Universal Banker II

Georgia's Own Credit Union•Waycross, GA

4d•Onsite

About The Position

The Universal Banker II delivers exceptional member service, builds member relationships, supports branch operations, and serves as an experienced resource for branch employees. The role combines advanced transaction processing, account opening, lending, service, and relationship-development responsibilities while supporting the branch team’s success. It also supports onboarding, peer mentoring, operational guidance, and consistent sales and service practices, while maintaining individual performance and production goals. The position works closely with the Universal Banker Manager and/or Area Service Manager to promote service excellence, operational consistency, employee development, member engagement, and branch productivity. The position pays $25.00 per hour. The employee may rotate between transaction, office, lending, and service responsibilities according to member and branch needs, provide coverage at other locations when necessary, and work a Saturday rotation schedule. Lending responsibilities require compliance with SAFE Act requirements, including keeping NMLA registration current and notifying the Credit Union within 30 days of changes that need to be reflected on the NMLS registry. The work takes place in an office environment that is well-lighted, heated, and air-conditioned, typically at a desk or table. The employee sits and stands for varying periods, performs clerical duties using technology, and must be able 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.
Three to five 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, both in writing and verbally.
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 financial information such as credit scores, debt, assets, balances, payments, and interest rates, and perform 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 screening, bondability, and criminal background checks.
Ability to perform essential duties satisfactorily, communicate face to face or through technology with or without reasonable accommodation, and lift or push up to 10 pounds.
For lending responsibilities, comply with SAFE Act requirements and Credit Union policies and procedures, keep NMLA registration current, and notify the Credit Union within 30 days of changes that need to be reflected on the NMLS registry.

Nice To Haves

Bachelor’s degree preferred.

Responsibilities

Deliver exceptional member service through in-person, telephone, and digital interactions.
Build and strengthen member relationships by identifying needs and recommending appropriate products and services.
Open consumer and business membership accounts and assist with account maintenance, problem resolution, and service requests.
Process and support consumer loan applications and related documentation.
Conduct consultative conversations to identify deposit, lending, and relationship-growth opportunities.
Follow up with members in a timely manner and document interactions in designated systems.
Promote Credit Union products and services through referrals, education, and relationship management.
Support branch service, production, and member-experience goals.
Process deposits, withdrawals, loan payments, check cashing, and account maintenance transactions.
Maintain accurate balancing records and perform assigned vault, ATM, branch-capture, balancing, and reconciliation activities.
Use branch technology, systems, and equipment proficiently; process operational exceptions and authorized overrides within delegated authority limits.
Support branch readiness, operational compliance, and audit preparedness, and follow Credit Union policies, procedures, and regulatory requirements.
Serve as a peer mentor and operational resource for branch employees and support onboarding for newly hired Universal Bankers.
Reinforce service standards, sales practices, operational procedures, and member-engagement expectations; assist with training, knowledge sharing, and skill development.
Collaborate with the Universal Banker Manager to identify development opportunities and operational challenges, and promote teamwork and a positive branch culture.
Maintain individual production goals related to memberships, deposits, lending, referrals, debit activation, and other established performance measures.
Generate referrals and member relationship opportunities, and support branch business-development and community-engagement activities.
Support member traffic flow, phone coverage, appointments, and branch execution; rotate between transaction, office, lending, and service responsibilities as needed.
Provide coverage at other branch locations as needed and work a Saturday rotation schedule.
Support the Universal Banker Manager by reinforcing operational expectations, service standards, and branch routines.
Communicate member concerns, operational issues, staffing challenges, and process-improvement opportunities to branch leadership.
Serve as a knowledgeable branch resource during periods of high member demand, staffing shortages, or employee transitions.
Assist with employee onboarding and training as directed by branch leadership. Employee coaching, scheduling, performance evaluations, corrective action, staffing decisions, and employee development remain the responsibility of branch leadership.
Keep NMLA registration current for lending responsibilities and notify the Credit Union within 30 days of changes that need to be reflected on the NMLS registry.