Universal Banker (Consumer Lending Focus)

Affinity Plus•Shakopee, MN

24d•Onsite

About The Position

A Universal Banker (Member Consultant) serves members through multiple communication channels, including in-person interactions, drive-through service, phone, mobile apps, chat, text, SMS, and video banking. The role listens to members’ needs and goals and recommends consumer lending, account products, and services. It also helps members with self-service education, transactions, budgeting, account maintenance, and other account-related questions or issues. The position is based at Affinity Plus Federal Credit Union’s Shakopee, Minnesota branch. The stated schedule includes shifts between 7 a.m. and 7 p.m. Monday through Friday and 7 a.m. to 3 p.m. Saturday. Consistent and reliable attendance is an essential function of the role. The position pays $20.10–$26.80 per hour at starting pay. Applicants may be subject to background and credit checks.

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 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.
Ability to meet the stated work schedule and maintain consistent, reliable attendance.
Ability to perform the essential functions of the position; reasonable accommodations will be considered for employees with disabilities.
Applicants may be subject to a background and credit check.

Nice To Haves

At least 1 year of consumer lending experience preferred.

Responsibilities

Open membership savings, checking, certificates of deposit, Individual Retirement Accounts, and other credit union accounts or products.
Provide information and recommendations about services and products, and direct members to the appropriate person when needed.
Assist members with consumer lending questions and applications.
Listen to member needs, identify relevant products and services, and make recommendations 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 documentation is complete and accurate 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 may 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.
Issue debit, credit, and gift cards instantly.
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.