Universal Banker I

If you would enjoy working in a dynamic environment and are looking for an opportunity to become part of a stellar team of professionals dedicated to service, we invite you to apply online today. Summary 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. Essential Duties and 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. Receive and process financial transactions including deposits, withdrawals, check cashing, loan/credit card payments, loan advances, issuing savings/cashier’s checks, and redeeming savings bonds. Maintain a balancing record in accordance with teller balancing standards. Handle and resolve problems, complaints, and special situations while remaining compliant with Credit Union policies and procedures. Perform miscellaneous tasks such as balancing ATM, executing branch capture, completing branch recap(s), maintaining member accounts, processing night depository transactions, and acting as the vault teller. Demonstrate full working knowledge of branch technology and systems, including ATMs, Cash Recyclers, Debit Card Instant Issue, Check Scanning, ITMs, and Glory Teller Machines. Support and contribute to satisfactory branch operational ratings and corporate audits while complying with federal, state and local laws. Open and close Consumer and Business Membership accounts and perform all duties necessary to help members with account maintenance and concern/problem resolutions related to membership. Notarize, if authorized. Process loan applications through the appropriate system(s) and notify members of loan decisions. Assess each member’s financial needs through consultative questions and recommend deposit products such as checking, savings, IRAs, CDs, etc. Collaborate with internal experts to provide creative solutions, resolve issues, and improve overall financial well‑being. Document member interactions and financial needs in the IRM system, ensuring timely follow‑up. Educate members on the full range of services available, explaining the credit union difference. Use a consultative approach to lending by identifying suitable loan products and submitting accurate documentation in compliance with requirements. Maintain an organized follow‑up plan in the IRM system for loan statuses or additional service needs. Participate in ongoing training and development to enhance universal banking and customer service skills. Ensure all financial transactions and loan applications adhere to operational procedures, regulatory standards, and risk‑management protocols. Collaborate with branch team members to improve efficiency, increase member satisfaction, and maintain a high standard of service while supporting operational and safety procedures. Provide inbound and outbound telephone services to members, facilitating transactions, disseminating information, problem resolution, and product/service suggestions. Perform other duties as assigned. Educational and Work Experience Requirements High school diploma and equivalent years of experience; bachelor’s degree preferred. One to three years of experience in a financial branch environment, comparable financial industry, or retail sales environment. Will provide coverage at other branches when necessary and work a Saturday rotation schedule. Ability to communicate with members and others at all levels in written and verbal formats. Experience with loan application process and internal operating policies and procedures. Knowledge of current industry offers, market trends, competitors, and Credit Union lending and member service policies. Demonstrated ability to interpret and apply financial information and perform basic math functions. Demonstrated analytical thinking, problem solving, decision making, and judgment. Working knowledge of Microsoft Word, Excel, and Power Point software applications. Must be able to pass a background check including credit, drug screen, bondability, and criminal background. Additional Skillsets Member focus – builds confidence, increases satisfaction, and resolves member problems. Acting with integrity – clear communication, follows through on commitments. Teamwork – good listening skills, builds strong relationships, meets deadlines, and promotes a positive team atmosphere. Dependability – reliable, meets commitments, works independently and as part of the greater team. Work standards – high performance standards, attention to detail, continuous improvement, and proactive solution recommendations. Decision making and judgment – sound decisions, recognizes problems, gathers information, addresses root causes, and communicates decisions. Physical Requirements The employee must be able to perform each essential job duty satisfactorily, communicate face to face or through technology with or without reasonable accommodation, and work in an office environment typically stationed at a desk or table. The employee will be asked to sit and stand for various increments of time, lift or push up to 10 lbs, and perform clerical office duties on various forms of technology. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential job functions. All lending positions must comply with SAFE Act requirements and keep NMLA registration current, notifying the Credit Union within 30 days of any changes. Georgia’s Own Credit Union is an equal opportunity employer and will not discriminate against any employee or applicant on the basis of age, color, disability, gender, national origin, race, religion, sexual orientation, veteran status, or any other protected class under federal, state, or local law. The Credit Union is committed to affirmative action and to employing and advancing women, minorities, disabled veterans, special disabled veterans, veterans of the Vietnam era, and other eligible veterans. #J-18808-Ljbffr