Universal Associate

Essential Duties

• Platinum Member Service:
  • Welcome and direct members visiting the branch.
  • Create a positive member experience from start to finish.
  • Present and explain credit union services and products.
  • Perform daily tasks such as opening and closing accounts, and conducting account research.
  • Resolve member account discrepancies by performing file maintenance and making necessary account changes.
  • Escalate complex transactions when required.
  • Inform members about credit union technology services and offerings.
  • Assist with troubleshooting technology-related transactions and issues.
  • Maintain the credit union’s professional reputation by adhering to professional standards of conduct and following credit union guidelines and policies.
  • Identify, recommend, and promote products and services to build financial relationships in alignment with the credit union’s business strategy.
  • Counsel members regarding money management and financial matters.
  • Demonstrate awareness and commitment to achieving credit union, branch, and individual goals.
  • Use consultative conversations to assess member needs and recommend appropriate products and services to meet or exceed these goals.
  • Promote and establish strong, positive, and productive working relationships within the organization by committing to the company’s purpose, mission, and core values.
• Compliance and Operational Standards:
  • Interview and gather preliminary documents to originate, process, and close consumer loans.
  • Evaluate and verify loan applications and credit criteria.
  • Compute debit ratios, verify employment and income, determine collateral value, and recommend loans for approval.
  • Notify applicants of loan decisions and request additional information if required.
  • Coordinate and process loan closings, ensuring that each loan is promptly and properly prepared, documented, processed, and disbursed according to the credit union’s loan quality standards.
  • Service loans by processing items such as payoffs, refinances, loan workout arrangements, address changes, payment extensions, collateral releases, and payment due date changes.
  • Process transactions that cannot be completed through automated channels in the branch.
  • Maintain a balancing record that meets established standards for transactions performed.
  • Assist members with the ATM+ machines as required.
  • Absorb branch operational duties, including ensuring branch security procedures are followed, assisting with monthly branch audit responsibilities, assisting with the internal review checklist, and compiling reports as required.
  • Control branch cash by balancing cash drawers, the branch vault, cash recyclers, cash orders, and balancing the ATM+ machines as required.
  • Identify and report/escalate potentially fraudulent activity, keeping the manager informed of activities and significant concerns while maintaining member information and privacy.
  • Complete special projects and other duties as assigned.

Qualifications

• High school diploma or equivalent.
• At least 1 year of relevant experience in a customer service or financial services environment.
• Strong interpersonal skills and ability to communicate effectively with a wide range of people.
• Ability to handle multiple tasks and prioritize accordingly.
• Knowledge of credit union operations and compliance standards.
• Basic computer skills, including proficiency with Microsoft Office applications.
• Ability to work independently and as part of a team.
• Valid driver’s license and reliable transportation (for those who need to travel).

Skills

• Excellent communication and interpersonal skills.
• Customer service orientation.
• Problem-solving and decision-making abilities.
• Attention to detail.
• Ability to work under pressure and manage multiple tasks simultaneously.
• Knowledge of credit union products and services.
• Basic knowledge of financial concepts and regulations.

Benefits

Georgia United Credit Union offers a comprehensive benefits package that includes:

• Health insurance coverage.
• Paid time off.
• Retirement savings plan.
• Professional development opportunities.

Pay

Starting salary $20.00 per hour depending on experience and qualification.

Schedule

Full-time position with flexible hours to accommodate member needs.

Statement of Understanding

This job description is intended to provide a general overview of the essential duties, responsibilities, requirements, and working conditions associated with the position. It is not intended to be an exhaustive or comprehensive list of all tasks or responsibilities. The organization may assign additional duties or modify existing ones as needed, at its discretion. Job descriptions may be updated periodically to reflect business needs and organizational changes. Reasonable accommodations may be made in accordance with the Americans with Disabilities Act (ADA) and other applicable laws, so long as such accommodations do not pose undue hardship to the organization or create significant health or safety risks. Nothing in this job description should be construed as creating an employment contract, either expressed or implied. Employment remains at-will, meaning that either the team member or the organization may end the employment relationship at any time, for any reason not prohibited by law. Equal Employment Opportunity (EEO) Georgia United is committed to providing equal employment opportunities and fostering a workplace where all individuals have the chance to succeed. We consider all qualified applicants for employment and advancement without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability status, protected veteran status, or any other characteristic protected by law. We value the unique perspectives and contributions that each team member brings to our organization, believing that a diverse and inclusive workforce strengthens our credit union. E-Verify Georgia United participates in the U.S. Department of Homeland Security’s E-Verify program. E-Verify is an online system used to confirm the eligibility of employees to work in the United States. This process involves electronically verifying the information provided by new hires against records maintained by the Department of Homeland Security and the Social Security Administration.