Universal Banker

Palmetto Citizens Federal Credit Union•Columbia, SC

13d

About The Position

The Universal Banker delivers a proactive, consultative, service-focused banking experience by assisting members with transactions, maintaining accurate records, and identifying financial needs to recommend appropriate solutions. The role supports branch operations, provides memorable member experiences, achieves sales and service goals, and handles a wide range of service requests. The Universal Banker maintains current knowledge of credit union products, security procedures, and internal controls to ensure compliance and safeguard member information. The position engages members, provides financial transactions and account services, educates members about banking channels and financial literacy, and recommends products and services suited to their goals. It also performs teller functions, opens and services accounts, assists with loan applications and documentation, and contributes to team goals and ongoing professional development.

Requirements

High school diploma or equivalent required.
At least 1 year of experience in sales or a sales support role.
Professionalism and strong written and verbal communication skills, with the ability to interact confidently with members.
Detail orientation and the ability to multitask, work independently, and collaborate in a team environment.
Ability to take a sales-focused approach to building member relationships and proactively learn credit union products and services.
Ability to perform basic math calculations.
Ability to successfully complete the Credit Union’s in-house training program within a reasonable timeframe.
Equal opportunity employer to all protected groups, including protected veterans and individuals with disabilities.

Nice To Haves

Bachelor’s degree preferred.
Proficiency with MS Office (Word, Excel, Outlook) preferred.
Familiarity with core banking systems preferred.

Responsibilities

Proactively engage members in the lobby, understand why they are visiting, assess their financial needs, and provide positive, solution-focused interactions.
Assist with financial transactions, maintain proper records, and help ensure a safe and secure environment.
Address member inquiries, resolve issues, and educate members about banking channels, digital tools, and financial literacy topics such as budgeting, savings, and credit management.
Maintain knowledge of credit union products, services, and policies to provide advice aligned with member goals.
Recommend appropriate products and services and help members use available tools to manage their financial lives.
Build relationships through memorable experiences and intentional follow-up, including outbound calls that deepen engagement and recommend relevant products and services.
Identify service issues, anticipate concerns, and offer thoughtful solutions.
Clearly and accurately communicate product and service benefits, requirements, fees, and costs.
Open and service savings, checking, certificate, and IRA accounts.
Perform teller functions, including accepting deposits and payments, processing withdrawals, issuing official checks, and balancing a cash drawer.
Assist members with loan applications, prepare documentation, and track loan status as a loan interviewer and processor.
Conduct file maintenance and process account changes while ensuring accuracy and compliance with internal controls, security procedures, and regulatory requirements.
Collaborate with team members to achieve branch, sales, and service goals.
Participate in team meetings, training, and ongoing development to expand product knowledge and service capabilities.
Support branch initiatives and contribute to a positive, member-focused work environment.