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 to members.
  • 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.
  • Assist in servicing 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.
  • Absorb branch operational duties, including 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 and communication skills.
• Ability to work independently and manage multiple tasks simultaneously.
• Basic knowledge of financial products and services.
• Proficiency with Microsoft Office Suite.

Skills

• Excellent customer service skills.
• Strong problem-solving abilities.
• Effective communication and interpersonal skills.
• Ability to work well under pressure.
• Knowledge of credit union operations and compliance standards.
• Basic computer skills, including proficiency with Microsoft Office Suite.

Benefits

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

• Health insurance options.
• Vision and dental insurance.
• Paid time off.
• 401(k) retirement plan with employer match.
• Employee assistance program.

Pay

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

Schedule

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