Universal Banker I

Georgia's Own Credit Union•Savannah, GA

About The Position

The Universal Banker I combines teller and sales responsibilities to provide service to current and prospective credit union members. The role assists with a range of financial needs, including account openings, transactions, loans, and other credit union services. It builds member relationships, recommends appropriate products, resolves issues, and supports a positive member experience. The position handles financial transactions, membership and account maintenance, loan applications and documentation, and member inquiries in person, by phone, and digitally. It also supports branch operations, technology, compliance, audits, and safety procedures. The employee may provide coverage at other branches and is required to work a Saturday rotation schedule. The role is based in an office environment that is well-lighted, heated, and air-conditioned. Employees typically work at a desk or table, sit and stand for varying periods, and may need to 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.
One to three years of experience in a financial branch environment, comparable financial-industry experience, 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 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 functions including 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 schedule.
For lending responsibilities, compliance with SAFE Act requirements and credit union policies and procedures, including keeping NMLS registration current and notifying the credit union within 30 days of changes that must be reflected in the registry.
Demonstrated member focus, integrity, teamwork, dependability, strong work standards, and sound decision-making and judgment.

Nice To Haves

Bachelor’s degree.

Responsibilities

Welcome members and prospective members in person, by phone, and digitally, providing a helpful and connected service experience.
Receive and process financial transactions, including deposits, withdrawals, check cashing, loan and credit-card payments, loan advances, issuing savings and cashier’s checks, and redeeming savings bonds.
Maintain a personal balancing record in accordance with teller balancing standards and run a teller cashbox as needed.
Apply credit union policies and procedures to address or direct problems, complaints, and special situations while maintaining compliance.
Perform branch operations 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 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; notify members of loan decisions; review and process documentation; and deliver and witness the 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 for members’ needs, resolve issues, and support 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 and when to use those services.
Identify appropriate personal, auto, and mortgage loan products by taking a consultative approach to lending.
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 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 colleagues to improve efficiency and member satisfaction while supporting operational and safety procedures.
Provide inbound and outbound telephone services as needed, including transactions, information, problem resolution, and relevant product or service suggestions.
Perform other duties as assigned.