Universal Representative

About the role

Universal Representatives serve both call-in and face-to-face credit union Members and potential Members by ensuring prompt, professional, and courteous service. They perform a wide variety of services, including processing teller functions, opening and closing deposit accounts, resolving problems, conducting research, and addressing any other daily member needs.

Responsibilities

• Greet and welcome members in a professional and timely manner.
• Represent the credit union courteously and professionally, providing prompt, efficient, and accurate service.
• Maintain up-to-date knowledge of all credit union products, services, policies, procedures, rules, and regulations.
• Perform teller duties:
  • Receive checks and cash for deposits and loan payments, verify amounts, and examine checks for proper endorsement.
  • Place holds on accounts for uncollected funds.
  • Cash checks and process withdrawals after verifying signatures and member balances.
  • Meet teller balancing standards monthly as outlined in procedures.
• Act as a Member Service Representative:
  • Open accounts for new and existing members, resolve issues, and address daily member needs.
  • Cross-sell credit union services, such as safe deposit boxes, debit/credit cards, and online banking.
  • Research account discrepancies for deposits, withdrawals, and loan payments.
  • Assist members in opening individual retirement accounts (IRA).
  • Input loan applications, verify accuracy, complete loan documents, and disburse approved loans.
  • Explain loan denials professionally and provide alternative recommendations for future loan opportunities.
• Other duties as assigned.

Requirements

• High School Diploma or GED.
• At least 2 years of recent banking experience at another financial institution.
• Strong customer service skills, including thoroughness, confidentiality, and professionalism.
• Ability to analyze information, make decisions, and maintain a quality focus.
• Excellent verbal and written communication with coworkers, customers, community members, and management.
• Ability to comply with company and industry operating, safety standards, rules, and regulations.

Physical Requirements

• Ability to exert up to 10 pounds of force occasionally or minimal force frequently to lift, carry, push, pull, or move objects.
• Ability to sit and/or stand for long periods of time.
• Manual dexterity to operate office equipment and handle cash.
• Ability to view a computer monitor or laptop screen for extended periods.
• Ability to work with confidential information, materials, and files discreetly.

Working Conditions

• Office environment.
• Ability to adapt to changing work schedules.
• Travel to branches may be required.

Benefits

• 401(k)
• 401(k) matching
• Dental insurance
• Health insurance
• Paid time off
• Vision insurance