Universal Service Representative I

America First Credit Union•Clinton, UT

3d•$19 - $22

About The Position

The Universal Service Representative I provides member service and sales support for a credit union. The role builds member relationships by identifying financial needs, explaining relevant products and services, opening accounts, handling basic credit applications, and recommending loans, deposits, investment referrals, insurance products, and mechanical repair coverage. It serves members through in-person, phone, text, email, video, and self-service channels, and promotes the credit union’s electronic services. The position also performs teller duties and provides clerical and administrative support for loan processing. Responsibilities include interviewing members about loan requests, preparing documentation, coordinating approvals and funding, tracking insurance and collateral liens, and assisting with loan servicing. The representative supports branch sales and service goals, handles member concerns, and helps onboard new members through follow-up calls. This is a full-time role listed as 30 hours per week, with a Monday–Saturday flex schedule.

Requirements

High school graduate or equivalent.
Two years of varied office experience.
Thorough knowledge of member services, accounts, loans, and products provided.
Understanding of new-account bookkeeping procedures and loan-processing functions.
Knowledge of related requirements, procedures, and underwriting criteria.
Some accounting familiarity.
Ability to perform Notary Services.
Excellent communication and public relations skills.
Typing ability of 60 words per minute with acceptable accuracy and neatness.
Solid math and bookkeeping abilities.
Ability to operate a calculator, word processor, and related computer applications.
Strong organization skills.
Professional appearance, dress, and attitude.
Ability to meet sales and service baselines and branch goals; the posting describes the representative as highly motivated, self-driven, sales-oriented, and goal-oriented.

Responsibilities

Develop member relationships through effective service, sales, and consultative conversations.
Maintain relationships with branch members and make outbound onboarding calls at two weeks and two months.
Meet or exceed established sales goals and baselines by identifying and recommending appropriate credit union products and services.
Handle member interactions across available channels, including in person, phone, text, email, video, and self-service channels.
Resolve member concerns involving consumer loans, services, and account issues.
Perform teller transactions, including deposits, loan payments, withdrawals, cash advances, transfers, cashier’s checks, money orders, traveler’s checks, CDs, and IRAs.
Verify transactions and documents, monitor deposits, resolve discrepancies, balance daily transactions, and investigate cash imbalances.
Process bank-by-mail transactions and provide teller overrides for other tellers.
Interview members and process preliminary documentation for loan requests; discuss loan alternatives, credit criteria, rates, and documentation.
Evaluate basic loan applications and credit criteria, determine collateral value, verify auto insurance, notify applicants of decisions, and request additional information as needed.
Present loan requests to underwriters for approval in accordance with loan procedures.
Process loans, including ordering credit reports and title searches and preparing closing documentation.
Assist with loan servicing, including payoffs, refinances, payment agreements, and amendments to loan contracts.
Process and secure liens on collateralized loans and follow up on pending titles.
Ensure loan requests are properly prepared and documented, approved loans are promptly disbursed, and lending operations comply with credit union policies and legal requirements.
Resolve rejected loan and membership account items in a timely manner.
Promote electronic services, assist members with electronic service issues and account lockouts, and serve as the branch resource for those services.
Assist with opening and closing member accounts, including some business, IRA, court-ordered, and HSA accounts; refer specialized needs to appropriate contacts.
Perform Notary Public duties if eligible and in accordance with state law.
Provide clerical and secretarial support for loan processing, including credit investigations, document preparation, routine reports, records, and files.
Track and obtain proof of insurance required for member loans.
Support marketing and lending initiatives, including outbound calling, promotions, and campaigns.
Represent the credit union courteously and professionally.