Universal Banker (Consumer Lending Focus)

Duties And Responsibilities

• Open membership savings, checking, certificates of deposit, Individual Retirement Accounts (IRA), and other credit union accounts or products
• Provide information and recommendations to members concerning services and products, directing them to appropriate person when needed
• Assist members with consumer lending questions and applications
• Listen to member needs, identify, and recommend products and services aligning with member’s needs
• Determine different types of consumer loan and credit options that are available to the member
• Analyze member’s financial situation and credit report to determine if it is in the member’s best interest to approve the loan
• Review loan agreements and gather required documentation and ensure completeness and accuracy in accordance to policy
• Average loans within specified limits, and refer loan applications outside those limits to management for approval
• Partner with members to understand their financial goals and assist in creating a personal budget to help them achieve those goals
• Proactively reach out to members on products or services that would be a beneficial to help achieve their financial goals
• Aid members with accurately and efficiently processing transactions
• Provide education to members on our self-serve options
• Execute wire or ACH transferring of funds
• Instant issue debit, credit, and gift cards
• Troubleshoot credit or debit card issues, online banking questions, or other general account related questions and issues
• Balance and maintain personal cash drawer and branch vault, and appropriate currency logs if applicable

Qualifications And Skills

• 1+ years of customer service or professional experience working with people
• 1+ years of consumer lending experience preferred
• Ability to navigate and resolve complex issues and situations
• Ability to achieve call goals set by leadership
• Basic knowledge of credit and regulatory policy as it relates to consumer lending
• Strong analytical and decision-making skills required with a high degree of accuracy
• Aptitude to work independently as well as part of a team and ability to collaborate with others
• Strong verbal and written communication skills
• Time Management skills and the ability to prioritize workload based on department and member needs
• Flexibility to adapt and succeed in a dynamic environment
• Able and drive to provide exceptional service to members and employees
• Intermediate computer skills and the ability to navigate between multiple systems with ease