Universal Banker I

About the role

The Universal Banker I combines the roles of a teller and seller to provide exceptional service to both members and potential members. You will serve as a knowledgeable resource, assisting with a wide range of financial needs, including account openings, transactions, loans, and other credit union services. By building strong relationships, you’ll recommend appropriate products, resolve issues, and ensure a seamless, positive experience.

Responsibilities

• Greet members in a welcoming manner and ensure they feel valued and connected to Georgia’s Own Credit Union, whether in person, over the phone, or digitally.
• Receives and processes financial transactions including deposits, withdrawals, check cashing, loan/credit card payments and loan advances, issuing savings/cashier’s checks, and redeeming savings bonds.
• Maintains a balancing record in accordance with the teller balancing standards.
• Must be familiar with Credit Union policies and procedures in order to effectively handle/direct problems, complaints, and special situations while remaining compliant.
• Performs a variety of miscellaneous tasks including but not limited to: balancing ATM, executing branch capture, completing branch recap(s), maintenance of member accounts, processing night depository transactions and acting as the vault teller.
• Demonstrate full working knowledge of all branch technology and systems, including but not limited to ATMs, Cash Recyclers, Debit Card Instant Issue, Check Scanning, ITMs and Glory Teller Machines.
• Opens and closes Consumer and Business Membership accounts.
• Supports and contributes to satisfactory branch operational ratings and corporate audits while complying with federal, state and local laws.
• Assesses each member’s financial needs through thoughtful, consultative questions, and recommend deposit products (checking, savings, IRAs, CDs, etc.) that best align with their goals.
• Educates members on the full range of services available, explaining the credit union difference and how it benefits their membership, while ensuring they understand when and how to utilize these services.
• Takes a consultative approach to lending by asking questions to identify suitable loan products for members’ needs, including personal loans, auto loans, and mortgages.
• Gathers necessary member information and submits accurate loan documentation that meets all compliance requirements, working closely with centralized lending teams.
• Maintains an organized follow-up plan in the IRM system, ensuring timely communication with members regarding loan statuses or any additional service needs.
• Participates in ongoing training and development to enhance your skills in universal banking, customer service, and compliance requirements.
• Sets and maintains high performance standards; pays close attention to detail, accuracy and completeness of work; is committed to excellence; shows concern for all aspects of the job and follows up on work outputs; looks for improvements continuously and owns/acts on challenges and pro-actively recommends solutions.
• Makes sound decisions that impact and support the business, financial or otherwise.
• Recognizes problems and responds, systematically gathers information, sorts through complex issues, seeks input from others, addresses root cause of issues, makes timely decisions, can make difficult decisions, uses consensus when appropriate, and communicates decisions to others.

Requirements

• High school diploma and equivalent years of experience.
• Bachelor’s degree preferred.
• One to three years’ experience in a financial branch environment or experience comparable within the financial industry or a retail sales environment.
• Ability to communicate with members and others at all levels of the Credit Union, in both 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.
• Demonstrates the ability to interpret and apply financial information (e.g., credit scores, debt, assets, balances, payments, interest rates, etc.) and perform math functions (e.g., addition, subtraction, multiplication, division, percentages, ratios, etc.).
• Demonstrates analytical thinking, problem solving, decision making, and judgment by gathering and applying relevant data to research and resolve issues.
• Working knowledge of Microsoft Word, Excel and Power Point software applications.
• Candidates must be able to pass a background check including: Credit, Drug Screen, Bondability, & Criminal Background.

Qualifications

• Member Focus – builds member confidence, is committed to increasing member satisfaction, sets achievable member expectations, assumes responsibility for solving members problems, ensures commitments to members are met, solicits opinions and ideas from members, responds to internal customers.
• Acting with Integrity - Clearly states goals and beliefs; lets people know his/her true intentions; does what he she said they would do; follows through on commitments.
• Teamwork - Has good listening skills; interacts with people effectively and builds strong relationships within own team and across groups; is flexible/open-minded; meets deadlines and responsibilities; listens to others and values opinions; helps team leader to meet goals; puts group goals ahead of own goals; promotes a positive team atmosphere.
• Solicits performance feedback and handles constructive criticism.
• Dependability - Reliable to team and credit union; completes work in a timely and consistent matter; meets commitments; works independently and as part of the greater team; takes personal responsibility for job performance and accepts accountability; handles change; sets personal standards; stays focused under pressure; meets attendance/punctuality requirements.
• Physical Requirements To perform this job successfully, the employee must be able to perform each essential job duty satisfactorily. All employees must be able to communicate face to face or through technology with or without reasonable accommodation.

Skills

• Member Focus – builds member confidence, is committed to increasing member satisfaction, sets achievable member expectations, assumes responsibility for solving members problems, ensures commitments to members are met, solicits opinions and ideas from members, responds to internal customers.
• Acting with Integrity - Clearly states goals and beliefs; lets people know his/her true intentions; does what he she said they would do; follows through on commitments.
• Teamwork - Has good listening skills; interacts with people effectively and builds strong relationships within own team and across groups; is flexible/open-minded; meets deadlines and responsibilities; listens to others and values opinions; helps team leader to meet goals; puts group goals ahead of own goals; promotes a positive team atmosphere.
• Solicits performance feedback and handles constructive criticism.
• Dependability - Reliable to team and credit union; completes work in a timely and consistent matter; meets commitments; works independently and as part of the greater team; takes personal responsibility for job performance and accepts accountability; handles change; sets personal standards; stays focused under pressure; meets attendance/punctuality requirements.
• Physical Requirements To perform this job successfully, the employee must be able to perform each essential job duty satisfactorily. All employees must be able to communicate face to face or through technology with or without reasonable accommodation.

Benefits

• Comprehensive health insurance options.
• Paid time off and holidays.

• Pay

  Competitive salary based on experience and qualifications.

  Schedule

  Rotating weekend schedule.