Universal Banker I

Georgia's Own Credit Union•Kingsland, GA

About The Position

The Universal Banker I combines teller and sales responsibilities to provide service to current and potential members. The role assists with a range of financial needs, including account openings, transactions, loans, and other credit union services. The banker builds member relationships, recommends relevant products, resolves issues, and supports a positive member experience. This position pays $23.00 per hour. The role may require coverage at other branches and participation in a Saturday rotation. The employee works in an office environment, typically stationed at a desk or table, and uses various forms of technology to perform clerical duties. Lending responsibilities require compliance with the SAFE Act, including keeping NMLS registration current and notifying the Credit Union within 30 days of changes that must be reflected on the registry.

Requirements

High school diploma and equivalent years of experience.
One to three years of experience in a financial branch environment, comparable experience within the financial industry, 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 financial information, including credit scores, debt, assets, balances, payments, and interest rates, and perform mathematical calculations such as percentages and ratios.
Analytical thinking, problem-solving, decision-making, and judgment skills, including gathering and applying relevant data to research and resolve issues.
Working knowledge of Microsoft Word, Excel, and PowerPoint.
Ability to pass background checks, including credit, drug screen, bondability, and criminal background checks.
Ability to provide coverage at other branches when necessary and work a Saturday rotation.
For lending responsibilities, compliance with SAFE Act requirements and Credit Union policies, including maintaining current NMLS registration and reporting relevant changes within 30 days.
Ability to perform essential job duties satisfactorily, communicate face to face or through technology with or without reasonable accommodation, and lift or push up to 10 pounds.

Nice To Haves

Bachelor’s degree.

Responsibilities

Welcome members and potential members in person, by phone, or 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 perform teller transactions using a teller cashbox as needed.
Follow Credit Union policies and procedures when handling or directing problems, complaints, and special situations.
Perform miscellaneous branch tasks, including 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 while complying with applicable federal, state, and local laws.
Open and close Consumer and Business Membership accounts and assist members with account maintenance and membership-related concerns or problems.
Notarize documents if authorized.
Process loan applications through appropriate systems; notify members of loan decisions; process and review documentation; and deliver and witness signing of loan documents.
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.
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 suitable lending products, including personal, auto, and mortgage loans, by asking members about their needs.
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 meet operational procedures, regulatory standards, and risk management protocols.
Collaborate with branch colleagues to improve efficiency and member satisfaction and to maintain service, operational, and safety standards.
Provide inbound and outbound telephone services as needed, including transactions, information, problem resolution, and relevant product or service suggestions.
Perform other duties as assigned.