Universal Banker (Consumer Lending Focus)

Affinity Plus Federal Credit Union•Eagan, MN

11d•$20 - $27•Onsite

About The Position

A Universal Banker (Member Consultant) interacts with members through face-to-face meetings, drive-through service, phones, mobile apps, chat, text/SMS, and video banking. By listening to members’ needs and goals, the role recommends consumer lending and account products and helps members with self-service education, transactions, budgets, account maintenance, and other account-related matters. This position is based at the Eagan, Minnesota branch and is full-time, 40 hours per week. Shift times may vary between 8:00 a.m. and 5:30 p.m. Monday through Friday and 8:00 a.m. and 1:30 p.m. Saturday. Consistent and reliable attendance is required.

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 consistently identify and cross-sell product and service opportunities that benefit members.
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 with ease.
Consistent and reliable attendance.
Ability to perform the essential functions of the position; reasonable accommodations may be provided when requested.

Nice To Haves

At least 1 year of consumer lending experience.

Responsibilities

Open membership savings, checking, certificates of deposit, Individual Retirement Accounts, and other credit union accounts or products.
Provide members with information and recommendations about services and products, referring them to the appropriate person when needed.
Assist members with consumer lending questions and applications.
Listen to members’ needs and recommend products and services that align with them.
Determine available consumer loan and credit options for members.
Analyze members’ financial situations and credit reports to assess 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 questions and issues.
Balance and maintain a personal cash drawer and branch vault, and maintain appropriate currency logs if applicable.
Perform other duties as assigned.