Universal Banker (Consumer Lending Focus)

Affinity Plus•Eagan, MN

11d•Onsite

About The Position

A Universal Banker with a consumer lending focus interacts with members through face-to-face service, drive-thru, phones, mobile apps, chat, text/SMS, and video banking. The role listens to members’ needs and goals, recommends consumer lending and account products, and helps members with self-service education, transactions, budgets, account maintenance, and other account-related issues. The position is located at the Eagan, Minnesota branch and is full time, 40 hours per week. Shifts 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 an essential function of the role.

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 products and services that would 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.
Ability to meet the physical demands described for the role, including occasional bending, twisting, kneeling, stooping, or crouching; repetitive movements; and lifting, carrying, pushing, or pulling up to approximately 50 pounds.
Consistent and reliable attendance.

Nice To Haves

At least 1 year of consumer lending experience preferred.

Responsibilities

Open membership savings, checking, certificates of deposit, Individual Retirement Accounts (IRAs), and other credit union accounts or products.
Provide members with information and recommendations about services and products, and direct them to the appropriate person when needed.
Assist members with consumer lending questions and applications.
Listen to member needs, identify relevant products and services, and recommend options aligned with those needs.
Determine which consumer loan and credit options are available to 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 questions and issues.
Balance and maintain a personal cash drawer and branch vault, including appropriate currency logs when applicable.
Perform other duties as assigned.