Universal Banker (Consumer Lending Focus)

Locations Showing 1 location Eagan, MN 55122, USA Description A Member Consultant interacts with members through a variety of communication channels including face‑to‑face, drive‑thru, phones, mobile apps, chat, text, SMS, and/or video banking. In listening to members’ needs and goals, a Member Consultant recommends appropriate consumer lending and account products and assists members with self‑serve education, transactions, budgets, account maintenance, and other account‑related issues. Duties and Responsibilities Open membership savings, checking, certificates of deposit, Individual Retirement Accounts (IRA), and other credit union accounts or products Provide information and recommendations to members concerning services and products, directing them to an appropriate person when needed Assist members with consumer lending questions and applications Listen to member needs, identify, and recommend products and services that align with members’ needs Determine available consumer loan and credit options for members Analyze members’ financial situation and credit report to decide if a loan is in the member’s best interest Review loan agreements, gather required documentation, and ensure completeness and accuracy in accordance with policy Approve loans within specified limits; refer applications outside those limits to management for approval Partner with members to understand their financial goals and assist in creating a personal budget Proactively reach out to members about products or services that would help them achieve their financial goals Assist members with accurately and efficiently processing transactions Provide education to members on self‑serve options Execute wire or ACH transfers of funds Issue debit, credit, and gift cards Troubleshoot credit or debit card issues, online banking questions, or other general account‑related questions and issues Balance and maintain personal cash drawer and branch vault, and maintain currency logs if applicable Other duties as assigned Qualifications and Skills 1+ years of customer service or professional experience working with people 1+ years of consumer lending experience preferred Ability to navigate and resolve complex issues and situations Ability to achieve call goals set by leadership Basic knowledge of credit and regulatory policy as it relates to consumer lending Ability to consistently identify and cross‑sell product and service opportunities that benefit the member Strong analytical and decision‑making skills with a high degree of accuracy Ability to work independently as well as part of a team and collaborate with others Strong verbal and written communication skills Time‑management skills and the ability to prioritize workload based on department and member needs Flexibility to adapt and succeed in a dynamic environment Drive to provide exceptional service to members and employees Intermediate computer skills and ability to navigate multiple systems with ease Requires face‑to‑face interaction and coordination of work with other employees, and in‑person interaction Sitting 70–80% and standing 20–30% depending on branch rotation Working at a computer 98% of the day Utilizing the phone 40–60% Occasional bending, twisting, kneeling, stooping, or crouching as appropriate Repetitive movements, including typing, using a mouse, and phones Lift, carry, push or pull up to approximately 50 pounds (cash/coin bags, supplies, etc.) Requires face‑to‑face interaction and/or coordination of work with other employees and departments, and in‑person interaction Required Work Schedule Shifts between 7 a.m. – 7 p.m. Monday – Friday and Saturday 7 a.m. – 3 p.m. Consistent and reliable attendance is a required essential function of this role to meet the needs of the department, team, and organization. This position will be located at our Eagan, MN branch. Compensation Starting pay range: $18.89 — $22.64 per hour. Pay may vary based on skills, experience, and other qualifications. Total Rewards Affichain offers a comprehensive Total Rewards package that includes low‑cost medical, dental, and vision insurance options, a portion of vacation and sick time, paid leave options, a monthly wellness benefit, and immediate 401(k) matching up to 5%. Disclaimer Applicants may be subject to a background and credit check. Employees in this position must be able to satisfactorily perform the essential functions of the position. If requested, Affichain Federal Credit Union will make every effort to provide reasonable accommodations to enable employees with disabilities to perform the position’s essential job duties. As markets change and the organization grows, job descriptions may change over time as requirements and employee skill levels evolve. Affichain retains the right to change or assign other duties to this position. Equal Opportunity Employer Protected Veterans / Individuals with Disabilities. This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor. #J-18808-Ljbffr