Universal Banker II

Georgia's Own Credit Union•Fayetteville, GA

2d•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 transaction processing, account opening, lending, service, and relationship-development responsibilities while contributing to branch performance and individual production goals. The position supports onboarding, peer mentoring, operational guidance, and consistent sales and service practices. It serves as a branch subject-matter resource and 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 role may rotate among transaction, office, lending, and service duties and provide coverage at other branches as needed. The work is performed in an office environment that is well-lighted, heated, and air-conditioned, typically at a desk or table. Employees sit and stand for varying periods, perform clerical duties using technology, and may need to lift or push up to 10 pounds. 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; a bachelor's degree is preferred.
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 common mathematical calculations.
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.
Must pass a background check that includes credit, drug screening, bondability, and criminal background checks.
Ability to perform essential job duties, communicate face to face or through technology with or without reasonable accommodation, sit and stand for varying periods, lift or push up to 10 pounds, and perform clerical duties using technology.
For lending responsibilities, comply with SAFE Act requirements and Credit Union policies and procedures, keep NMLS registration current, and notify the Credit Union within 30 days of relevant changes.
Demonstrated member focus, integrity, teamwork, dependability, high work standards, and sound decision-making and judgment.

Nice To Haves

Bachelor's degree.

Responsibilities

Deliver exceptional service through in-person, telephone, and digital 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.
Process and support consumer loan applications and related documentation.
Conduct consultative conversations to identify deposit, lending, and relationship-growth opportunities; follow up with members and document interactions in designated systems.
Promote Credit Union products and services through referrals, education, and relationship management, and 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 vault, ATM, branch-capture, balancing, and reconciliation activities as assigned.
Use branch technology, systems, and equipment; process operational exceptions and authorized overrides within delegated authority limits.
Support branch readiness, operational compliance, audit preparedness, and adherence to Credit Union policies, procedures, and regulatory requirements.
Mentor peers and serve as an operational resource for branch employees; support onboarding of 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 measures.
Support business-development and community-engagement activities, 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 and assist with onboarding and training as directed.
Maintain current NMLS registration for lending responsibilities and notify the Credit Union within 30 days of changes that must be reflected on the NMLS registry.