responsibilities

Welcome and assist members and prospective members in person, by telephone, 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 teller balancing record in accordance with teller balancing standards and operate a teller cashbox as needed.
Apply credit union policies and procedures to handle or direct problems, complaints, and special situations while maintaining compliance.
Perform branch operations 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 member concerns or problems.
Notarize documents when authorized.
Process loan applications; notify members of decisions; review and process documentation; deliver loan documents; and witness signatures.
Assess members’ financial needs using consultative questions and recommend suitable deposit products, including checking, savings, IRAs, and CDs.
Collaborate with internal experts to resolve issues and provide solutions that 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 credit union services, the credit union difference, and how and when to use those 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 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 operational procedures, regulatory standards, and risk management protocols.
Work with branch team members to improve efficiency and member satisfaction while supporting operational and safety procedures.
Provide inbound and outbound telephone services, including transactions, information, problem resolution, and appropriate product or service suggestions.
Perform other duties as assigned.