Universal Associate

Job Title

Georgia United Credit Union regularly evaluates market data to establish salary ranges that enable us to offer the best, competitive compensation package for our positions. Individual compensation packages are based on various factors unique to each candidate, including skill set, experience, qualifications, internal alignment and other job-related factors. Starting salary $20.35/hr.

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. Assist with the escalation of complex transactions when required. Demonstrates awareness and willingness to achieve Credit Union, branch, and individual goals. Recommends 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. Evaluates and verifies loan application and credit criteria. Computes debit ratios and verifies employment and income. Determines value of collateral and recommends loans for approval. Notifies applicants of loan decisions and requests additional information, if required. Coordinates and processes closings. Ensures that each loan is promptly and properly prepared, documented, processed, and disbursed in accordance with the Credit Union's loan quality standards. Assists 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. Processes transactions that cannot be completed through automated channels in the branch. Maintains a balancing record that meets established standards for transactions performed. Assists members who are performing transactions in the ATM+ machines at the branch. Completes 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. Assists with controlling branch cash, including balancing cash drawers, the branch vault, cash recyclers, cash orders, and balancing the ATM+'s, as required. Ensure members are informed of credit union technology services and offerings. Assists members with trouble shooting technology related transactions and issues. Identify and report/escalate 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. Complete special projects, and other duties as assigned. Promotes and establishes strong, positive, and productive working relationships within the organization through commitment to the company's purpose, mission, and core values.

Skills

Member-first Mentality Advanced Interpersonal Skills Advanced Team Player Advanced Customer Service Advanced

Behaviors

Team Player : Works well as a member of a group Detail Oriented : Capable of carrying out a given task with all details necessary to get the task done well

Education

High School or better.

Experience

1 year: At least one year of experience in a service-oriented role. Must meet the qualifications necessary for NMLS registration to meet the requirements of the SAFE Act. Currently has notary license or must be able to obtain license as part of standard job duties. Computer proficiency with MS Office, including Word, Excel and PowerPoint, Internet, and Email.

Preferred: Previous cash-handling experience in a financial institution is preferred. Strong math skills preferred.