Universal Banker (Consumer Lending Focus)
About The Position
The Universal Banker, referred to in the description as a Member Consultant, interacts with members through channels including in-person service, drive-through, phone, mobile apps, chat, text/SMS, and video banking. The role listens to members’ needs and goals and recommends consumer lending and account products. It also helps members with self-service education, transactions, budgeting, account maintenance, and other account-related issues. The position is based at the Shakopee, Minnesota branch. The work involves in-person interaction and coordination with employees and departments, substantial computer and phone use, and a schedule with shifts between 7 a.m. and 7 p.m. Monday through Friday and 7 a.m. to 3 p.m. Saturday.
Requirements
- At least 1 year of customer service or professional experience working with people.
- Ability to navigate and resolve complex issues and situations.
- Ability to achieve call goals set by leadership.
- Basic knowledge of credit and regulatory policy as it relates to consumer lending.
- Ability to identify and cross-sell products and services that benefit members consistently.
- Strong analytical and decision-making skills, with a high degree of accuracy.
- Ability to work independently and as part of a team, and to collaborate with others.
- Strong verbal and written communication skills.
- Time-management skills and ability to prioritize workload based on department and member needs.
- Flexibility to adapt and succeed in a dynamic environment.
- Ability and drive to provide exceptional service to members and employees.
- Intermediate computer skills and ability to navigate multiple systems.
Nice To Haves
- At least 1 year of consumer lending experience.
Responsibilities
- Open membership savings, checking, certificate of deposit, IRA, and other credit union accounts or products.
- Provide information and recommendations about services and products, directing members to the appropriate person when needed.
- Assist members with consumer lending questions and applications.
- Listen to members’ needs, identify opportunities, and recommend products and services aligned with those needs.
- Determine available consumer loan and credit options for members.
- Analyze members’ financial situations and credit reports to determine whether approving a loan is in their best interest.
- Review loan agreements, gather required documentation, and ensure completeness and accuracy in accordance with policy.
- Approve loans within specified limits and refer applications outside those limits to management for approval.
- Help members understand their financial goals and create personal budgets to support those goals.
- Proactively contact members about products or services that could help them achieve their financial goals.
- Process member transactions accurately and efficiently.
- Educate members about self-service options.
- Execute wire or ACH transfers of funds.
- Instantly issue debit, credit, and gift cards.
- Troubleshoot credit or debit card issues, online banking questions, and other general account-related issues.
- Balance and maintain a personal cash drawer and branch vault, and maintain appropriate currency logs when applicable.
- Perform other duties as assigned.
Benefits
- Low-cost medical, dental, and vision insurance coverage options.
- Frontloaded sick time hours and a portion of vacation hours for new employees.
- A variety of paid leave options.
- Monthly wellness benefit.
- Immediate 401(k) matching up to 5%.
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What This Job Offers
Job Type
Full-time
Career Level
Entry Level
Education Level
No Education Listed
