Universal Branch Representative I - Cosner East Branch

Virginia Credit Union•Fredericksburg, VA

3d•$55,767 - $61,603

About The Position

The Universal Branch Representative performs the duties of both a Teller and a Member Service Representative (platform). The role supports branch sales and service strategies while delivering an exceptional member experience. Responsibilities include processing teller transactions, opening memberships and deposit accounts, assisting with deposit and loan accounts, assessing member needs, making referrals, and providing courteous service in person and over the phone. The representative is also responsible for meeting individual and business service and sales goals, maintaining required product and policy knowledge, and completing assigned training and documentation. Required notary certification must be maintained, with ongoing awareness of notary rules and regulations. Other duties may be assigned by the supervisor.

Requirements

Minimum high school diploma or equivalent.
Customer or member service experience, preferably at a financial institution.
Cash-handling or business experience at a financial institution.
Satisfactory computer skills.
Positive and effective communication and public relations skills.
Cross-selling, problem-solving, and interpersonal skills.
Sound judgment and ability to handle difficult situations and multiple tasks.
Professional appearance and manner.
Ability to sit and stand for long periods.
Ability to occasionally lift up to 50 pounds and frequently lift up to 30 pounds.
Required notary certification and ability to stay informed of applicable notary rules and regulations.

Nice To Haves

Thorough understanding of products and services offered by financial institutions.
Some college education or business courses.
Knowledge of TCD transaction and settlement procedures.

Responsibilities

Establish member relationships through quality service and cross-selling VACU products and services to meet member needs.
Process transactions proficiently and accurately, using sound judgment and seeking approval for transactions beyond assigned authority.
Perform paying and receiving functions, including deposits, check cashing, loan payments, miscellaneous sales, and cash advances, with accurate balancing and reporting.
Disburse cash, maintain and balance a cash drawer daily, assist with reconciling discrepancies, and maintain cash levels according to VACU policy.
Evaluate existing and prospective members’ needs and make referrals to Member Service Representatives.
Open memberships and all types of deposit accounts, and provide assistance and maintenance for deposit and loan accounts.
Apply referral-based lending knowledge and assess member financial needs to identify cross-selling opportunities and deepen relationships.
Engage members and prospective members professionally and courteously in person and over the phone.
Adapt to daily member and branch needs, self-manage, guide co-workers, and provide lobby leadership to support the member experience.
Follow VACU platform and teller-line policies and procedures, including security and information security requirements.
Answer member inquiries and phone calls accurately, cross-sell products and services when appropriate, and handle transactions efficiently and courteously.
Build and retain member relationships through follow-up and courtesy calls.
Meet teller and Member Service Representative performance expectations for service quality, operations, and sales, and follow member service expectations.
Handle troubleshooting and special assignments in support of the supervisor.
Consistently meet business goals and individual member service and sales goals through high-quality service and needs-based sales.
Maintain required notary certification and stay informed of notary rules and regulations.
Comply with enterprise policies and procedures, including Risk Management policies; complete required ongoing training, including BSA, OFAC, and Information Security; and report policy violations as required.
Develop and maintain knowledge of applicable federal and state regulations, corporate policies and procedures, loan documents, systems, credit reports, and related lending documents.
Perform other duties as required and assigned by the supervisor.