Universal Banker Jobs

About The Position

Requirements

• High school diploma and equivalent years of experience.
• One to three years of experience in a financial branch environment, comparable financial-industry experience, or retail sales experience.
• Ability to communicate with members and others at all Credit Union levels in written and verbal formats.
• Experience with the loan application process and standard or typical internal operating policies and procedures.
• Knowledge of current industry offers, market trends, competitors, and Credit Union lending and member service policies and procedures.
• Ability to interpret financial information, including credit scores, debt, assets, balances, payments, and interest rates, and perform mathematical functions such as percentages and ratios.
• Analytical thinking, problem-solving, decision-making, and judgment skills, including gathering and applying relevant data to research and resolve issues.
• Working knowledge of Microsoft Word, Excel, and PowerPoint.
• Ability to pass background screening, including credit, drug screen, bondability, and criminal background checks.
• Ability to perform essential job duties satisfactorily and communicate face to face or through technology, with or without reasonable accommodation.
• Ability to sit and stand for various increments of time and lift or push up to 10 pounds.
• For positions with lending responsibilities, comply with SAFE Act requirements and Credit Union policies and procedures, including maintaining current NMLS registration and notifying the Credit Union within 30 days of relevant changes.
• Member-focus skills, including building confidence, supporting member satisfaction, setting achievable expectations, taking responsibility for solving problems, meeting commitments, soliciting member feedback, and responding to internal customers.
• Integrity, including stating goals and intentions clearly, following through on commitments, and acting consistently with stated intentions.
• Teamwork skills, including listening, building relationships across teams, flexibility, meeting deadlines, valuing others’ opinions, supporting team goals, soliciting feedback, and handling constructive criticism.
• Dependability, including timely and consistent work, meeting commitments, working independently and collaboratively, accountability, adaptability, focus under pressure, and meeting attendance and punctuality requirements.
• High work standards, attention to detail, accuracy and completeness, follow-through, continuous improvement, and proactive problem-solving.
• Sound decision-making and judgment, including gathering information, addressing root causes, seeking input, making timely and difficult decisions when needed, and communicating decisions.

Nice To Haves

• Bachelor’s degree preferred.

Responsibilities

• Greet members in person, by phone, or digitally, and help them feel valued and connected to the Credit Union.
• Process deposits, withdrawals, check cashing, loan and credit card payments, loan advances, savings and cashier’s checks, and savings bond redemptions.
• Maintain a balancing record in accordance with teller balancing standards and perform teller transactions using a cashbox as needed.
• Apply Credit Union policies and procedures when directing or resolving problems, complaints, and special situations while maintaining compliance.
• Perform branch operations tasks, including balancing ATMs, branch capture, branch recaps, member account maintenance, night depository processing, and vault teller duties.
• Use branch technology and systems, including ATMs, cash recyclers, debit card instant-issue systems, check scanning, ITMs, and Glory Teller Machines.
• Support satisfactory branch operational ratings and corporate audits, and comply with applicable federal, state, and local laws.
• Open and close consumer and business membership accounts and assist members with account maintenance and membership-related concerns or problems.
• Notarize documents if authorized.
• Process loan applications, notify members of decisions, review and process documentation, deliver loan documents, and witness signatures.
• Assess members’ financial needs through consultative questions and recommend suitable deposit products, such as checking, savings, IRAs, and CDs.
• Collaborate with internal experts to find solutions to member needs, resolve issues, and support members’ financial well-being.
• Document member interactions and financial needs in the IRM system and maintain a timely, relevant follow-up plan.
• Educate members about available services, the Credit Union difference, and how and when to use services.
• Identify suitable personal, auto, and mortgage loan products through consultative lending conversations; gather member information and submit accurate, compliant loan documentation in collaboration with centralized lending teams.
• Maintain timely communication with members about loan status and additional service needs.
• Participate in ongoing training and development related to universal banking, customer service, and compliance.
• Ensure transactions and loan applications follow operational procedures, regulatory standards, and risk management protocols.
• Collaborate with branch team members to improve efficiency and member satisfaction while supporting operational and safety procedures.
• Provide inbound and outbound telephone service as needed, including transactions, information, problem resolution, and applicable product or service suggestions.
• Provide coverage at other branches when necessary and work a Saturday rotation schedule.
• Perform other duties as assigned.
• Keep NMLS registration current when lending responsibilities apply and notify the Credit Union within 30 days of changes that need to be reflected in the NMLS registry.

Benefits

• Medical insurance
• Dental insurance
• Vision insurance
• 401(k) matching