Universal Banker II

Georgia's Own Credit Union•Fayetteville, GA

10d

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 transaction processing, account opening, lending, service, and relationship development, while supporting branch goals and individual production targets. It also provides peer mentoring, onboarding support, operational guidance, and reinforcement of sales and service practices in collaboration with branch leadership. The position supports member service and relationship development through in-person, telephone, and digital interactions; consumer and business account openings; account maintenance; problem resolution; loan application support; and referrals to appropriate Credit Union products and services. It also processes financial transactions and performs assigned balancing, vault, ATM, branch-capture, and reconciliation activities while following policies, procedures, and regulatory requirements. The Universal Banker II supports branch readiness, productivity, employee onboarding and training, and branch coverage as needed, including at other locations. The role may rotate among transaction, office, lending, and service responsibilities according to member and branch needs. Although the position assists with peer training and operational support, employee coaching, scheduling, performance evaluations, corrective action, staffing decisions, and employee development remain the responsibility of branch leadership. 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 in the registry.

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 provide coverage at other branches when necessary and work a Saturday rotation schedule.
Ability to communicate verbally and in writing with members and others at all levels of the Credit Union.
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 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 a background check, including credit, drug screen, bondability, and criminal background checks.
Ability to comply with SAFE Act requirements and related Credit Union policies and procedures for lending responsibilities.
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 preferred.

Responsibilities

Deliver exceptional service through in-person, telephone, and digital member interactions.
Build 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.
Support consumer loan applications and related documentation, and 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.
Support branch readiness, operational compliance, audit preparedness, and adherence to 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 and knowledge sharing.
Collaborate with the Universal Banker Manager to identify development opportunities and operational challenges.
Maintain individual production goals related to memberships, deposits, lending, referrals, debit activation, and other established measures.
Generate referrals and member relationship opportunities, and support business-development and community-engagement activities.
Support member traffic flow, phone coverage, appointments, and branch execution.
Rotate among transaction, office, lending, and service responsibilities according to member and branch needs, and provide coverage at other locations as needed.
Reinforce operational expectations, service standards, and branch routines in support of the Universal Banker Manager.
Communicate member concerns, operational issues, staffing challenges, and process-improvement opportunities to branch leadership.
Provide knowledgeable branch support during high member demand, staffing shortages, or employee transitions.
Keep required NMLS registration current for lending responsibilities and notify the Credit Union within 30 days of changes that need to be reflected on the NMLS registry.