Universal Associate

Job Responsibilities

• Identifies, recommends, and promotes products and services to build a financial relationship in alignment with the Credit Union’s business strategy.
• Counsels members regarding money management and financial matters.
• Presents and explains Credit Union services and products to members.
• Performs daily member services, such as opening and closing accounts, and account research.
• Resolve member account discrepancies by performing file maintenance and account changes as needed.
• Aid in the escalation of complex transactions when required.
• Demonstrate awareness and willingness to achieve Credit Union, branch, and individual goals.
• Recommend appropriate products and services to meet or exceed these goals, using consultative conversations to assess the member's needs.
• Interviews and gathers preliminary documents to originate, process, and close consumer loans.
• Evaluate and verify loan applications and credit criteria.
• Compute debit ratios and verify employment and income.
• Determine the value of collateral and recommend loans for approval.
• Notify applicants of loan decisions and request additional information, if required.
• Coordinate and process closings.
• Ensure that each loan is promptly and properly prepared, documented, processed, and disbursed in accordance with the Credit Union’s loan quality standards.
• Aid in servicing loans by processing items such as payoffs, refinances, loan workout arrangements, address changes, payment extensions, collateral releases, and payment due date changes.
• Welcome and direct members visiting the branch, creating a positive member experience from start to finish.
• Process transactions that cannot be completed through automated channels in the branch.
• Maintain a balancing record that meets established standards for transactions performed.
• Aid members who are performing transactions in the ATM+ machines at the branch.
• Assist with 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.
• Aid in controlling branch cash, including balancing cash drawers, the branch vault, cash recyclers, cash orders, and balancing the ATM+, as required.
• Awareness of and reporting potentially fraudulent activity, keeping their manager informed of activities and significant concerns, while maintaining member information and privacy.
• Responsible for projecting and maintaining the credit union’s professional reputation with members by adhering to professional standards of conduct.
• Always adhere to credit union guidelines and policies.
• Promote and establish strong, positive, and productive working relationships within the organization through commitment to the company’s purpose, mission, and core values.

Qualifications

• High school diploma or equivalent.
• Minimum 1 year of relevant experience in a customer service or sales role.
• Strong interpersonal skills and ability to communicate effectively with diverse populations.
• Ability to work independently and manage multiple tasks simultaneously.
• Basic computer skills, including proficiency with Microsoft Office.
• Knowledge of financial products and services.
• Ability to perform basic math calculations.
• Ability to follow written and verbal instructions.