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 exceptional service to credit union members and prospective members. The role serves as a knowledgeable resource for financial needs such as account openings, transactions, loans, and other credit union services. Through relationship-building and a consultative approach, the Universal Banker recommends appropriate products, resolves concerns, and supports a positive member experience. The position pays $23.00 per hour. The role handles financial transactions, account openings and maintenance, loan applications and documentation, member education, and follow-up. It also supports branch operations, technology, audits, regulatory compliance, and safety procedures. The employee may provide coverage at other branches and must work a Saturday rotation schedule. Ongoing training and collaboration with branch colleagues and centralized lending teams are part of the position. The employee works in an office environment that is well-lighted, heated, and air-conditioned, typically stationed at a desk or table. The job involves sitting and standing for varying periods, communicating face to face or through technology, clerical duties using technology, and lifting or pushing up to 10 pounds. Reasonable accommodations may be made to enable individuals with disabilities to perform essential job functions. Employees with lending responsibilities must comply with SAFE Act requirements, keep NMLA registration current, and notify the Credit Union within 30 days of changes that need to be reflected in the NMLS 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 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 basic math 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 a background check that includes 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 varying increments of time and lift or push up to 10 pounds.
For positions with lending responsibilities, compliance with SAFE Act requirements, including keeping NMLA registration current and reporting relevant changes to the Credit Union within 30 days.
Demonstrated member focus, integrity, teamwork, dependability, high work standards, and sound decision-making and judgment.

Nice To Haves

Bachelor’s degree preferred.

Responsibilities

Welcome members and prospective members in person, by phone, or digitally, ensuring they 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 personal balancing record according to teller balancing standards and perform teller transactions by running 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 operational 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 members 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; deliver loan documents; and witness signing.
Assess member financial needs through consultative questions and recommend suitable deposit products, including checking, savings, IRAs, and CDs.
Collaborate with internal experts to identify solutions, resolve issues, and 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 services, the credit union difference, and how and when to use those services.
Identify suitable personal, auto, and mortgage loan products; gather member information; submit accurate, compliant loan documentation; and work with centralized lending teams.
Communicate with members about loan status and additional service needs through timely follow-up in the IRM system.
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 team members to improve efficiency and member satisfaction and 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.
Provide coverage at other branches when necessary and work a Saturday rotation schedule.
Perform other duties as assigned.
Maintain current NMLA registration for lending responsibilities and notify the Credit Union within 30 days of changes requiring updates to the NMLS registry.