Universal Branch Representative II - Courthouse Landing Branch

Virginia Credit Union • Chesterfield, VA

85d

About The Position

The Universal Branch Representative performs the duties of both a Teller and MSR. This role is vital in the delivery of an exceptional member experience while supporting branch sales and service strategies.

Requirements

• Thorough understanding of products and services offered by financial institutions preferred.
• Satisfactory computer skills required.
• Positive and effective communication and public relations skills, cross-selling, problem solving and interpersonal skills.
• Sound judgment.
• Ability to handle difficult situations.
• Ability to handle multiple tasks.
• Professional appearance and manner.
• Minimum of high school diploma or equivalent.
• Some college education or business courses preferred.
• Customer/member service experience, preferably at a financial institution.
• Cash handling/business experience at a financial institution.
• Knowledge of TCD transaction and settlement procedures.
• Must be able to be actively registered with the Nationwide Mortgage Licensing System and Registry (NMLS).

Responsibilities

• Establishes member relationships through quality service and cross selling VACU products/services to meet member needs.
• Handles each transaction proficiently and accurately, exercising good judgment and seeking approval for any transaction exceeding assigned levels of authority.
• Performs paying and receiving functions with accurate balancing and reporting, including but not limited to deposits, check cashing, loan payments, miscellaneous sales, cash advances, etc.
• Disburses cash accurately and maintains a cash drawer, balancing it daily.
• Verifies and balances assigned cash drawer daily with minimal cash variances.
• Assists in reconciling errors or discrepancies.
• Maintains adequate cash and/or cash limits as required by VACU policy.
• Evaluates needs of existing and prospective members and makes daily referrals to Member Service Representatives.
• Responsible for opening/maintenance of various deposit accounts.
• Ability to interview members with lending needs, submit appropriate loan applications and related documents, and coordinate loan closings.
• Assesses each member’s financial needs to identify, cross-sell opportunities and expand relationships.
• Demonstrates the ability to make appropriate decisions in the best interest of VACU and the membership.
• Engage members and prospective members in a professional and courteous manner in person and over the phone.
• Demonstrates flexibility around the daily needs of the members and the branch.
• Possesses leadership skills to properly self-manage and guide co-workers consistently.
• Possesses lobby leadership skills in order to maximize exceptional member experience.
• Demonstrates appropriate knowledge of all VACU policies and procedures related to the platform and teller line, including Security and Information Security.
• Answers member inquiries and cross-sells products and services of the credit union when appropriate.
• Responsible for handling member transactions quickly and efficiently in a courteous manner within established policies and procedures and to identify and assist in member needs in a proficient and professional manner.
• Meets member needs by maintaining appropriate knowledge of all VACU products and services.
• Answers the phone and responds to member phone inquiries professionally and accurately.
• Building and retaining member relationships by performing follow – up and courtesy calls to members.
• Meets expectations in all areas of teller and MSR performance documentation including service quality, operations, and sales.
• Provides quality service by following all member service expectations.
• Handles troubleshooting and special assignments in support of supervisor.
• Responsible for ensuring that business goals and individual member service and sales goals are consistently met.
• Responsible for delivering high quality service and needs based sales to members.
• Required notary certification. Must stay informed of all notary rules and regulations.
• Comply with all published enterprise level policies and procedures including, but not limited to, Risk Management policies.
• Complete all required, ongoing enterprise level training including, but not limited to BSA, OFAC, and Information Security.
• Report all Risk Management Policy violations in accordance with policy.
• Must develop and maintain a working knowledge of all applicable federal and state regulations including corporate policies and procedures.
• Stay up to date on all required loan documents, systems, credit reports and related lending documents.

Benefits

• Opportunities for training and development.
• Work-life balance.
• Teamwork and integrity culture.
• Challenging and rewarding work environment.

What This Job Offers

• Education Level: High school or GED
• Number of Employees: 501-1,000 employees