Universal Employee

About the role

Upholds the Credit Union’s mission of “We do the right thing one member, one employee, and one experience at a time to strengthen the communities we serve” by fulfilling the members’ transactional, new accounts and consumer lending needs. Promotes products and services in a professional and effective manner.

Responsibilities

• Assists members with their transactional needs in person and over the phone, including deposits, withdrawals, loan payments, check cashing, transfers and more.
• Processes members’ transactions accurately and efficiently.
• Assists members with stop payments, account research, ACH items, pre-authorized transfers, wire transfers, account discrepancies and other account maintenance items.
• Assists members with their deposit side needs, including IRA/HSA products, deceased accounts, and trust accounts.
• Assists members with their consumer loan needs, including signature loans, consolidation loans, and secured loans.
• Interprets key documents and makes decisions based on policies and member data.
• Promotes applicable Credit Union products and services; presents necessary information suited to members’ needs, including consumer loans, debt protection, GAP, shares, share drafts, share certificates, IRAs, HSAs, credit cards, home banking and more.
• Concentrates on building financial relationships with members while using a member advocacy approach.
• Spots needs and refers members to Mortgage Lenders, Financial Solutions Representatives and Commercial Lending.
• Corresponds with membership on eligibility requirements for accounts, loans and denials of credit.
• Actively attends meetings and training sessions to keep up to date on policies, procedures and regulations, including Bank Secrecy Act (BSA) and Office of Foreign Assets Control (OFAC).
• Balances a cash drawer, including operating a cash recycler.
• Assists the branch with opening and closing procedures.
• Strives to help members from start to finish with all of their banking needs.

Requirements

• Ability to read, write, and comprehend detailed and technical instructions, short correspondence, and memos; ability to add, subtract, multiply, and divide using whole numbers, common fractions, and decimals as normally acquired through completion of a high school education.
• Ability to pass a federal criminal background check and be listed on the Federal Mortgage Loan Officer registry as required by the S.A.F.E. Act.
• Ability to operate an on-line computer terminal, word processing, email, and adding machine as normally acquired through a basic course or one to three months of on-the-job experience.
• Comprehensive knowledge of the products, services, and procedures needed to process transactions as normally acquired through three to six months of on-the-job experience.
• Ability to concentrate on and pay close attention to detail for over fifty percent of work time; must be able to closely examine documentation; requires a high degree of accuracy.
• Ability to multitask and switch from one task to the next easily.
• Analytical ability necessary to research and resolve member problems and determine the appropriate course of action.
• Interpersonal skills necessary to deal effectively and efficiently with a diverse group of members in various degrees of stressful situations; requires strong communication/listening skills to deal diplomatically and effectively with sensitive situations.
• Demonstrates strong motivation and sales skills.
• Ability to exercise a high degree of independent judgment when addressing member concerns; must be supportive of the overall business objectives.

Work environment

• Office environment with moderate level of noise.
• Minimal lifting of up to 25 pounds.
• Frequent use of telephone, copier, computer, fax machine and other office machines.
• Prolonged sitting or standing.
• Frequent mental and visual concentration.
• Occasional travel for training, meetings, and assisting other locations.