Universal Banker II

Georgia's Own Credit Union•Tucker, GA

1d•Onsite

About The Position

The Universal Banker II combines the roles of a teller and seller to provide exceptional service to both members and potential members. You will serve as a knowledgeable resource, assisting with a wide range of financial needs, including account openings, transactions, loans, and other credit union services. By building strong relationships, you’ll recommend appropriate products, resolve issues, and ensure a seamless, positive experience. This role offers a base salary of $25.00 per hour and participation in the Universal Banker Incentive Program.

Requirements

High school diploma and equivalent years of experience.
Three years’ experience in a financial branch environment or experience comparable within the financial industry or a retail sales environment.
Ability to provide coverage at other branches when necessary and work Saturday rotation schedule.
Ability to communicate with members and others at all levels of the Credit Union, in both 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.
Demonstrates the ability to interpret and apply financial information (e.g., credit scores, debt, assets, balances, payments, interest rates, etc.) and perform math functions (e.g., addition, subtraction, multiplication, division, percentages, ratios, etc.).
Demonstrates analytical thinking, problem solving, decision making, and judgment by gathering and applying relevant data to research and resolve issues.
Working knowledge of Microsoft Word, Excel and Power Point software applications.
Ability to pass a background check including: Credit, Drug Screen, Bondability, & Criminal Background.
Member Focus – builds member confidence, is committed to increasing member satisfaction, sets achievable member expectations, assumes responsibility for solving member problems, ensures commitments to members are met, solicits opinions and ideas from members, responds to internal customers.
Acting with Integrity - Clearly states goals and beliefs; lets people know his/her true intentions; does what he she said they would do; follows through on commitments.
Teamwork - Has good listening skills; interacts with people effectively and builds strong relationships within own team and across groups; is flexible/open-minded; meets deadlines and responsibilities; listens to others and values opinions; helps team leader to meet goals; puts group goals ahead of own goals; promotes a positive team atmosphere. Solicits performance feedback and handles constructive criticism.
Dependability - Reliable to team and credit union; completes work in a timely and consistent matter; meets commitments; works independently and as part of the greater team; takes personal responsibility for job performance and accepts accountability; handles change; sets personal standards; stays focused under pressure; meets attendance/punctuality requirements.
Work Standards - Sets and maintains high performance standards; pays close attention to detail, accuracy and completeness of work; is committed to excellence; shows concern for all aspects of the job and follows up on work outputs; looks for improvements continuously and owns/acts on challenges and pro-actively recommends solutions.
Decision Making/Judgement - Makes sound decisions that impact and support the business, financial or otherwise. Recognizes problems and responds, systematically gathers information, sorts through complex issues, seeks input from others, addresses root cause of issues, makes timely decisions, can make difficult decisions, uses consensus when appropriate, and communicates decisions to others.
Comply with all requirements under the SAFE ACT, as well as the Credit Union’s policies and procedures related to the SAFE ACT, including an obligation on the employee’s part to ensure that NMLA registration pertaining to the SAFE ACT is kept current and notifying the Credit Union within 30 days of any changes that need to be reflected on the NMLS registry.

Nice To Haves

Bachelor’s degree preferred.

Responsibilities

Greet members in a welcoming manner and ensure they feel valued and connected to Georgia’s Own Credit Union, whether in person, over the phone, or digitally.
Receive and process financial transactions including deposits, withdrawals, check cashing, loan/credit card payments and loan advances, issuing savings/cashier’s checks, and redeeming savings bonds.
Personally, maintain a balancing record in accordance with the balancing standards.
Be familiar with Credit Union policies and procedures in order to effectively handle/direct problems, complaints, and special situations while remaining compliant.
Perform a variety of miscellaneous tasks including but not limited to: balancing ATM, executing branch capture, completing branch recap(s), maintenance of member accounts, processing night depository transactions and acting as the vault teller.
Perform teller transactions by running teller cashbox as needed.
Demonstrate full working knowledge of all branch technology and systems, including but not limited to ATMs, Cash Recyclers, Debit Card Instant Issue, Check Scanning, ITMs and Glory Teller Machines.
Support and contribute to satisfactory branch operational ratings and corporate audits while complying with federal, state and local laws.
Open and close Consumer Membership and Business Membership accounts.
Perform all duties necessary to help members with account maintenance and concern/problem resolutions related to membership.
Notarize and/or guarantee signatures, if authorized.
Process loan applications through appropriate system(s).
Notify members of loan decisions, process and review documentation, deliver, and witness signing of loan documents.
If authorized to do so, approve checks, file maintenances and perform supervisory overrides.
Assess each member’s financial needs through thoughtful, consultative questions, and recommend deposit products (checking, savings, IRAs, CDs, etc.) that best align with the member’s goal.
Educate members on the full range of services available, explaining the credit union difference and how it benefits their membership, while ensuring they understand when and how to utilize these services.
Go beyond transactional processes by collaborating with internal experts to provide creative solutions to members’ needs, resolving issues and improving their overall financial well-being.
Document member interactions and financial needs in the IRM system, ensuring that follow-up is timely and relevant to their current or future needs.
Take a consultative approach to lending by asking questions to identify suitable loan products for members’ needs, including personal loans, auto loans, and mortgages.
Gather necessary member information and submit accurate loan documentation that meets all compliance requirements, working closely with centralized lending teams.
Maintain an organized follow-up plan in the IRM system, ensuring timely communication with members regarding loan statuses or any additional service needs.
Continuously stay informed about industry trends, lending regulations, and market conditions to offer members the most up-to-date and relevant advice.
Participate in ongoing training and development to enhance your skills in universal banking, customer service, and compliance requirements.
Ensure all financial transactions and loan applications adhere to the Credit Union’s operational procedures, regulatory standards, and risk management protocols.
Collaborate with branch team members to improve efficiency, increase member satisfaction, and maintain a high standard of service, while supporting operational and safety procedures.
Provide inbound and outbound telephone services, as necessary to members including transactions, disseminating information, problem resolution and applicable product/service suggestions.
Support organic growth efforts and business development with Community Manager and New Business Development.
Perform supervisory overrides, approve check holds/check hold releases, fee reversals, and communicate with leadership on behalf of the branch in the absence of Community Manager.
Support leadership by providing additional mentorship to retail branch employees regarding the sales and the referral process.
Serve as onboarding specialist and training partner for new employees in branch location(s).
Perform other duties as may be assigned.